davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I HAVE BEEN INTERVIEWED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX THE SQUATTER STILL LIVING AT XXXX XXXX XXXX ILEGALLY WITHOUT XXXX INTERVENTION. I MADE THE POLICE REPORT AS XXXX XXXX  XXXX XXXX XXXX AND CONDUCTED THE AFFIDAVIT OF XXXX XX/XX/XXXX. HE CASHED XXXX XXXX  IN MY NAME IN WHICH I AM TOLD ON XX/XX/XXXX BY XXXX XXXX XXXX THAT UNDER THAT FAKE SSN NUMBERS XXXX AND XXXX WENT INTO AN ACCOUNT AS XXXX XXXX XXXX AND HAS MY LOSS XXXX AND XXXX BENEFITS ALL THERE HE STOLEN. 

XXXX XXXX XXXX  STATEMENT, XXXX XXXX ON XX/XX/XXXX AT XXXX SPOKE XXXX MINUTES, A GUY NAME XXXX XXXX ARE LYING SAYING THAT XXXX XXXX HAS CLEAR TITLE BUT ARE XXXX XXXX TITLE IN THIS FILE AND ADDED TO YOUR LOAN XXXX ANOTHER ONE AS XXXX FOR XXXX TO XXXX XXXX XXXX XXXX 

YOU MUST RELEASE THE CLAIM XXXX AND CLAIM FORM WITH COPIES OF THE XXXX YOU PURPOSELY GAVE TO THE SQUATTER.
Consumer complaint received 2019-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I took a loan out with Cash Net USA for the amount of XXXX I have been paying on this loan for over a year now so far I have paid more than my loan because of the interest rate. I am seeking counseling because I am at the point where I just want to XXXX XXXX because this is just to much of a hardship for me, I am a single mother of XXXX my youngest was just diagnosed with a XXXX XXXX  and with those medical bills and with paying for daycare and other utilities that I need in order for my children to survive. It's really taking a toll on me, I tried contacting CashNet back in XXXX to try to set up payment arrangement and the representative was very rude and all she said was " well I am sorry you are going through a hardship, but you took out a loan and that loan has to be paid no matter your situation '' They are shark loans, take advantage of people in need. I am hoping I can have something resolved.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I have a bunch of inquiries I've never authorized. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX 3. XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX 4.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 6. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, RI XXXX 7. XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX All of these are on Experian, XXXX, and XXXX and I didn't authorize them.
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo repairing my credit history and coming with a far better compensation than the {$50.00} shady check, that if we were to cash it, would immediately mean we have agreed that this issue was resolved to our satisfaction, when in reality, is the exact opposite.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

Account was settled on XX/XX/2024 requested a letter on XX/XX/2024 to have it removed from all three credit report bureaus via email, No response from XXXX. Account still reflects on credit report.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I've consistently made sure that payments on this account are made on time, never allowing them to become overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. According to XX/XX/XXXX Billing Error, this should be rectified.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XXXX of 2023 I had made a purchase at a XXXX in XXXX WA, with my XXXX XXXX credit card ( Bank of America ) and lost my card somewhere between the self checkout stand and going to my car. There was a charge after for {$230.00} from the same XXXX and a 3rd charge to the same store that was blocked. Continual charges in the amount of {$2.00}, {$26.00}, and {$4.00} were made in XXXX and XXXX totaling {$270.00}. The credit card company alerted me which was how I noticed the charges and that I no longer had my credit card. None of the transactions were reimbursed and I ended up having to pay for fraudulent charges. These charges were made XXXX miles from where I live and work throughout my workweek. I also do not make multiple purchases in the same store as I presume most people do not do, but regardless that was overlooked. I believe I was not reimbursed because I did not see the alert regarding my account until after a couple of days later. I have not made any purchases on this credit card since this happened as I dont feel safe making transactions. 
Today, XX/XX/XXXX, I called the credit card company to close my account and there was an offer to reopen the fraudulent case but I still feel this should be reported. 

