davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-06-09
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. (CT)

I been sending letters to this Company that is reporting errors in my credit profile, and they are refusing to investigate, i have not get any letters from this company to let me know if they are investigation or not.
Consumer complaint received 2021-06-09
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. (GA)

On XX/XX/2021 I disputed an account with the credit bureau The account information came back as verified and I have requested proof of verification and not received it. 

The account does not belong to me and if they have information where someone has been allowed an account in my name I need to be provided with the documentation so that I may pursue further action.
Consumer complaint received 2018-02-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (TX)

The car loan was fraud.I contacted Santander along with all 3 credit bureau regarding the account..The account was opened using my Identifying information without consent, Santander has allowed such fraud loan to remain on my credit bureau which has caused me irritable harm.I supplied a police report and affidavit.
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

SPS has refused to modify my loan. They offered a repayment plan with a balloon payment in 13 months of XXXX.I filed a chapter XXXX and my debts were discharged, but that are making me pay the all of the back payments
Consumer complaint received 2019-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (WI)

I took out a loan with this company on XX/XX/XXXX. In addition to the bi-weekly deductions that are set to cover my payoff I made an additional payment towards the principal balance only and they never applied it to the principal amount. I called to make an additional payment towards the principal balance on XX/XX/XXXX and was told my payment would not be applied to the principal. I am trying to pay the balance of this loan and it seems my efforts are not working. The loan was originally for {$2800.00} in XX/XX/XXXX and I have made bi-weekly payments of {$170.00} starting in XX/XX/XXXX and the balance is currently {$2700.00}, I understood this was a high interest bearing account but when trying to pay towards the principal balance my efforts are being thwarted. I need someone to look into this and provide me with a reason I can't seem to pay this loan down. I was told by a representative I will have to call on my payment due date to pay {$700.00} towards the principal and still have to pay the {$170.00} that is due at that time this just doesn't make any sense to me.
Consumer complaint received 2018-02-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (NV)

I took out a payday loan from this company. I have done so numerous times and their customer service has gone downhill. This is the final straw, as it were. 

On the week of XX/XX/2018, I tried to set up a refinance. I tried XXXX times over the weekend XXXX XX/XX/XXXX ) and kept getting an error when I clicked the " next '' button. The error read : " Failure to render page correctly ''. Monday, XX/XX/XXXX, I tried again on my mobile and on my work computer. The error still happened. I opened the customer service chat and spoke to someone who updated my ID information ( which had expired ) then told me to do the extension again. I did and under her instructions, I did a partial payment for the XXXX of XXXX and extended the loan for the following date XXXX XX/XX/XXXX ). She told me to do the same thing the next time I wanted to extend the loan. 

During the late afternoon of XX/XX/XXXX, I happened to check my e-mail to find a message from CashNetUSA stating that since I did not make the minimum payment of the loan, they would take out an additional {$250.00} on the XXXX which did not fit into my budget whatsoever. By then it was too late to cancel anything so I went to my bank to ask advice on what I should do because this was completely opposite of what the customer service rep told me. 

My bank suggested that I change accounts that way the amount could not be withdrawn but because of this, none of my other planned withdrawals could process. Because of the error on CashNetUSA 's part, my finances have been messed up for at least a month. I am still trying to make a payment to the company who should have taken money out on the XXXX and I've had to go around and change all my information with places I do business with. 

Since the " returned '' payment, CashNetUSA has been calling and e-mailing me incessantly ; they got a hold of my work number and tried speaking to me a little while ago. The e-mail messages keep telling me to contact customer service which I really do not wish to do since my chatting with customer service is what got me into this mess to begin with. 

Instead, I have elected to make manual payments through my bank to their payment address in Texas and I know they have accepted my payment because when I check my account balance, the amount has gone down. I am just tired of the issues I have had with this company and I would not have taken out this last loan with them if I hadn't needed to.
Consumer complaint received 2022-04-30
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2020-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Arbor Professional Solutions, Inc. (MI)

There are a few things I noticed on my credit report that I do not believe to be accurate. One is that I have several accounts with sums of money invested between crypto, real estate, commodities, and it shows no additional information in the report. Another is that there is a derogatory bill in the amount of XXXX $ that is harming my credit but was payed off?
Consumer complaint received 2020-10-19
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. (NM)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2019-11-14
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 — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc. (NV)

On my XXXX credit report there is an entry for XXXX cellular service. The company reporting this information to XXXX  is Convergent Outsourcing. The XXXX  report shows an " Open Date '' of XX/XX/XXXX, which is incorrect. I disputed this information with both XXXX  and Convergent, and finally with no action on either of XXXX  's or Convergent 's as asked for a Method of Verification, as I informed them the date was incorrect. 

Today I received the Convergent response. They advised the account was " verified '' as valid and advised the verification was attached. Convergent attached some paperwork from XXXX which shows calls between XX/XX/XXXX to XX/XX/XXXX, yet they still report to XXXX the account was opened in XX/XX/XXXX. I'm at this point at a loss to even explain the XXXX of this dispute, In short the dispute I made ( Incorrect Open Date ) was not even addressed by the company I disputed it with. Furthermore the information provided to me by the reporting agency to verify the debt, ( XXXX Bill ) PROVES my claim the open date is incorrect by 4 years. 

