davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (TX)

I took out a loan with Speedy Cash. I was paying the loan when my mother had a XXXX and I had to contact Speedy Cash in reference to me leaving town for two weeks. Per Speedy Cash, they will put the loan on hold and once I return to make up the payments. After returning home two weeks later I learned Speedy Cash sent multiply payment through my checking account causing serious problems I had to clear up. I asked Speedy Cash how much was left on my loan so I could complete my payments. I then learn none of my payments was going towards my loan as informed. After calling numerous times to clear this matter Speed Cash has now placed this derogatory information on my credit report. 
Speedy cash then referred me to XXXX XXXX XXXX XXXX. Ive contacted this company and informed them of the problem I had with Speedy Cash in repaying my balance. XXXX  XXXX XXXX stated, oh well I would have to pay what Speedy Cash have listed or contact them again. When I tried calling Speed Cash, they inform me I must speak to XXXX  XXXX XXXX to settle the payment. Ive tried over and over again contacting both companies but the representatives are so unprofessional and rude they refuse to get me to management. 
Now Im getting calls at my place of business several times a day, in which I asked them to stop. The representative stated until I pay the loan they will continue calling me. They call my job stating the police will come to my place of employment to arrest me. They call my friends and family and tell them unless I call XXXX  XXXX within 48 I will be arrested. When I inform them I would file a complaint against them they stated go ahead they going to get me arrested anyway for theft.
Consumer complaint received 2019-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I was scammed off of XXXX from a seller for sporting even tickets in the amount of {$220.00}. The person selling the tickets was wanting to use XXXX. I use XXXX transfers through my Wells Fargo account pretty regularly and this is the first time I have ever been scammed. I then did more research and found that Wells Fargo nor XXXX would be willing to reimburse and track the funds and return them. The seller claimed to only want to use there chase pay or XXXX account attached. I had no idea this could happen.
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In reference to : Capital One Case : XXXX CFPB Case : XXXX This new complaint is in connection to the previous complaint submitted above. Capital One did an investigation that was done improperly, not thorough and did not contact me as requested within the original complaint. It was clear in the complaint that it could not be solved without contacting me due to the sensitive nature of the matter being an identity theft situation. This is a continuation of violating my FCRA rights as a consumer attempting to correct an invalid and wrong crediting reporting by Capital One due to a matter revolving around Identity theft. 

As a second attempt, please contact me directly at XXXX XXXX XXXX so that I can 1 ) properly explain the matter in question and 2 ) Capital One then can inform me of the documentation they will need to correct the matter. ( Just like every other creditor whom I needed to work with regarding this matter. Capital One is the last and only creditor to not handle this situation lawfully at this juncture ). 

Please let me remind Capital One and its representatives, I am an IDENTITY THEFT VICTIM. Please take note of this moving forward before your dismissive with a cookie cutter, useless " investigation '' that was previously conducted > Capital One Case : XXXX.
Consumer complaint received 2019-01-04
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: Experian Information Solutions Inc. (CA)

Experian claims an item is verified although both the lender and the loan servicer are unable to find me in their systems. This means the loan was never mine. I submitted this to Experian, and they again just claimed it was verified. Additionally, they have the same account on there three times. It is for the one Im telling you XXXX/XXXX XXXX themselves couldnt verify. It says it was opened in XX/XX/XXXX, but Experian states this will be on my credit report until XX/XX/XXXX.
Consumer complaint received 2019-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (MD)

I submitted a previous complaint along with my ID and affidavit of id theft to this company, in XX/XX/2018, I asked that they do not contact me or continue to report or try to collect false debt from me, I recently began getting calls from this company again dispute them sending me a letter stating the matter was closed. Ive already submitted the ftc affidavit, police report and ID, this company is creating undue hardship on me emotionally and it will no longer be tolerated.
Consumer complaint received 2023-03-16
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 my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX XXXX XXXX ) Account number : XXXX 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 instructions 15 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 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (NJ)

