davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-07
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: CURO Intermediate Holdings (CA)

This complaint submission is in regards to an Unauthorized Inquiry reported by SPEEDY CASH / XXXX XXXX XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I do not have any revolving accounts with them or any loans. SPEEDY CASH / XXXX XXXX XXXX is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the CUSTOMER RELATIONS & ACCOUNT SPECIALIST DEPARTMENTS by the name of XXXX ID # : XXXX. It was extremely difficult to obtain any information from her, as she was extremely rude over the phone. I then obtained their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor XXXX stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response. It was confirmed through my fax machine that the Department had received the files ; however still no correspondents. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting SPEEDY CASH / XXXX XXXX XXXX immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, SPEEDY CASH / XXXX XXXX XXXX is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

In XXXX of 2022 I attempted to pay my XXXX XXXX ( XXXX XXXX ) over the phone with the automated system and the payment didnt post. I called and spoke with someone they were able to verify that I called but not sure why payment didnt post. They removed the Late fee but the 30 day late is still appearing on my report. I have been a long time customer and pride myself on making my payments on time. I have a daughter on her way to college and this late payment has dropped my credit score. I need this updated as current so I can apply for the parent plus loan so she can further her education and I dont want this mishap to cause hardship to my family. 

Experian account # XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX but on my report the number isnt provid e
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Funding sent a wage garnishment to my employer XXXX aka XXXX  of Illinois and my wages were garnished and the amount was collected in full, I am still being harassed and threatened for legal action, I have contacted Midland several times and they give me the run around stating I have to contact another # and dept and I can not get a resolution
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have a Bank of America checking account ending XXXX, which is closed on XX/XX/2022, however on the same day when I close my account I have a {$430.00} deposit into that account. Now this deposit is still in my closing checking account. Please check the attached closing statement from BOA. I called BOA on XXXX and have been told I should receive the refund by check within 10 business days, but until now I don't see the refund by mail.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendUp Loans LLC (LA)

Re : XXXX XXXX XX/XX/1981 XXXX XXXX XXXX XXXX XXXX, La. XXXX To whom it may concern : I am seeking to validate inaccurate information appearing on my credit report and thereby I am asking this to be updated to show accurately as set by law. 
Acc # XXXX Flurish Inc DBA Lendup XXXX XXXX XXXX # XXXX XXXX XXXX, CA. XXXX Inaccurate information on account status and payment information. Payments not showing for the month of XXXX and XXXX. 
Please investigate my account in addition to the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for conformation of your actions. 
Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. 


Cordially
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DC)

I am having some issues with my credit report with Items on it the are not mine. Its possibly fraud. I would like to have a copy of my credit report. I am disputing the follow account they are not mines : XXXX XXXX BAL : {$1100.00} XXXX XXXX 30 DAYS LATE. 
I HAVE NEVER OPEN ANY ACCOUNTS WITH XXXX XXXX XXXX FOR ANY BUSINESS PLEASE DELETE OR BLOCK THIS ACCOUNT.605B.Block of  information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ]
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

I am a Wells Fargo customer. For months now I have been charged overdraft fees when 1 ) I am not over drawn and 2 ) more than the 3 fees per day their policy says they charge. Their policy says Our  overdraft fee is {$35.00} per item whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means. You will be charged no more than XXXX overdraft and/or returned item ( non-sufficient funds/NSF ) fees per day for Consumer accounts. 

This would imply that you will be charged no more than XXXX fees for overdrawing your account on any given day. However, both a regular customer service agent and a XXXX told me they do charge for more than XXXX transactions, but they carry those charges over to the next day! In the words of their XXXX XXXX, or possibly XXXX, what did you think happened to those charges? Did you think they went away? I said no- I believed I would only be charged for XXXX transactions, not charged for XXXX or XXXX transactions, just spread out over many days additionally, I have been being charged overdraft fees for overdraft fees! Amounting to many hundreds of dollars. Looks like Wells Fargo is back at it- robbing people blind.
Consumer complaint received 2022-02-16
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2019-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I was transferred to Mr. Cooper Loan servicing on XX/XX/2019. Per multiple communicators when Mr. Cooper agents my online account access would be available on XX/XX/2019. When I logged in this morning my online access was NOT available. The website stated that online account access would be available on XX/XX/2019. Clearly this is not the case. I am questioning the integrity of the IT system, Internal Controls, and Data protection policies for Mr. Cooper. Part of the answering service is " Welcome to the Family '' and the motto of the company is " Changing the face of Home loans ''. I do not feel secure in knowing that my loan was transferred to a company that will lie to new home owners.
Consumer complaint received 2018-08-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TX)

Ask them to send payment quote and they say {$60000.00} was due on home. This look like a balloon payment that we don't know where it came from. We missed 6 payment so the Government paid this amount {$24000.00}. Don't know why it is so high. I don't know where the {$34000.00} came from. We have been in this house since XX/XX/XXXX and only missed those payment when unemployed. We don't know what to do about this, I t is due XX/XX/XXXX.
Consumer complaint received 2019-09-07
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: CITIZENS FINANCIAL GROUP, INC. (CA)

