davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (IL)

On XX/XX/XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, Explore Credit debited {$50.00} and on XX/XX/XXXX, Explore Credit debited {$190.00}. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.
Consumer complaint received 2021-08-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  has recieved all my documents for my identy theft case and still will not remove the items. I have called and asked that need and i have sent it.. Never a clear response and no one will ever help me. 

Also they never responded to my Method of verifvaction letter and thats kind against the law but they dont care.
Consumer complaint received 2021-12-14
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. (MO)

XXXX is still adding interest and fees to my student loan account. They had charged me interest on a student loan that was supposed to have ceased during the pandemic. I never agreed to have them as my loan provider. They have illegally added fees to my account. I have written and complain about the illegal fees added to my account. They have constantly illegally continued to contact me when I ask them to cease contact. If there is another department that I can file a complaint with please let me know. Now the balance has risen and the amount of the allege loan is more since I filed a complaint against them. My credit scores went down and my auto insurance went up. These dirty companies has constantly illegally affect my credit scores.
Consumer complaint received 2021-05-11
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: BARCLAYS BANK DELAWARE (CA)

Contacted Barclays XXXX for a billing dispute. Open the dispute on XX/XX/2021. Received response to the dispute via mail on XX/XX/2021 but CC company letter is dated XX/XX/2021. Replied to CC company via fax and mail on XX/XX/2021. CC company has NOT replied back and closed the case.
Consumer complaint received 2021-05-11
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX is reporting an incorrect, inaccurate debt on my Transunion Credit Report and other credit reporting agencies. 
XXXX has re-aged the debt they say I owe to them. 
I have never had any agreements or done any business with XXXX XXXX. 
This company has not validated their relationship with me in connection to the debt they say I owe. 
When asked, XXXX XXXX has not provided any written contracts providing them permission or right to collect a debt from me. 
I have contacted this creditor and requested validation of this information. 
They can not or refused to show me the date of first delinquency associated with this account. They have not provided any information on how they calculated amounts they say I owe to this date. 
They are reporting this account as open and active with late and past due payment due each month. 
I have contacted Transunion and reported this debt as invalid. Transunion responds that debt is verified with no underlined proof of how they verified this debt. 
Both XXXX and Transunion refuse to delete the inaccurate and incomplete information. 
I have been disputing this for months with no success.
Consumer complaint received 2022-03-27
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX BANK DELAWARE 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 an account without my written instructions.
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

Hello i am writing to you regarding a Wire Transfer that has not been resolve, i have been speaking to different bankers regarding the issue with not receive the money i sent. Either you fix the issue or someone will not have a job. Your CEO is the worst person who is XXXX and can not keep his finances straight. i sent a a Wire transfer and i want it fix by this weekend. excuse after excuse is what i get from your bankers online and on the phone and in person. 
i better get the money soon because i have already started my process with an Attorney. You had a Technology issue and you made me have to see an Attorney for your mistake, i better have the funds back in my account and stop asking XXXX. Also Wells Fargo had a issue with the computer system and never has been fixed that is money that was wire because of their Mistake then not fixing the issue fast enough.
Consumer complaint received 2022-07-06
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. (CA)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX ; XXXX, XXXX, L ; XXXX, XXXX, XXXX ; XXXX XXXX AV XXXX, CA XXXX ; XXXX B XXXX XXXX XXXX XXXX, CA XXXX; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX  XXXX XXXX XXXX, WI XXXX ; XXXX XXXX LA XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$85.00} ; XXXX XXXX XXXX XXXX Owed XXXX {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

Our mortgage was acquired by Freedom Mortgage in late XXXX. We have made every payment on time which was even acknowledged by them over the phone. They have promised to address the discrepancy several times, but we are still receiving deliquency letters from them and have been reported delinquent to XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2022-03-27
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: Persolve, LLC - Legal - Series 2 (FL)

I have tried to reach out to Persolve Legal XXXX several times requesting them to provide me with an interest disclosure and a break down of how the interest is being accumulated on my credit report after several requests they refuse to disclose this information so I am under the suspicion that they may be charging more interest than legally allowed based on the contract they purchased from XXXX. 