Hello I have a closed mortgage on my credit report. Its reporting late. I was never late the company said that It will remain late because its closed. I told them my mortgage was automatacly been deducted. I reaally need my credit showing postive. With all the goodness in your heart. I XXXX  both of my XXXX  in a truck accident. I XXXX  XXXX  for a living. I really need these lates removed I dont understand. Please godbless you and your family
Consumer complaint received 2018-08-25
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: EQUIFAX, INC. (FL)

I notified XXXX, XXXX, and Equifax of unauthorized inquiries on my credit report. Since the creditors didn't have me authorization, written nor verbal. I ask the credit reporting agencies to immediately delete the inquires. I previously requested the creditors delete the inquires also, and was denied.
Consumer complaint received 2018-01-28
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: EQUIFAX, INC. (NY)

Equifax credit reporting agency removed an account off my credit report. The account is XXXX XXXX/XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.
Consumer complaint received 2018-01-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

I was late with a credit card payment for my XXXX store card which I fully own up to as I have been working an insane amount of hours due to the huge XXXX outbreak. These people have been calling me every day multiple times a day, often times multiple times in a row. The other day they called 17 times in a row while we were on rounds in the XXXX. This morning they called 19 times in a row. The kicker is if you pick up there isnt even anyone there. This is beyond ridiculous, its outright harassment.
Consumer complaint received 2023-03-16
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. (IL)

in accordance with the Fair Credit Reporting act Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXL XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXXXXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account XXXX : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX I Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX, 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 instructions
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (OH)

I financed my XXXX XXXX XXXX XXXX through Mercedes Benz Financial Services in XX/XX/XXXX. Since that time, I have maintained a payment history free of any delinquencies or missed payments. In early XX/XX/XXXX, I had an unexpected medical emergency resulting in XXXX that put me out of work for over a month. I immediately contacted MBFS to request an arrangement to postpone my payment, while still maintaining my positive payment history. The representative offered me a two month payment deferral, and advised that my account would remain current even though no payments were necessary for the months of XX/XX/XXXX and XX/XX/XXXX. I was assured that as long as I resumed my normal payments in XX/XX/XXXX that my account would remain current. Less than 3 weeks later, I received credit alerts from all three bureaus stating that my account with MBFS was being reported 30-59 days past due. I have made multiple attempts to resolve this matter directly with the creditor, however each time I call I get a different story of what is going on. During my last call, a representative actually admitted to me on a recorded line that they DID see where the deferral was granted in XX/XX/XXXX, but for some reason that he could not explain to me he informed me that it took someone until the middle of XX/XX/XXXX to actually process it. There was no explanation as to WHY this happened, and to this day my credit report still reflects a 30 day late status for XX/XX/XXXX. This error resulted in my healthy credit score plummeting over 80 points due to ONE negative mark in an otherwise flawless payment history in over 4 years as their customer. I have exhausted my efforts, as well as my patience attempting to resolve this issue directly with the lender. They have already admitted their error, yet have made no attempt to correct the erroneous reporting and damage to my credit score.
Consumer complaint received 2018-01-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (PA)

TD bank has suddenly blocked access to multiple finance applications. I am unable to link my bank account to XXXX, XXXX, or XXXX just to name a few. I need these applications so that I can invest and save my money. I was able to link my account previously so this is definitely something new. I no longer am able to automatically save and invest my own money and that is not fair.
Consumer complaint received 2023-03-16
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts 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 2023-03-16
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. (TX)

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 158 USC 1681. 

