davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
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)

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, Equifax and XXXX was XX/XX/2022,, 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 delete immediately : XXXX : XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX Balance : XXXX XXXX : XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX Balance : XXXX
Consumer complaint received 2024-06-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Regional Management Corporation (TX)

Multiple emails regarding applications for loans. Reported and froze my credit with XXXX credit systems on XX/XX/scrub>/2024. Locked all my accounts. Calling all the emails received about loan applications starting on XX/XX/scrub>/2024 to alert fraud.
Consumer complaint received 2019-06-28
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)

I disputed through XXXX XXXX because XXXX will not let me dispute anything online. There is an old lease ( XXXX XXXX XXXX ) that is reporting with a balance of {$4800.00}. This balance has been paid in full through the dealer when I returned the car. I did re-lease a new car through them however its showing on my XXXX credit report that I still have this amount. I confirmed with the dealership and it has been confirmed the debt is paid in full and there is a XXXX balance on the XXXX XXXX XXXX. Having this extra debt reporting which is incorrect is affecting my credit score. Its XXXX of debt that I do not owe. This amount is hurting my debt to ratio number.
Consumer complaint received 2017-08-29
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. (AZ)

We owe XXXX XXXX XXXX, and since XX/XX/XXXX I have tried to fix the credit report with Experian, it has being three different times that I needed to start a review with them, it took more than a month each time. 
They were many errors and every time, I had to call the companies involved to try to solve it due to the lack of cooperation from Experian. 

They have some employees that want to help but some another ones that they treat you like if you owe them money or if you are doing something wrong, once they told me that we ( the customers ) get hung on the number, well, the number is the score that represents a company, and I needed to improve it, but they would not help. They just wanted us to buy the credit monitoring from them, and then they could help. 

We had a lien from the IRS that is resolved and paid for since last year ( 2016 ), and Experian does not want to delete it out of my credit report, even though there was another lien for a smaller amount, and that one was removed.
The lien affects my company credit score, and the last answer from them it was that it might take seven years to be removed. 
I would like your help in my dealings with Experian, when I call directly they just give me the round around and say that is under investigation.
Consumer complaint received 2021-07-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (TX)

NCB Management was sold/assigned a debt that was/is already payed according to 18 USC 8. Moreover, although they have recently deleted this unlawful reporting from my consumer report, I am holding them civilly liable for each individual action under the Fair Debt Collection Practices Act. I have sent through certified mail a sworn affidavit of truth, invoice, and exhibits that prove each violation that I am demanding remedy for. Not to mention actual damages I sustained as a result.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (UT)

XXXX months ago I signed up with XXXX XXXX to assist me in resolving my debt crisis. 
XXXX XXXX uses as a financial management company called Global Holdings LLC. 
Today I noticed that a debt settlement with XXXX XXXX  was settled for 50 % off what was owed. A monthly settlement payment to XXXX XXXX was to be paid {$200.00} monthly Only {$50.00} was sent to XXXX XXXX instead. 
Addition moneys was taken out twice to cover unspecified fees for Global Holdings in the amounts of {$690.00} and {$250.00} respectively. 

On a phone call to Global Holdings on XX/XX/2023, the agent could NOT give me a satisfactory reasons for taking two excessive fees from my account. 
Now they have told me if I continue to have the remittance from my bank for seven months, would result in a loan approval to cover more fees and all my debts.

According to Global, My monthly withdrawal of {$370.00} from my checking account. is used by Global to increase my money amount with them. 

.Predatory practice with XXXX XXXX and Global Holdings . Money needs to be refunded.
Consumer complaint received 2023-08-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (NJ)

I went to XXXX and was told I could and maybe should apply to get an auto repair loan. In turn I did more than once. At first I was able to pay off the auto loan within three months with the companies promotion to avoid high interest rates and so forth. I then found myself applying for a repair loan again at XXXX and I even stated on the phone that I was hesitant because know I wont be able to pay it off within three months. I asked if the MLA act or SCRA act or something would apply to me since I am a single parent with children and a XXXX XXXX XXXX XXXX. I was transferred to another department XXXX XXXX and told me that I should under the MLA and just send in my ID and XXXX and or any other documents asked for. I wanted to send it in right away and was told to wait until after I got the loan and my vehicle fixed to do it. I sent in the documents and even emailed it and Im still paying a monthly payment with 99 percent interest. Now Im wondering if this even applies to me or was I misinformed? There should be something and or a law that protects veterans and retirees in these situations. Therefore, please do let me know if I do or do not fall under some kind of law that protects my situation from high interest rates or not and if there is something I can do or not and thank you.
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OR)

Called Citibank in an attempt to product change to a no annual fee card, and the automated system closed my account. When prompted if I was sure if I wanted to close the account, I repeated that no, I did not, and I wanted to product change. I was eventually rerouted to a human, and got no recourse on the situation.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

Upon reviewing my consumer report, I see that XXXX XXXX has flagged an account on my consumer report as a charge-off. The IRS requires XXXX XXXX to send me a 1099C by XX/XX/XXXX. This charge-off is considered earned income, and I will have to file a 1099C on my tax return. Therefore, the account status has been changed to earned income. My consumer report should not contain information regarding my income. This account violates accuracy of report. Additionally, the account has been reported as having late payments incorrectly and inaccurately by different bureaus. I would appreciate your investigation into this matter.
Consumer complaint received 2022-04-11
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. (GA)