I have requested this information XX/XX/2021, XX/XX/2021, and XXXX XXXX. 

The balances reported on my credit report are also reporting inaccurately which I have contested several times without response. I have seen a change in balance since I settled with Persolve legal XXXX in court however the balance reflected is still reporting inaccurately whenever I contact this company by phone the representatives hang up on my immediately when I ask for a detailed billing history.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

I received two separate books of checks for two different checking accounts that were opened in a name very close to mine. One had the correct address on the checks and the other was a number off. Both check books had the incorrect phone number. I called TD bank, where both accounts were opened, and they marked the accounts as fraudulent and closed them. They also provided me with steps to take regarding identity theft.
Consumer complaint received 2021-08-26
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-08-26
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: The Bureaus, Inc. (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! The Bureaus, Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Consumer complaint received 2021-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I was having problems making my car payments due to my prior XXXX treatments and the pandemic. I had to take off work for a while and was receiving my XXXX. Thankfully Capital One Auto Finance offered a plan that split my monthly car payments in half from XXXX to {$290.00}. After reviewing my account I noticed my Maturity date has been extended out for an additional year and a 5.9 % interest rate has also increased my increased interest payments as well. After speaking with a rep he explained to me the {$290.00} payments made for XXXX and the 5.9 % additional interest charges is what kept me in the car. None of the approx {$2500.00} in payments has whet towards my loan payments. Even though Capital one applied portion of the payments towards the principal they added XXXX payments XXXX XXXX to my loan which gives them the XXXX reduce payments and 5.9 % percent payments for free. I lost my money when I could just paid a month behind until things got better. This is so unfair. Now Im gon na be paying {$25000.00} for the car and {$20000.00} to Cap! This is not helping the consumer! This is robbery!
Consumer complaint received 2021-08-26
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: BARCLAYS BANK DELAWARE (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out XXXX rounds of dispute letters to the XXXX credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me XXXX contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Consumer complaint received 2022-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SD)

I contacted Navient and told them to stop automatic payments from my account. They continue to take money out of my account. I have a letter stating the stopped automatic payments and they still took money from me. I am in the process of applying for the loan forgiveness program. This has caused me major financial stress. 
I want the money back in my account that was taken.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-11
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: Regional Management Corporation (NC)

I have received a copy of my credit report and it shows company REGIONAL FIN account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is several unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.
Consumer complaint received 2021-08-26
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. (FL)

This account has been disputed several times with all credit bureaus and each time the account is deleted because it was opened falsely form identity theft. Unfortunately, the account continues to report false and negative information even though this account is more than 7 years old.
Consumer complaint received 2021-08-26
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. (FL)

I tried to dispute this account with the credit reporting agencies as an account I have no knowledge of opening. I even tried to reach out to this company, but the phone always rings and hangs up or no one picks up the phone. I even tried to send letters explain the falsity of this account on my credit report.
Consumer complaint received 2022-03-27
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: Experian Information Solutions Inc. (IL)

In accordance to the fair credit reporting act XXXX  account number XXXX XXXX XXXX XXXX # # # #, is reporting Has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint against XXXX, Experian and XXXX for inaccurate reporting on my credit reports. On XX/XX/2021 under the Fair Credit Reporting Act, I filed a dispute with each credit bureau where I sent a copy of my Title to my Car and a letter from XXXX XXXX showing that my account has been paid in full. Neither credit bureau updated my report to show that this account has been paid in full. Upon completion of the dispute the credit bureaus decided to ignore my Title and the letter submitted and continues to report this account as Open and with a balance. The credit bureaus are supposed to report accurate information in accordance with the Fair Credit Reporting Act. I provided a copy of my Title and a copy of a letter showing my account with XXXX XXXX has been satisfied there is nothing for the credit bureaus to do but report this account correctly and/or remove it from my credit files. It should not be this hard to get the credit bureaus to follow the law.