davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

XXXX XXXX, I send a letter to the courthouse asking do the report bankruptcies to credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information, However, such information shall not include specific factual information on consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from creditor of the consumer from the consumer. They also violated my rights numerous times. The credit bureaus violated my given right 15 USC 1681. According to : 15 U.S.C. 1681 section 602 A. State I have the right to Privacy.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I went to a car dealership and they stated that they were only going to use one bank and I said that was fine because I had my own financing but they could beat it with one company. I find out months later that they sent my credit to a lot of people because I was getting letters saying I was either approved or didn't accept credit. I also see Hard pulls I did not authorize as well.

I just want these removed because it has added a lot of Hard inquiries and has hurt my credit score hard.
Consumer complaint received 2022-05-13
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: Mercedes Benz Financial Services (FL)

I have contacted XXXX In XX/XX/2022, XX/XX/2022 and XX/XX/2022 about ( 2 ) two unauthorized inquiries that they are reporting on my credit report. I contacted the two creditors XXXX XXXX Bank ( bank ) and Mercedes Benz Financial ( finance ), they said they contacted the credit bureaus to let them know they weren't any transaction or permissible purpose between them and me. These inquiries are affecting my interest rate to potential loans I am applying for.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax continually lowers my XXXX score by mis rating and connecting a XXXX XXXX XXXX   Account, Interest is accruing, but loan is not due payable for 6 months yet, I can not pay interest until payment is due ... this is incorrect, and they need to stop this baloney
Consumer complaint received 2022-05-13
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: JPMORGAN CHASE & CO. (FL)

I have contacted XXXX In XX/XX/2022, XX/XX/2022 and XX/XX/2022 about ( XXXX ) two unauthorized inquiries that they are reporting on my credit report. I contacted the two creditors JPMCB Business Bank ( bank ) and XXXX XXXX XXXX ( finance ), they said they contacted the credit bureaus to let them know they weren't any transaction or permissible purpose between them and me. These inquiries are affecting my interest rate to potential loans I am applying for.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching a copy of the request that I sent to XXXX and Trans Union on XX/XX/2018. In the letter, I requested that the two agencies request errors on my credit report. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2016-12-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (MS)

I got a loan through Big Picture Loan and was not given correct information about it. I am being charged 968 % interest on a {$350.00} loan. In total i am paying back {$1800.00}. And I have to pay {$120.00} every two weeks. I was never told that I would have to pay so much back or that I would have to make payments every two weeks. If I would have known this I would have never borrowed money from them. Is this legal? Is there any way I can get out of this?
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (NY)

STARTED SAVINGS ACCOUNT IN. IN XXXX OF MANY WITHDRAWLS STARTED COMING OUT OF MY XXXX XXXX ACCOUNT FROM CREDIT KARMA. XXXX XXXX XXXX XXXX AND MANY XXXX DOLLER WITHDRALALS. WHEN I TRYED TO STOP THEM RELEAZED THE PHONE NUMBER TO ACCESS ACCOUNT HAD CHANGED. XXXX TRACKED MY PHONE TO THE SAME AREA WERE THE MONEY WAS TAKEN OUT AT A XXXX STORE. AFTER MOUNTHS OF DISPUTES AND TRYING TO GET THE NUMBER OFF MY ACCOUNTTHE MONEY WAS GONE MANY CHECKS BOUNCEED AND OVER XXXX IN FEES. XXXX XXXX FILED COMPLANTS CREDIT KARMA REFUNDED AND 1 WEEK LATER THEY TOOK IT BACK. IT TOOK 4 MOUNTHS TO GET THE PHONE NUMBER OFF MY ACCOUNT AND CTEDIT KARMA KEEP DISCONECTTING PHONE CALLS. WE FILED POLICE REPORTS AND CONTACTED FDIC WHO IN TURN SENT US TO YOU.IM SENDING SOME OF THE PAPER WORK THAT SHOWS UNKNOWN DEVICE AND TIME STAMPS THAT ARE TIMES WE ARE NEVER UP AND ON ANY COMPUTER.THIS HAS CAUSED US TO CLOSE DOWN BECAUSE WE CAN NOT RUN CREDIT CARDS BECAUSE OF THE FRURDULENT ACCTIVITY.IT HAS ALSO CLOSED 3 CDEDIT CARDS OF ARES BECAUSE OF BOUNCED PAYMENTS. WE CAN NOT OPEN A ACOUNT WITHOUT PAYING XXXX XXXX A NOTHER XXXX ON TOP OF THE XXXX WE ALLREDY HAD TO PAY BACK TO KEEP OPERATING. THIS IS CRAZY TO STILL BE TRY TO GET THIS RESOLVED
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MD)

XX/XX/XXXX I receive an email from Venmo informing me that my account is permanently frozen. They also stated my funds would be released to me WITHIN 180 DAYS. 