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, XXXX and TransUnion was XX/XX/2022,, 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 delete immediately : XXXX : XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX XXXX : {XXXX} XXXXXXXX XXXX  XXXX Balance XXXX {XXXX} XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {XXXX} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX XXXX : {XXXX} XXXX XXXX Balance : {XXXX} TRANSUNION : XXXX XXXX XXXXXXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX Balance XXXX {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {XXXX} XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX : {$XXXX} XXXX XXXX Balance : {XXXX}
Consumer complaint received 2022-10-16
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. (DE)

I recently rehabbed my student loans, and XXXX XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but 4, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (MD)

This is regarding complaint # XXXX filed on XX/XX/2023. Equifax requested documentation so they can reinvestigate. I sent them the requested documents including my FTC report via certified mail. Please see attached. And these items still remain unresolved with no proof. They are in violation. Do I need to request a FOIA request for each company to show proof? I mean how far do I have to go to be protected? I've sent my FTC reports to them and the report alone including my letter asking for the deletion should've sufficed. Under code 15 U.S. code 1681I ( A ) ( 5 ) ( A ) ( I ) this reporting agency has continued to say that they have reinvestigated these inquiries, but I have yet to receive any DOCUMENTATION of my wet signature as proof as requested of them. I have been asking them about this for months even before making this complaint. Still NOTHING. These are unverified accounts and I want them removed IMMEDIATELY. Or I will be forced to hold this creditor liable under code 15 U.S. code 1681N ( A ) ( 1 ) ( A ) because at this point this is unjustified, and they are willfully being noncompliant, and I feel violated. I do not need a " continuous reinvestigation '' I need XXXX 's and any hard inquiries that I've requested get removed from my report. IMMEDIATELY!! Or I will be forced to move forward to obtain my remedy. CFPB, I ask for your assistance in this matter as you are the real bureaus here to protect the consumers and they are not.
Consumer complaint received 2023-01-13
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)

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00}
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXXXX/XX/XXXX EXPERIAN 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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ready Capital Corporation (TN)

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, The company forged my name on a home loan that was not made and falsely inserted a middle initial O.
Consumer complaint received 2022-04-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

Payment requested from XXXX  was for XXXX on XX/XX/XXXX. Payment was made on XX/XX/XXXX which is less than 30 days from the original payment due date. No answers provided by XXXX  about why being 24 days late results in a 30 day delinquency. Online system requested {$290.00} and {$290.00} was paid. no issues online indicated that less than the minimum due was what was paid. If there was a " late payment '' for being paid after the due date, being issued on XX/XX/16 then there should be 30 days from the date of the notice prior to that being the issue for being late. at no point was any fee or amount to be paid ever 30 days late.
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY ()

I have checking account with Wells Fargo with more than {$2700.00} in it, and Wells Fargo is making it very difficult to access the funds. I live XXXX in XXXX and have requested a debit card on more than one occasion so I could make withdrawals of my money at ATM machines, but the card did not arrive. On XX/XX/XXXX, I again called Wells Fargo to ask where the card was. The agents said they could not authenticate me for the account because I do not have a U.S. cellular phone number. I do not live in the U.S. so there is no reason for me to have the cellular account. I asked if there was any other way to access my funds, and they said there was none, except to travel to the U.S. and present my ID card. During my latest call, XX/XX/XXXX, I was passed from one agent to another, being put on hold each time. Finally I said I wanted to make a complaint. Wells Fargo transferred me to a supervisor. But she was very rude and said my friend, whom I authorized to help me with the call, could not listen in. She then hung up on me, after we had been on the call -- much of it on hold -- for 50 minutes. We were calling from XXXX. This is unacceptable, and I still don't have access to my money.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2022-10-16
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. (AZ)

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent address 's and account. XXXX XXXX XXXX XXXX IS REPORTING FRAUDULENTLY AN AUTO LOAN IN THE AMOUNT OF XXXX ON XX/XX/2018 TO FRAUDULENT ADDRESS 'S THAT I HAVE NEVER LIVED AT! 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Consumer complaint received 2022-04-13
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. (GA)

In accordance with the fair credit reporting act convergent Accounts has Violated my rights. 
15. u, s.c 1681 section 602 A. States I have the right to Privacy. 

15. u.s.c section 604 A. section 2. It also states a Consumer reporting agency can not furnish a account without my written Instructions. 
XXXX XXXX {$350.00} Delete XXXX XXXX XXXX XXXX {$830.00} Delete XXXX  XXXX {$5800.00} Delete XXXX  XXXX {$2400.00} Delete
Consumer complaint received 2022-04-13
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. (GA)

In accordance with the fair credit reporting act XXXX  Accounts has Violated my rights. 
15. u, s.c 1681 section 602 A. States I have the right to Privacy.

15. u.s.c section 604 A. section 2. It also states a Consumer reporting agency can not furnish a account without my written Instructions. 
XXXX XXXX {$350.00} Delete XXXX XXXX XXXX XXXX {$830.00} Delete XXXX XXXX {$5800.00} Delete XXXX XXXX {$2400.00} Delete