davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
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: Western-Shamrock Corporation (AL)

Creditor : Western Shamrock Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( Western Shamrock XX/XX/XXXX ) I contacted Western Shamrock on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for Western Shamrock or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (TX)

I was denied a loan from XXXX XXXX in part from information provided by sagestream. They do not have an online portal where I can get a copy of my credit report from them. They do not have an online portal where I can report identity theft. They do not have an online portal to do anything. They easily gave my information to XXXX XXXX with out verification of a driver 's license or proof of residence. But they expect me to provide that to them to access my information that they shared. 

I am formally requesting a copy of my credit report from them. If they are unwilling to provide it, then they need to stop reporting information that I do not have access to. This is a violation of my rights as a consumer. They should not be allowed to report credit if they do not have ease of access like the other credit companies.
Consumer complaint received 2018-07-30
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. (NC)

For the past year I have been working to not only repair my credit but remove fradulant credit information from my reports. I have taken all necessary actions to report this info from filing the neccessary paperwork with the Federal Trade Commission as well as filing a police report at which all 3 credit bureaus have received and been notified of the beginning of this year. I have recently sent via certified mail request to remove the referenced accounts from my report as well as inquiries that where not authorized. My information has not only been stolen but also my information has been leaked in numerous breaches which include, XXXX breach, Equifax Breach, XXXX/XXXX Breach, XXXX XXXX corporation Breach and XXXX. To date on 1 credit bureau has complied with my request and removed the accounts. I am now writing to request that you assist me with having Equifax and XXXX comply with my request. Majority of the accounts where opened online. And being that all my information was leaked in the Equifax breach, great consideration should be taken as that breach not only disclosed my social but my addresses, drivers license number, DOB and credit information. I would appreciate getting Support to have the accounts and inquiries removed. As I have done everything on my end in reporting this information.
Consumer complaint received 2019-08-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

On XX/XX/19 I applied online at Speedy Cash to get an installment loan. I received and signed paperwork online stating that I would pay payments from every check in the amount of {$120.00} starting XX/XX/XXXX. I was told that I would receive {$450.00} and I did in store. I was told payments were for a year and I was going to pay almost {$1600.00} for borrowing {$450.00}. When I went in person I was told in person that year of payments was only covering interest and I would still owe the principal on the loan. The interest is 677 %. Is this legal?
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (KY)

I had the citi XXXX XXXX card. I received literature stating the card would come to an end in XX/XX/2018 due to XXXX XXXX taking full rights to XXXX. They were replacing the citi card with an XXXX card. I already had that card. I had planned on keeping my citi till the end but in XX/XX/XXXX ( less than 4 weeks till the card expired ) citi billed me {$95.00} for an annual fee. I called them and explained I didnt understand why they were assessing a fee when the card was up in less than a month. The agent told me I could cancel it without losing my yearly weekend night bonus ( this bonus is awarded if you spend {$10000.00} in a calendar year which I had done ). They now refuse to give me my one free night certificate which I earned. This whole experience has been shady to say the least.
Consumer complaint received 2019-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Management & Associates, Inc. (TX)

In violation of the Fair Debt Collection Practices Act, Financial Management just reported a {$1500.00} collection account on my credit report without first supplying me with a 30-day notice to dispute. If I has received the proper notification, I would have certainly contested the validity of the debt. However, I was never given that opportunity.
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Security National Automotive Acceptance (AZ)

I have attempted to make payment arrangements with Security National Acceptance Corp. However, they refused to allow this to occur. They were very condescending. Also, I attempted to trade in this vehicle as it does not fit my family 's needs due to my child 's XXXX, however I am unable to because as I've made 18 months of car payments and yet my loan continues to get larger rather than smaller. I don't feel like I'm making any headway into paying this loan off. The other finance companies will not finance me due to this loan being so large and the amount owed not getting smaller.
Consumer complaint received 2018-03-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GVA Holdings, LLC (CA)