( Hopefully a human being with some common sense is still reading this. ) XX/XX/XXXX I receive an email from Venmo informing me that the funds that were previously under review ( the only funds I have in Venmo are those we are referring to. ) Are now able to be withdrawn as a standard transfer only, to my bank account. 

XX/XX/XXXX I see the email mentioned above and try getting signed in. I had to email support to assist me on getting signed in. 

XX/XX/XXXX They successfully get me signed jn. I then try to add a bank account to withdraw my money to. However theres a restriction on my account that is preventing me from adding a bank account manually or instantly through Plaid. I again contact support and receive a response that a special team will be assisting me and to wait for their email. I decide Ive waited long enough to receive my money and call support. I was on the phone for 6 hours calling Venmo and being on hold for the most part. I get no assistance. 

XX/XX/XXXX I again call Venmo support and am on the phone for over 6.5 hours. Finally I speak with a supervisor XXXX who says he knows exactly whats wrong and reached out to a friend in another department. After a few minutes XXXX informs me that I can now add a bank. He stays on the phone with me as I make the withdraw. I mess up and send it to the old bank account on file. So XXXX cancels it and walks me through withdrawing my funds. He confirms it has gone through on his end. 

XX/XX/XXXX The money I withdrew the day before is now back Im my balance. So I contact Venmo over and over desperately looking for someone to help me as I never received any correspondence from Venmo regarding my withdraw being canceled. I then speak with a woman who says Ill be emailed. 
I receive the email stating I can not withdraw my money ever.
Consumer complaint received 2022-10-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Consumer complaint received 2020-12-18
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. (IL)

I previously disputed items on my credit report that do not belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX X 2
Consumer complaint received 2019-08-29
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 DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2022-12-14
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. (TN)

I demand all accounts below to be deleted, pursuant to 12 CFR 1090.104 ( ii ) and 15 USC 1681a ( d ) ( 2 ) ( i ), the term consumer reporting and consumer report does not include the activities of a person to the extent that a person collects, analyzes, maintains, or provides information that relates solely to the person 's transactions or experiences with consumers. I do not give my permissible purpose or written instructions for you to report my experiences and transactions with the following financial institutions listed below. Immediately purge and delete the accounts.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc. (IL)

I received an alert from XXXX XX/XX/22 saying that a credit card was opened in my name with Avant LLC. I immediately reached out to Avant LLC to report it as fraud. I tried to dispute the inquiry/account to XXXX as fraud, but XXXX rejected the dispute. 
I placed a freeze with all XXXX credit bureaus & I am trying to prevent & /or remove any further attempts of inquiries. 
Yesterday I received a letter from XXXX XXXX  saying the my application for an XXXX XXXX  card needed more info as I had the freeze on my SSN. 
This morning I received a call from XXXX  XXXX XXXX saying it needed to verify some things before beginning the process of the card application. 
I have also been made aware that there is an address listed in my XXXX XXXX file that I have never lived at & doesn't actually exist. It says that my name is on the title for the property.
Consumer complaint received 2020-12-18
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 (VA)

On XX/XX/2020 I received my monthly Barclays CC statement included was a charge for another account ending in XXXX. According to the statement the charge was for {$41.00} for a " tropical smoothy '' delivered by XXXX. The charge was made on XX/XX/2020 in California and even showed a Ca.phone # XXXX. 

Please take note : There are not suppose to be any additional account numbers attached to my account. 
I've never had a tropical smoothy. 
I've never ordered anything through XXXX  or similar company. 
I haven't been in Ca. in 45 years. 