This complaint submission is in regards to an Unauthorized Inquiry reported by CITIZENS BANK. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I have not done any business nor have any revolving accounts with them. CITIZENS BANK is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the Consumer Finance Department by the name of XXXX XXXX, who claim they don't have anything on file. I then received their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor XXXX stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response since XX/XX/2019. It was confirmed through my fax machine that the Supervisor XXXX had received the files ; however, after more then 15 days of notifying them, still no response. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting CITIZENS BANK immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, CITIZENS BANK is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
Consumer complaint received 2019-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/19 I deposited a {$3000.00} personal check drawn on XXXX Bank using the Bank of America XXXX MA XXXX XXXX ATM. The check was presented and cleared the same day. However BOA put a hold on the funds. On XX/XX/19 I showed a copy of the cleared check and the withdrawal from my account and the hold on my BOA account to the Bank Manager, he understood the issue and told me to call customer service. I asked him where my money was since it was no longer in my XXXX account and BOA has a hold on it and it is not in BOA balance. He could not answer
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries and I believe that I am a victim of this error
Consumer complaint received 2019-09-07
Product: Credit card or prepaid 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: U.S. BANCORP (WI)

XXXX : I was signed up for overdraft protection which was tied to my XXXX  checking account. I started to see charges on my credit card statements in XXXX XXXX for cash advances that I did NOT make. I called in and was told these were for the overdraft protection and no clear resolution was made. 

The charges appear as XXXX overdraft protection. 

Now, XXXX XXXX, XXXX, I noticed that charges again and called the bank. It seems that is almost every month in XXXX, the over draft charges were made, and showed up as cash advances on my credit card. Thus, the bank is basically saying that my auto payments from my linked checking account showed an overdraft and thus the payments to my credit card were actually made by a cash advance from that same credit card. Complete lunacy!!! 

The issue is that I have always had money in my checking account, except for once, XXXX XXXX, but that was a banking error and the balance was restored the very next day. Thus, I'm now showing cash advance balance of over {$4900.00}, with daily interest charges! This is totally erroneous. My bank has always had enough money in the account for the payments. It is just that when I use auto pay - they debit it like an over draft and I'm made to pay for it! 

I refuse to pay for this. They are stealing money from me, regardless of the what the agreement says. I was never made aware that my account was below zero because it wasn't below zero.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Company put these inquiries on my credit without my consent. I have no business with these companies at all. 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 2018-11-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Riverwalk Financial Corporation (VA)

I am sick with XXXX XXXX and XXXX XXXX. They used Multiple Toll Free Numbers, calling a total of 16 times within 10 minutes! I tried replying I was Sick, they acted like I was no  XXXX got very loud and kept saying I must speak to XXXX!
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was on XXXX  leave from XX/XX/XXXX to XX/XX/XXXX and I was not receiving my full pay during that time. What I did not realize was that due to me now getting paid my regular full paycheck and those full paychecks stopping in XXXX the correct amount was not transferred into the account that had automatic debits scheduled monthly to pay the mortgage. Since my payments were always automatic and my account had overdraft protection, I was not aware that my mortgage payment was missed until my credit score was affected. I was never late on any payments prior and have already brought my mortgage payments into being current so I have asked my lender XXXX XXXX to do a one time curtesy late payment removal. I have explained that I am a XXXX  mother and during Covid it has been hard to be financially stable and I have still managed to be current on my payments until that one time. They have denied this request. My credit score is very important to me so this one time late removal is very critical to me and my financial future.
Consumer complaint received 2021-07-14
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: Fidelity National Information Services, Inc. (FNIS) (MN)

The following credit inquiries listed on my Chex Systems Consumer Report ID:XXXX, are all fraudulent, unauthorized and not my credit inquiries : XXXX XXXX  XXXX XXXX  , XX/XX/2021, XXXX XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX  XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX , XX/XX/2021, XXXX XXXX  , XX/XX/2021, XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX  XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX XXXX , XX/XX/2021 , XXXX XXXX XXXX, XX/XX/2021 , XXXX XXXX, XX/XX/2021 , XXXX XXXX XXXX, XX/XX/2021 , XXXX XXXX, XX/XX/2021 , XXXX  XXXX XXXX XXXX , XXXX  XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX ,
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquires XX/XX/XXXX  XXXX XXXX XXXXXXXXXXXX  XXXX  XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2018-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I sent an investigation request to XXXX, XXXX, and Trans Union. XXXX responded with my results in a timely manner, but XXXX and Trans Union has not. THey are supposed to respond inside of 30 days, but XXXX and trans union has not met this requirement.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


Account Number # XXXX Company Name # NATIONAL CREDIT SYST