I continue to get calls for loan taken out in my name in XX/XX/XXXX with XXXX XXXX. I called the company and police and reported as identify theft. They left a message on my cell XXXX ext XXXX ref # XXXX today XX/XX/XXXX. 4 months ago I called the loan company they said it was cleared and were going to notify collector to stop harassing myself and family. They are threatening with taking me to court.
Consumer complaint received 2019-08-25
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. (TX)

I have student loans reported on my credit saying no payments received. I disputed this and the credit bureau said the US Department of Education says the information is correct. I have my student loan payment garnished from my check in the amount of 15 % every payday. I tried contacting the US Department of Education and they said my loans are with the collection agency named XXXX XXXX XXXX. I called them today XX/XX/19 and spoke to XXXX on a recorded line. He said that I am going to remain in default until my loans are paid in full and they are not required to report to credit bureaus. He said my payment is not considered voluntary and therefore my status will not change. I was told I could only come out of a default status by letting the garnishment continue and making a separate payment to them. That is absurd. A payment whether voluntary or involuntary is still a payment being received. He also stated that I have a balance of {$130000.00} and on the US Department of Education student loan website my balance is {$110000.00}. How can I make a payment and owe collection fees that high? This is unconscionable.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, I was checking my credit score I had seen it went down. I seen XXXX new credit inquiries with XXXX different XXXX company/bank, Capital one and XXXX. I never opened an account with them the only account I have is with XXXX XXXX. And they already spent money on the credit cards and I personally do not want to pay that back because its not me. Also, an account was opened with XXXX XXXX also which was not me. I want these accounts closed and I want this to stop from now on.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

( AR RESOURCES INC ) at ( XXXX XXXX XXXX XXXX  XXXX, XXXX ) has been sending me collection notices in the amount of ( {$930.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2020-07-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION (NY)

Someone stole mine and my husban thd 's identity. I have disputed this account four times.still it remains.I told them I want written proof of this loan being ours nothing.its hurting our credits scores everyday it's on there.the number that they report on this account is not working, I had to research it to find a working number .When I did get a hold of Regional Acceptance they showed very little interest in setting this straight Thank you for your time.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I deposited a paycheck into my Bank of America Checking account. I deposit the same check every month via Cell phone and its made available in 1-3 days. I have been with the bank for over 10 years and have no history of over withdrawing the account. 

I deposited a check for {$3000.00} on XX/XX/2020 from my business account at XXXX. The check cleared my business account on the XXXX but BOA put a 7 business day hold on allowing any of the funds into my account. I went into a branch to request a release and they told me they can not tell me why a hold was placed and there is nothing they can do about it. They are holding the funds until the XXXX for no reason they could give me.
Consumer complaint received 2021-12-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (MI)

After closing and funding, I had a remainder balance in escrow of {$1400.00}. Loancare told me that would be my refund. After closing and funding dates, Loancare decided to charge me my PMI, AFTER CLOSE, and states that there is nothing I can do about it. GO ahead and sue them is what they said. No money is to be charged after closing, it's the law!
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Remove the fraudulent accounts off my credit report now! Other bureaus fixed it, so can you. Your lack of action is not just wrong but illegal delete those unauthorized accounts immediately, or face legal consequences. Take this seriously, act now, and ensure my credit report is accurate. I won't tolerate your delay in fixing this remove those accounts immediately! 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 2019-09-03
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. (MA)

Experian report XXXX XX/XX/2019 the report does not show that I am on a payment plan.this is the result of a recent dispute, do not agree. XXXX
Consumer complaint received 2020-12-13
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. (TN)