Thank you for your time, XXXX
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

In XXXX of 2022, somebody fraudulently applied for a XX/XX/XXXXXXXX credit card using my name and social security number, resulting in a hard inquiry on XX/XX/XXXX to each of the credit reporting agencies ( XXXX, XXXX, Equifax ). 

I contacted XXXX XXXX on XX/XX/XXXX, they agreed the credit card application was fraudulent and cancelled it. 

I filed disputes with the credit reporting agencies to remove the hard inquiry. XXXX agreed this is identity theft and removed the hard inquiry from my credit report. Equifax, however, said 'this is a factual statement of access ', and refused to remove the fraudulent inquiry from my credit report. ( XXXX asked me to mail in a written dispute ; I haven't yet heard back. )
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent XXXX separate rounds of letters asking the bureau to verify my complaints and verify and show proof of my signature of the credit card and they have yet to provide me with any proof making these unverified accounts that are hurting my credit score to buy a home for my self and my child as a XXXX  father this negative reporting is holding our house hold back. Please see attached document with certified mail receipt
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma (TX)

It started with a {$25.00} deposit sent by a friend. I had no access to it for over eight hours. Everytime I try to use my card it declines despite having money in it. I received my normal weekly check hours after the {$25.00} and as the previous deposit I could not access it. Ive been able to make two transactions in 24 hours. Since my last I have had no such luck. Ive contacted the live chat, they said to call fraud prevention. I call fraud prevention and my account is not flagged. I called customer service and they recommended it to a different department. Yet another day has gone by and I still have XXXX access, and no response. I initiated another live chat today and informed them I needed a supervisor to reach out. They said they werent sure of the time frame but hopefully Ill get an email soon then disconnected the chat after I told them I was going to get a lawyer and move to have my account closed if I had to wait another twenty four hours. The rep closed the chat on me. Needless to say these people do not care.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Hello I am writing to file a complaint against Equifax. I sent them my first round of dispute letters on XX/XX/XXXX and had not received a response. On XX/XX/XXXX well after their 30 day deadline I sent out a non response letter. Followed by round 2 letters on XX/XX/XXXX after another 30 days had past and still no verification of the accounts disputed I sent out another round of letters on XX/XX/XXXX. Yes 3 rounds of letters and Equifax continue to violate my rights according to the FCRA.
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (UT)

I had some problems with PayPal credit account and was struggling to pay my bill i was very upset how it was handled and wish they were to help me out I am XXXX and struggling I wasnt supposed to have a credit card but it happened im hoping I will learn my lesson but when having a XXXX its been rough maybe up to XXXX if thats possible in that range
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (AR)

XXXX Date XX/XX/XXXX Fed loan servicing, amount XXXX XXXX.Fed loan servicing account XXXX Date XX/XX/XXXX amount XXXX, Fed loan servicing XXXX XX/XX/XXXX paid, XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXXXXXX XXXX date XX/XX/XXXX, XXXX date XX/XX/XXXXXXXX XXXX date XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have so many. Wrong names XXXX XXXX XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX Date XX/XX/XXXX amount paid.Fedloan servicing # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Date XX/XX/XXXX, XXXX XXXX, XXXX  residentia via Partners credit verification febdenstiny, XXXX  of central via XXXX of centralXXXX XXXX XXXX XXXX interactive in. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the dates requested XXXX
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