XXXX # XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-01-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

IC Systems has reported inaccurate information to the three major credit bureaus. This collection account continues to surface from different companies over the last 13 years. The alleged debt is barred from statue of limitations and just the fact it is not owed. They can not provide any legal documents that supports any liability and has caused financial hardship and has been detrimental to my credit and has cause decrease in credit scores and denial from a real estate transaction.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

My. Credit report shows syncb/carecr balance of XXXX. I in no way shape or form Opened or show me my signature guys they didnt even send me one bill says opened XX/XX/2018 charge acct cancelled by credit company on XX/XX/2018. It says im 180 days late but a ) i never got so much as a birthday card llet alone a credit card and When i contacted them to know exactly what these alleged charges were for they go oh well send you itemized bills and its a month already, less then a year ago my credit score was XXXX and now cause of this something i never authorized my credoit score XXXX. 
Like im not shy about my address dont these companies verify when one applies who the XXXX is care credit? On XX/XX/XXXX new inquiry syncb industry travel/entertainment on XX/XX/XXXX new acct syncb/care credit industry : misellanous finance XXXX XXXX XXXX XXXX florida XXXX Not to mention my email XXXX is XXXX Can you do your jobs
Consumer complaint received 2019-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

I called a debt collection agency ERC for a XXXX account I had found on my credit report in hopes to find out more information. I specifically called and asked for a letter or some form of verification of this account because I believed it to be fraud. The lady I was speaking to did not send me a letter nor did she take my correct information down, she just tried to force me into a settlement for this account I never knew existed.
Consumer complaint received 2023-03-16
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. (KY)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX ) 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 instructions.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.
Consumer complaint received 2023-03-30
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-04
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

I had a parent loan through XXXX. I wanted to refinance the loan to lower the interest rate. I applied through Citizens Bank and was offered a 5.25 % interest rate. Then after applying and being accepted the interest rate increased to over 6 %. They were definately bait and switch.
Consumer complaint received 2018-01-28
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. (OH)

i was a victum of id theft someone used my information to obtain loans in my name that were not authorized by me i made several attempts to notify the company with police reports and id theft affidavites. loans were opened on XX/XX/XXXX for {$3400.00}, {$3500.00}, XX/XX/XXXX for {$1900.00}, XX/XX/XXXX for {$2100.00}
Consumer complaint received 2019-01-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My XXXX XXXX XXXX was stolen in XXXX and XXXX of 2018 and XXXX has refused to pay off the loan even though the vehicle was missing for more than 6 weeks. I have fought tooth and nail to get XXXX to payoff or partially payoff the outstanding loan amount but i receive no response and in need of Federal Help of some sort. 

XXXX NEEDS TO PAY OFF THIS LOAN
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

{$1400.00} was taken out of my Bank of America Acct on XX/XX/2018 from XXXX XXXX. The company contacted me and told me that my furniture was discontinued and offered me to order different furniture which I did this furniture was cheaper therefore i was suppose to be refunded the difference with in 3-5 business days and was scheduled to receive my furniture in 3 weeks I never receive a refund the company is closed and never delivered my furniture I filed a complaint with Bank of America on XX/XX/2018 and waited 90 days still no resolve the Bank shows they investigated on XX/XX/2018 and I had 45 more days to wait. Still no resolve Ive contacted the bank and I still have not receive my funds returned to my Acct. I paid using my Credit card/debit card connected to my checking Acct as a credit Ive been more than patient Ive  submitted receipts and if you go online it shows the company is closed. I would like my money back.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TN)

I tried to push money from another bank to the BBVA bank for a new account. instead, it pulled. Tried to contact via secure message but didn't hear anything back after 3 business days. phone calls are hard because of a XXXX so secure message is the best way to talk and they refuse to answer the message
Consumer complaint received 2022-04-27
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: CBC Companies, Inc. (NY)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I SRECEIVED A COPY OF MY INNOVIS REPORT AND NOTICED THAT THEY ARE REPORTING LATE PAYMENTS FOR XXXX XXXX AS WELL AS COLLECTIONS PLEASE SEE ATTACHED IS MY FTC REPORT WHICH WAS FRAUD AND THE LETTER FROM XXXX XXXX STATING THIS WAS SUPPOSED TO BE FIXED.