I HAVE DISPUTED THESE ACCOUNTS OUTSIDE OF THE CFPB AND HAVE YET TO GET FEED BACK ON REMOVING THESE ACCOUNTS THAT DO NOT BE LONG TO ME.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I was contacted XX/XX/XXXX by a man online looking to buy a mattress I had posted for sale for {$200.00}. The man sent me a check via email for {$1400.00}, which I deposited on XX/XX/XXXX, and after subtracting my selling fee I was to give the remainder to movers the man said he had hired to transport my mattress. I sent a XXXX transfer of {$1200.00} on XXXX to the person I was told would be moving the mattress. The man never showed to pick up the mattress and did not reply to messages or calls I sent afterwards. On XXXX my account was debited {$1400.00} for descriptive forgery. I didnt realize this had happened until trying and failing to use my debit card at the store, after which I called my bank on XX/XX/XXXX to see what the problem was. I was simply told that the check had bounced due to it being a fraudulent check, and after asking if I could be refunded in order to pay my bills I was told there was nothing they could do on my behalf. They recommended I try and get in touch with the initial man I had spoken to or reach out to the police to make a statement.
Consumer complaint received 2019-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (FL)

Didnt get any notice from the company about any unpaid bills, I actually had medical insurance at the time, also Auto insurance in which I was covered under my PIP for medical fees resulting from the auto accident I was involved in which was the reason why I was admit to XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-08
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. (GA)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2020-12-13
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: EQUIFAX, INC. (TN)

I HAVE DISPUTED THESE ACCOUNTS OUTSIDE OF THE CFPB AND HAVE YET TO GET FEED BACK ON REMOVING THESE ACCOUNTS THAT DO NOT BE LONG TO ME.
Consumer complaint received 2018-08-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

This account was included in a bankruptcy discharge and resolved in XX/XX/XXXX-XX/XX/XXXX, I disputed this fact with the creditor, with documents yet they keep sending me threating emails. The failed to send me debt validation, just threatening emails and calls.
Consumer complaint received 2022-05-03
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. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX # XXXX XXXX XXXX MD XXXX XX/XX/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
Consumer complaint received 2018-07-30
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC (TX)

I have been dealing with XXXX and the various different collection companies they employ for over 15 to 18 months on this issue, I have responded to these attempts to collect a debt over 8 times with request to validate the debt and they have yet to comply with the request in a timely manner. When they do respond the information I get is the same information a contract to XXXX and an undated, no letter head, no identifying information list of transaction they say is a statement of account which is incomplete and unable to be authenticated. They do not send any proof that they are the owners of the debt when this debt went into collections. Finally they illegally collected {$1500.00} from my bank account, prior to validation of the debt was ever done as I provided with a request to settle the debt and a payment plan if they could provide all the validation information. It was 6 months before I realized they had begun to draft from my account without consent, prior to validating the debt. They are also sending letters to my ex-father-in-law who they apparently say is a cosigner to this invalidated debt. I have request validation 7 times in the past 15-18 months to no avail, and this is now becoming such a frustration that I am going to have to seek legal support and handle this matter. The apparent debt that is owed is over 12 years old and was in the same timeline of debts that XXXX fined for and have pending judgements against.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

XXXX XXXX I was charged {$100.00} from XXXX onto my Chime credit card. which I disputed and while it was being investigated XXXX charged me a duplicate unauthorized charge which took place on XX/XX/2021 on my Chime debit card. I immediately disputed this second charge and was given a temporary credit until the completion of the investigation. Which was reversed and funds were deducted from my bank account. 
The third duplicate charge took place on XX/XX/2021, from the same merchant XXXX for exact same amount. Which was also denied. I have called multiple times and emailed requesting the documentation used to reach a decision that charges were indeed made by me, I have asked for a simple receipt to show the origin of charges. I have not received any proof yet.
Consumer complaint received 2019-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

TD Bank froze my checking while I'm out of the country. I tried to use XXXX and ACH transfer to move my salary over to a checking account at another bank. So there was nothing out of the ordinary prior to freezing my funds. Customer service informed me that that I can only resolve this at a branch. First bank I really don't trust with my money.