First in my credit report appear several companies that have requested my credit report with my social security number and different names and have lowered the average. My correct name as it appears on the license is XXXX XXXX XXXX XXXX. If any company wants to run my credit, they ask me for my social security number and my license, that is, they must place XXXX XXXX XXXX XXXX. I am asking you under FCRA 611 ( 15 U.S.C. 1681I ) They also have a lock on me and I want them to take it off. Any company that wants to request my credit report with my authorization may do so.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, and my grievance is with the following : Experian credit reporting agency, XXXX XXXX is the representative from Experian, moreover they've move my credit file to some department they reference as their Special Services Department, Experian 's Representative XXXX XXXX has been extremely rude, furthermore he has been exhausting and very difficult to deal with ; I've complained about the unauthorized hard credit inquiries listed on my credit report, XXXX XXXX has refuse to take my dispute for the hard inquires, XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX . The next issue is XXXX  XXXX XXXX, They've have reported a settled account using totally different verbiage than originally agreed to ; they agreed prior to the me paying, that they'd add the following statement to my credit report '' XXXX shall consider the Borrower 's account to be settled, and shall notify the credit reporting agencies that it reports to that Borrower 's has been settled in full. They've reported something completely different '' Legally paid in full for less than the balance and caused my credit score to drop more than 50 points, this has adversely effected my credit standing, for the next 7 years. They should immediately correct the language, more XXXX XXXX also stated that this would not negatively impact my credit report, they've made false promises to get me to pay in advance. the original loan was for {$15000.00} and they collected initially {$500.00} for themselves, I've paid out over {$20000.00} on this loan, do to Covid 19 they offered a settlement directly, moreover more importantly, they said it would not impact my credit reporting, as long as I paid the agreed amount with in a certain time period.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and  appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2019-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (GA)

I recently purchased s car from XXXX XXXX and the car loan was approved through Global Lending Service. However, contacting GLS is extremely difficult and results in inaccurate, incomplete and none resolved issues. I initially revived a call from GLS regarding a welcome call from XXXX. However, I was unable to talk for 7-10 minutes and asked for a return call but was denied a number to call them back on. XXXX stated that I needed to just dial the number that showed up on my call id. Unfortunately, unknown caller was the message received instead of an actual number. The welcome call was finally completed via XXXX a funding manager but the next issue was verifying my insurance. I provided all the information to XXXX but somehow it was not uploaded or documented as such but getting back in touch with XXXX to resolve the issue was not possible. Despite several calls and attempts I never received a return call from anyone at GLS. The problem is now making payments. The car payment is due on the XXXX ( today ) or XXXX ( tomorrow ) of the month and I have no information on how to make a payment. I called again today and was simply told by XXXX that, its my responsibility to make a payment and do what I need to do to get the information. She informed me that the application was completed at the end of XXXX ( no date was given ) which is maybe the reason why I havent received the welcome package because that takes 7-10 days after its completed. She also stated that the person that did my welcome call should have explained all of this to me. However, when I spoke to XXXX, I was told that the information would be mailed out but that was almost a month ago and I havent been able to reach him since. So please assist in obtaining the needed information to actually make payments and gathering the terms of the loan and conditions. I purchased the car at the end of XXXX and have now been trying for almost 2 months to obtain information from GLS with no resolution. Instead I get attitude from associates and the nasty snare of its my responsibility to do what I need to do but there is only so much that can be done if you dont get a returned call, dont get the information in the mail, dont know the terms of the loan and havent been provided accurate information to agree and or ask questions.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX DEPT OF ED/XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX. 
Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. A couple years back my luggage was lost at the airport. When my bags were finally located the suitcase with my laptop computer was never found.The laptop had all of my personal information on it including social security number, driver license number, address, my kids information etc. There are some fraudulent accounts that have showed up on my credit report over the years.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Credit Corporation (NJ)

I personally, closed credit card account ending in XXXX, the company sends me a statement with a closing date of XX/XX/2019 advising of a credit of {$2.00}. Rather than take the rational normal approach of sending a refund check, they send a statement advising of a minuscule credit. 

Please inform the simple minded company to issue me a refund check.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AK)

Based on my Reports : Equifax is showing incorrect and old balances that have been now reduced and zeroed. Based on my information on my credit report. Dates shown as of XX/XX/23 all my credit card balances for the following credit cards : XXXX XXXX XXXX XXXXXXXX XXXX XXXX- XXXX XXXX BALANCES ARE REDUCED AND SHOULD REFLECT what the other bureaus are reflecting to consumer rights. It is affecting my credit usage heavily which is much lower than what Equifax is showing. 
Please correct the information and balances to be correct and current. 


Thank you