davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account status incorrect
Company: Fig Tech Inc. (OH)

I was offered a short term loan via email communication. 
I've dealt with them before, so took the loan. The monthly repayment was {$100.00}. My first payment was due in XXXX, which I made a double payment prior to the due date and was given a new due date of XX/XX/XXXX for my next payment. In between the time the double payment was made in XXXX and before XXXX, they reported me delinquent to the credit bureau. I immediately attempted to contact them by phone, but you are NEVER able to connect to a live person, they tell you to email or send a response thru their website. I tried multiple times and each prompt disconnects you and doesn't allow you to speak with a person. I emailed them 3 times : XX/XX/XXXX by email, XX/XX/XXXX on their website and again on XXXX as I have received no response to any communication I made with them. Additionally, I emailed to rescind my authorization for any automatic deductions for payment from my checking account, To date, not one response to any email or communication from them. I also disputed this with the credit bureau, but they continue to clear my dispute and list me as delinquent. I should not have been reported delinquent as per my online account, it stated my next payment date was XX/XX/XXXX - I assumed since I made a double payment at the end of XXXX, that was a true next due date. 
This company will not return a call to me, respond to my email requests to discuss, absolutely no response. I need assistance in getting this resolved.
Consumer complaint received 2022-10-12
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. (PA)

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. 

Account name : XXXX XXXX - XXXX XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX, Account name : 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 2022-02-17
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. (SC)

The Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XX/XX/XXXXXX/XX/XXXXBalance : XX/XX/XXXX
Consumer complaint received 2024-01-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: LDF Holdings, LLC (MD)

I obtained a payday loan in the amount of {$1700.00} on XX/XX/2023 for a down payment on a used car. 

The APR cost of the credit as a yearly rate is $ 325.001 % ; Finance Charge is {$3900.00} Amount Financed is {$1700.00} Total of Payments is {$5600.00} Monthly Payment is {$470.00} They debited my account XXXX XXXX XXXXXXXX and their reason was I authorized the payment to be paid early if the payment date falls on the XXXX of the month and is a holiday, which I did not agree to. I can barely pay the regular payment once a month and would not agree to XXXX payments in the same month totaling {$940.00}. I managed to contact my financial institution and put a stop on the payment they tried to deduct on XX/XX/XXXX. 

I logged onto the Lendumo website today and see a message in red stating they do not lend in the state of Maryland. There was no reason why? I was then confused as to why they approved me for a loan. 

I then started researching if they were legally allowed to do payday loans in Maryland and see that Maryland prohibits any type of payday loans. 

Thank you for your time and consideration, regarding this matter. 

XXXX XXXX
Consumer complaint received 2022-10-12
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. (PA)

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. 

Account name : XXXX XXXX - XXXX XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX, Account name : 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 2024-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MO)

I opened a business account for my business and noticed that it lists my name instead of my business. When I called to have this fixed they told me I have to go in person, there is no bank working XXXX miles of me. They told me they would look into it transferred me multiple times then hung up on me.
Consumer complaint received 2023-11-29
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/, I transferred {$3000.00} and {$1500.00} from my XXXX XXXX unemployment debit card issued out by Bank of America to my personal account, but unfortunately my bank rejected the money and they return the money back to my Bank of America debit card, so Bank of America blocked access to my debit card so I was able to reopened it after talking to Bank of America. So after the debit card was reopened, I checked my balance on my debit card and the {$3000.00} and {$1500.00} was not in my card. I contact my bank and they told me the money was returned back to my Bank of America debit card. I kept calling Bank of America to return my money bank since XXXXXXXX XXXX XXXX moment and they keep saying there's nothing they can do about it. I need your help regarding this as Bank of America is making life difficult for me and I need the money to pay bills and buy food at home.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (ID)

I can show phone records that show this company has called me every day, with the exception of Sundays, for the past 6 months or maybe longer. The debt they state I owe is with T-Mobile. I have already settled any debt I have with XXXX. I told them since I do not believe I owe the debt I will wait, and if it is legitimate, I will pay it once it shows up on my credit report. I also called XXXX. Nothing has shown up on my report. I believe I paid this debt and this company bought the debt and now keeps hassling me. I have asked to be taken off of this list many times. I still get phone calls and the people are so rude for no reason.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

hello to whom to may concern i had autopay with discover bank and for one reason or another payment didn't get deducted and a late payment was reported in XX/XX/2021. i reached out to discover and they assured me that the late payment was reported by mistake, due to autopay not working and discover agreed to remove late payment from all credit bureaus. I spoke to XXXX from discover on XX/XX/2021 at XXXX XX/XX/XXXX pst, she discovered the mistake on there end and assured me late payments would be removed and even put it on her notes I confirmed this with sue from discover on XX/XX/2021 at XXXXXX/XX/XXXX pst. i even spoke to both of there supervisors and they also confirmed this.
Consumer complaint received 2022-03-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

This old debt from before XXXX for an Auto purchase loan for about {$2500.00} they now want {$12000.00} for this charged off debt. This Charged off debt is continually being sold from one collection agency to another. 

