davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mid-Michigan Collection Bureau (MI)

I am writing this due to non-compliance with the CRA XXXX. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Company Name : MID MICH CB XXXX XXXX XXXX XXXX MI XXXX Dates : XX/XX/2019, XX/XX/2019, and XX/XX/2019. I sent dispute letters out and the letters were unclaimed and returned to me. 

The address that is listed on my credit report is the same address I used in my letters.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MA)

I had a XXXX grant which I converted to loans last year. At that time, I was told by a representative at XXXX XXXX that these new loans would be rolled into municipal existing loans and added to my monthly payments. I just noticed yesterday ( XX/XX/2018 ) they were delinquent ( 11 missed payments ) with no emails or notifications from XXXX about any of the missed payments. Again, I was told they would be added to my current loans, so I thought they were being taken out all along. I want this taken off of my credit report as this was not my fault. I paid off the outstanding balance yesterday ( {$1100.00} on XX/XX/2018 ). I have paid every single other loan on time. I am a great customer who clearly trusted the word of someone at a XXXX XXXX XXXX.
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MO)

On XX/XX/2019 a withdrawal of {$130.00} and on XX/XX/2019 2 withdrawals of {$130.00} each were on my bank statement and taken from my account by XXXX. I have never heard of this company and have no account with them. I'm not sure how they got my info and who authorized them to tamper with my funds. I bank in Missouri and this is some company based out of New York. I contacted my bank to report fraud and also contacted this company in which they were very reluctant to help me or give any information.
Consumer complaint received 2019-04-25
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. (TN)

I am writing this due to non-compliance with the ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-04-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (MI)

I recieved a email stating my loan was approved. I never applied for this loan I called them .they informed me to make a police report I did. they sent information to my email had all my information my old job number as well as my old account that was shut down over 10 years ago.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Funding Logistics, LLC (GA)

This company took money for services not rendered, there was never any work done by them at all. They promised on their website, conference call and numerous advertisement that they will dispute negative information after the fee was paid and nothing was done. I am seeking monetary damages, a complete refund of monies paid and a formal apology from the company. For accuracy the company info is below Contact Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Visit Website ( XXXX ) XXXX
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I have a credit card with AMEX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with American Express. I tried contacting both XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX, XXXX, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Consumer complaint received 2024-03-02
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2019-04-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BBVA FINANCIAL CORPORATION (IL)

There is no option to completely pay off a personal loan online. The instructions state to call and there is a phone number provided. I first contacted the institution on XX/XX/19 to pay off my loan. Due to the loan amount XXXX XXXX balance ) I was told they could only accept XXXX limit over the phone. I was also told I could pay the additional principle but only online. The rep stated after that payment cleared XXXX which would take 3-5 business days XXXX, then I would be able to pay off the remainder of the loan. At that time I submitted the additional principle of XXXX. I received a confirmation number. I checked my bank for pending transactions on XX/XX/19 and did not see the principle amount. I could see another regular payment as pending. I contacted the institution with the confirmation number and was told they did not have any pending payments. I again attempted to pay the principle amount online. I received another confirmation number. On XX/XX/19 I received an email from BVVA stating the principle payment was a failed transaction. I immediately confirmed I had more than enough funds in my banking account to cover the amount. I looked online at my BVVA account and there is another regular payment pending. There is no record of the principle payment. Again, I contacted the company and was told they had no record of the principle payment - even though I again supplied them with the confirmation number. The service reo suggested I mail in the payment, which I refuse to do. There are no freestanding locations to physically take the money to pay off my loan. I believe this company is fraudulently not allowing me to pay off my loan in order to receive more interest monies.
Consumer complaint received 2019-02-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

well fargo sent me a notice that my escrow was off and that i owed an extra {$87.00}. said notice says there office hours are 6am-10pm. when i called them at XXXX XXXX i get a recording that says there office is closed. if they can't even get there office hours correct on official notices how can they be trusted to actually calculate my escrow correctly? 

they should have received a refund check from my home owners insurance policy in the amount of {$300.00} dollars that was sent to them by florida XXXX XXXX. Additionally my homeowners premium will actually be going down by over {$1000.00} dollars a year which means i actually have a surplus in my escrow account not a shortage. please stop crooked wells fargo from repeatedly sending notices with false and or misleading information as it cause undue stress on home owners '.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TN)

Claim was determined to be authorized transaction because it occurred from customers personal device even though device was reported stolen before transaction occurred. Told police report is not enough to change determination of investigation. XXXX XX/XX/2023 thieves were able to use card and phone to cash app themselves several XXXX dollars form my account. Reported this to chase bank and was denied any path towards recouping these funds.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On my account ending in XXXX XXXX XXXX XXXXXXXX there are numerous XXXX charges. That have not been removed from my account yet because of that it shows that Im past due when Im not the XXXX charges need to be investigated. There were also XXXX  and XXXX accrued illegally during the investigation Period
Consumer complaint received 2022-03-12
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: Klarna AB (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (KY)