Per their instructions I mailed a dispute letter to their PO box , certified, which was received in Delaware on XX/XX/XXXX. 

As of today, XX/XX/2020, that letter is still being held by the USPO. 

On XXXX XXXX I sent a complaint to the Delaware XXXX XXXX XXXX  concerning this issue and was provided an email address supposedly to the Barclays Presidents office. I sent an email immediately. 

Late, on XXXX XXXX. ( XXXX eve ), I received a phone call from someone only identified as XXXX who left a number and a msg. for me to call. The following Monday, XXXX XXXX, I called her number for the first time and left a msg. for her to return my call. To date she's never returned any of my calls and I've now called the number over a dozen times including the number without her extension. 

On XX/XX/2020 I received a new statement. The unknown account number had been removed but the charge remains.
Consumer complaint received 2017-09-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC (OH)

I really do n't know what kind of debt this is, I am just assuming because of how they acted but they could also be a scam trying to gather information. They, being D2M from XXXX Ohio, called MY cell phone XXXX demanding information about someone I know, but refused any real identification where they were from or what they wanted. Additionally, they are unprofessional and hung up on me. If they call my cell again I will demand restitution.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as collection with a PAST DUE BALANCE of $ {$1100.00} Name : XXXX Account # : XXXX Description : All three Credit Bureaus are showing account in collection with a Past due balance : XXXX show a past due date of {$1100.00}, Experian Show Past due of {$1100.00} and XXXX show Past due balance of {$1100.00}. Under XXXX XXXX XXXX account must be deleted by XXXX. 
This is a violation of FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards, By the previsions of the Fair Credit Reporting Act and per the standards of reporting compliance, implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my credit report. 
I await your reply with the above requested proof. Receiving it, I will correspond back with by certified mail. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MT)

SPS has repeatedly denied mortgage workouts following a 90 forbearance offered on my conventional private investor [ XXXX XXXX ] owned mortgage loan. They have been unwilling to offer anything other than short sale. We have significant equity in home and feel that the servicer and lender know that any foreclosure sale would bail them out, thus no incentive to help.
Consumer complaint received 2020-12-18
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. (HI)

XXXX XXXX/XXXX Account Number XXXX Opened XX/XX/XXXX Current, was past due 30 days Status date XX/XX/XXXX Late payments XX/XX/XXXX Never late on any of my accounts. Why is this negative inaccuracy on their end for XXXX XXXX  failing to report accurate information onto report? I'm sure this is a violation of the FCRA. I'm extremely upset about XXXX XXXX failing to report inaccurate information for my behalf being a user with them since XX/XX/XXXX. Should I consider to still use them if they fail to report accuracies in the near future? This is unfair practices placed against me.
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (NV)

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. 

The letters are stated with items and issues. 

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 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In regards to the claim submitted on XX/XX/2022 experian did not have permission to buy, or purchase consumer report, sell or alter the social security number for profit. Theres no contract which proves any debt is owed which involves the furnisher which constitutes the employees of experian did not investigate the matters. No debt can be validated pursuant to 15 usc 1692g otherwise produce the contract. XXXX XXXX XXXX admitted experian, XXXX XXXX and XXXX XXXX have violated credit reporting rules. Theres no debt because theres no money. The financial institutions are running a racketeering and money laundering scheme for profit by altering and selling social security number and monetizing off the birth certificates which are all security instruments. If this is denied than proof must be provided!
Consumer complaint received 2020-12-18
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. (HI)

XXXX XXXX/XXXX  Account Number XXXX Opened XX/XX/XXXX Current, was past due 30 days Status date XX/XX/XXXX Late payments XX/XX/XXXX Never late on any of my accounts. Why is this negative inaccuracy on their end for XXXX XXXX  failing to report accurate information onto report? I'm sure this is a violation of the FCRA. I'm extremely upset about XXXX XXXX  failing to report inaccurate information for my behalf being a user with them since XX/XX/XXXX. Should I consider to still use them if they fail to report accuracies in the near future? This is unfair practices placed against me.
Consumer complaint received 2020-12-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2020 I sent a letter to XXXX, XXXX, and Experian about the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like I am being ignored and taken advantage of regarding my disputes. This has really caused me a lot of stress as I have been unable to move on with my life.Please help me. Thank you.