In XXXX the prior collection agency Asset Acceptance , LLC sued me and the XXXX XXXX Court dismissed the debt. 

About ever 12 to 15 Months, I receive a new threat of reporting me in collection to the Credit Bureau 's and to be sued from an other Collection agency that they have sold information. 

Attached is the current threat as of XX/XX/XXXX.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Cash funds were immediately withdrawn ( XX/XX/2022 ) for a future stay with the XXXX XXXX ( XXXX XXXX XXXX ) via my Bank of America debit card in the amount of {$1500.00}. 

I cancelled the stay on XX/XX/2022 and received two notifications of cancellation and 100 % refund. Yet the cash funds would not be returned to my Bank of America for 14-days despite the unambiguous refund.

I called and wrote to Bank of America to request a provisional credit of the {$1500.00} in cash funds taken from my account and being used as " corporate float. '' The Bank of America said, " they were unable as per FDIC Reg E, and that a company may need time to reconcile IRS, accounting, or other issues, though typically 5-7 days. '' I disagreed. 

This sounded to me like banks, regulators or regulations, and companies were still operating in the pre-digital, pre-computer era of paper check processing. 

The company did not provide a refund conditioned upon vague IRS or accounting issues. They gave me an explicit, unambiguous credit - but then applied such to a 2-week future date for reasons unstated but also transparent ( i.e., FLOAT ).

I request the Bank of America, the FDIC, the CFPB, and all corporate entities acknowledge that the digital era exists in 2022, so outdated regulatory timeframes for reconciling payments must be updated accordingly. 

To the extent there are valid time lags in the digital era, the Bank of America and other Banks should accept that FLOAT expense over customers, as they would then have an incentive to minimize such- which they don't have presently. 

Thank you.
Consumer complaint received 2022-10-12
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: ALLY FINANCIAL INC. (OR)

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are XX/XX/2021 2021
Consumer complaint received 2023-06-21
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 submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I've sent multiple requests to Venmo starting on XX/XX/XXXX regarding them freezing my account. No communication has been received regarding any of my tickets nor the reason on why they froze my account. I've attempted to call customer service and they have failed to help in any way and have stated they need to forward this problem to another representative. As of now, the funds in my account are inaccessible and I can no longer receive or request money on my account.
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Management Solutions, LLC (MD)

FMS Financial Solutions keeps running my credit without permissible purpose. The company keeps pulling my credit without my permission. This has been happening since XXXX. The most recent inquiry took place XXXX, XX/XX/XXXX.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (MS)

I started my account in XXXX of XXXX. Every week for months over the summer of this year, XXXX to XX/XX/XXXX, Regions bank has been over drawing my account then charging me, sometimes multiple overdraft fees after I opted in for overdraft protection.
Consumer complaint received 2015-09-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (MS)

I was asked to drop off a post dated check for my loan payment which I was n't going to have until Friday the XXXX and I was told they were n't going to cash it until they have contacted me on XX/XX/XXXX to see if the money was in my bank account before they cashed my check so I checked my bank account on XX/XX/XXXX and they have already cashed my check and withdrew my bank account!
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX  XX/XX/XXXX -BK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX  HAS FAILEDC TO REPORTMY ACCOUNT CORECTLY ON MY CREDIT REPORT federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days I WAS NOT GIVEN THE FULL180 DAYS.. 

PER THE CREDUT I WAS CURRENT IN XX/XX/2020 FROM XXXX TO XXXX WHEN XXXX XXXX CHARGES OFF MY ACCOUBT THATS NOT 180 DAYS
Consumer complaint received 2022-12-05
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. (FL)

I have submitted disputes to you and I didn't get a response within 30 days and you'll are required to by law to do so. Please investigate my disputes please. Thank you
Consumer complaint received 2022-07-07
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-08
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. (VA)

In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A States I have rights of privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without written instructions
Consumer complaint received 2022-01-22
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: Experian Information Solutions Inc. (IN)

I have an ongoing grievance with XXXX XXXX  aka XXXX XXXX XXXX. This company, XXXX XXXX, XXXX aka XXXX XXXX XXXX is claiming that I have an outstanding balance with them, of {$3100.00}. 

I have never entered in any agreement with them, nor have I ever applied for any type of credit with his " COLLECTION AGENCY ''. This company has been FRAUDULENTLY reporting, XXXX, bogus accounts to the credit bureaus, for over the past couple of years. They've reported the accounts, under the name XXXX XXXX, XXXX, once it gets deleted from the bureau, they'll report this BOGUS account, under their " SISTER COMPANY '' XXXX XXXX XXXX ''. 

The companie ( s ), share the same address : XXXX XXXX XXXX XXXX, SC XXXX. 

I have sent them a notarized Affidavit, demanding proof of debt and asking for a document, with my signature, proving that I owe this debt to them. THEY IGNORED my request and have continuously, illegally reported this FRAUDULENT account.