I received a letter in the mail from " Spring Oaks Capital LLC '' stating that I owe an alleged debt. I am a federally protected consumer under the United States Constitution and my consumer rights are being violated. The reference number on the letter is XXXX. I do not owe any debt and I demand that they cease any collections effort immediately and do not report anything to any credit reporting agency. I unfortunately have been a victim of identity theft resulting in fraudulent accounts being opened in my name. Spring Oaks Capital LLC are illegally attempting to collect an alleged debt that they have received fro " Upgrade ''. I supplied " Upgrade '' all of the supporting documents that prove this isa fraudulent account. Upgrade removed the account from my credit file and stopped attempting to collect the debt. Spring Oaks Capital is violating the FDCPA sending me deceptive forms to make me think I owe an alleged debt and take my money. It is illegal for them to collect on a fraudulent debt. I demand that they stop attempting to collect the alleged debt, send me a letter relieving me of financial responsibility and do not report anything to any credit reporting agency. If they do not the will be responsible for civil and criminal liability under the FDCPA.
Consumer complaint received 2021-03-06
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. (NY)

I requested proof for an account that is reporting incorrect payment to be verified by legal proof i.e. canceled check, payment receipt with signature and date, etc ... and if it was not provided that the account should be updated as paid never late. The time allowed by FCRA law has passed. The credit bureau returned the dispute as verified but when I requested information on how it was investigated and verified, I was not provided this requested information and the creditor continues to report the incorrect payment history and ignoring my many requests.
Consumer complaint received 2022-03-12
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.
Consumer complaint received 2018-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America charged me XXXX dollar legal fee, because another company asked them for money for an account I owed on. They did not give this company any money. I myself called this third party and paid by bill. Bank of America still will not Ive me back the XXXX dollars when their legal service did nothing to solve this matter. They did not pay them any money.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

My phone number has been receiving an average of 6 calls every day, sometimes more, from Synchrony Bank ( XXXX ), on behalf of T. J. Maxx, for a few weeks. I do not have an account with TJ Maxx. Apparently, my phone number is associated with someone's delinquent account. I contacted them directly and have now spoken with 5 separate people. One of their representatives said he would not remove my phone number from the person 's account because he couldn't update someone's contact information without her permission. He admitted he had no other way of contacting the person, and said he understood continuing to call my phone would not resolve any account issues, so his refusal to delete my information is nonsense. Every other person promised that they applied a fix that would immediately ensure I would not receive any further calls ; however, I have since received 5 more calls. I do not know the person whose account they're harassing me about and their continuing to call me will yield them no benefit. It is only frustrating and disruptive to my day.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( XXXX ) EQUIFAX, XXXX, AND XXXX USES XXXX OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!
Consumer complaint received 2019-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am really new at all this credit stuff but I am going through a really bad divorce. I am almost certain that account have been opened in my name the I never filled out application for credit. I never to freeze my credit files until I can go over what is and is not mine. The following addresses are not correct and do not belong to me possibly my soon to be Ex-husband. I an not associated with the addresses below. My only address is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following fraudulent addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH   XXXX
Consumer complaint received 2019-04-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

On the day XXXX of XXXX, I resend a transfer that I put with incorrect information, now with information that suppose to be correct. Then I wait until the XXXX of XXXX because this it suppose to be the date to recieve the money, but for my sorprise the operation appear to be completed but I do not see any money, appart of my actual amount, on it. Then, the next day I ask to my bank about my transfer with my reciept, but because some but data inserted, it suppose to be refunded again and be able to resend to the correct information as it can see on the files below. 
And now because I wait the legal 48 hours for my refund and do not see nothing I need to look for help of some other organization because I do not see any cooperation from the site responsible of the Transfer TransferWise. 
I believe that this error can be solved for continue with my studies.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (VA)

I Consumer XXXX XXXX am writing the complaint on my own behalf. I am a consumer who have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) Ally Financial has violated my right to privacy by furnishing information about me without any lawful authority. Ally Financial is a also in violation of Regulation Z 1026.13 ( d ) ( 2 ) which states that a creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. Ally Financial was sent a billing error notice as well as a billing dispute. A consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. I was not given the chance to opt-out of having this reported information by Ally Financial and this is a violation of 15 USC 1681a ( 2 ) ( iii ) and must be removed. A consumer reporting agency needs written instructions by, I the consumer to furnish a consumer report. without written instruction consumer reporting agencies has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumers report. By definition XXXX, XXXX, and XXXX has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ) and the information associated with Ally Financial Must be removed. Ally Financial was also sent a cease and desist which also stated that they must cease and desist communication through any and all mediums including my consumer report. Ally Financial has continued to report on my consumer report as a way to extort me for money XXXX XXXX XXXX which says that the collection of extension of credit by extension is a criminal offense and any XXXX or more parties involved with the collection of an extension of credit through extortion are involved in racketeering.
Consumer complaint received 2019-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2019, I sent a Method of verification request to transunion by certified mail for inaccurate bankruptcy information on my credit report. I've received no response within the 15 business day grace period.
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

the keep adding charges to my closed account I paid and the said oh not you owe late fee I said XXXX I paid and they keep adding charges. I am retired and on SS not paying XXXX charges. Home Depot stinks
Consumer complaint received 2019-03-31
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: Phoenix Financial Services LLC (UT)

I received an email from XXXX XXXX  stating that I opened a new account. I went into my XXXX XXXX account and noticed that Phoenix Financial Services had placed a collection action in my files for an emergency room visit. I called them and they stated that I did not pay a bill I accrued at an emergency room in XXXX XXXX Texas some time in XX/XX/XXXX. I told them I have lived continuously in Utah since XXXX and have never lived in XXXX XXXX, TX, which can be confirmed simply by going in my files. They were rude and refused to even take it off and basically threatened to keep it on there until I paid it off. I told them to ( _ -- -- off ) and go ahead and keep it on so I can sue them for violating the FCRA.