This does not seem to be a simple " Mistake ''. A company that has access to this information does not read a date? The is an attempt to re-age the debt.
Consumer complaint received 2022-04-30
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. (GA)

I have submitted disputes several times to have the information for XXXX XXXX XXXX XXXX on my credit report adjusted to reflect accurate payment history and Equifax has repeatedly failed to do so. Most recently they deleted all positive Payment history on one account in what seems like an intentional act to show only negative information.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-04
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. (CA)

Hi im writing regarding an account that is reporting to credit bureaus experian and XXXX XXXX XXXX Account Number XXXX.I tried multiple times to resolve the issue with credit bureaus and every time no luck.Account is fraudulent does not belong to me somehow after every dispute creditor responds with information is accurate and does not remove it from my credit reportXXXX XXXX is seriously affecting my rights under Fair Credit Reporting Act it shows that supposably i made payments to this account couple of times then i stopped.I assure i never made a single payment for this account and i want credit bureaus to verify who made the payment how this account is even linked to me and why i want XXXX XXXX to send me every document they gathered during this investigation and how did they come to the conclusion that account is mine? I am an responsible person and i pay all my dues at the time i never missed a single payment on the credit cards that belong to me.IF FTC DOCUMENT DOES NOT OPEN FTC REPORT NUMBER IS XXXX
Consumer complaint received 2022-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (WA)

I purchased a bed from XXXX  using Klarna on a 12 month plan. I set up autopay and correctly added my debit card. On XX/XX/XXXX, when I had over {$1800.00} in the account, their system failed in withdrawing the funds. The error was on their end, not mine. As soon as I realized what happened, on XX/XX/XXXX I contacted customer support and was guided in turning off autopay and setting up direct payments to them through my bank. I set up for {$75.00} to be paid every month automatically from my bank. My first payment on XX/XX/XXXX was applied correctly, but my XX/XX/XXXX payment was accepted, but instead applied to the principal ( it applied to the XX/XX/2022 payment ) instead of the XX/XX/XXXX payment due. Then they sent me emails that this payment was not received. Then they sent a letter stating they would report me to credit bureaus. I contacted them through chat several times, it was escalated, and transferred to email, which went back and forth over 5 times, and I have called the customer service number twice. They have acknowledged the mistake but have failed to correctly apply my payments. After all of this, my {$75.00} payment they received on XX/XX/XXXX was again incorrectly applied to the principal ( Now XX/XX/2022 ) instead of the the next payment due. And again, after confirming they received the payment, they are now, again, telling me I missed it, and again sent me a letter saying they will report me. I have the funds. I am making a good faith effort to pay this off, and am even paying more than the amount due so I can pay it off sooner.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (PA)

Equifax.. XXXX XXXX Acct number : XXXX XXXX N accordance with fair credit regarding act XXXX  to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions They put a middle name on my name. I dont have a middle name and they refuse to remove it
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Beginning of this month my Walmart account was sold to Capital one The payment is due XXXX of every month. I always log on to see what amount is due so I can be sure I am paying the correct amount. 
I tried to XXXX XXXX and could not get log in! Capital on was no prepared for the transition. 

So I just paid what I did for last month. I was instructed to go to URL WALMART.CAPITALONE.COM. I tried this a got a series of pages and still could NOT get to my account. So I called them and NO help. 

I need online access so I can view my account and statements and make payments This is important in order to keep my account up-to-date To date I have not received a statement nor receipt for my last payment on XX/XX/19 of {$130.00}. 

Everyone in customer service is very difficult to communicate with the just DON'T UNDERSTAND I just basically want access to my account. I am being treated as though it is NOT MY ACCOUNT. 
I know Capital One has had problems with CYBER ATTACKS but DON'T BLOCK ME FROM MY OWN ACCOUNT. I am attaching a copy of the screen I get and can't get online to my account.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I am submitting a formal complaint against Experian for their failure to respond to a dispute letter that I mailed on XX/XX/year>, via USPS certified mail with tracking number XXXX. In my dispute, I requested a comprehensive investigation into numerous inaccurate items on my credit report, including 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 XXXXXXXX, and a bankruptcy listing under XXXX. 

Additionally, I disputed incorrect addresses and a name listed on my credit report. To aid in the verification process, I included a copy of my photo ID, social security card, and a recent bill displaying my current address. 

Regrettably, I received a response from Experian, dated XX/XX/year>, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

This response indicates a failure on Experian 's part to acknowledge the legitimacy of my dispute. As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It seems that Experian has not fulfilled this obligation, constituting a violation of my consumer rights. 

Enclosed with this complaint is a copy of the dispute letter I sent to Experian, USPS certified mail proof of delivery, and Experian 's response, serving as evidence of my attempt to address inaccuracies in my credit report and Experian 's failure to conduct a proper investigation.
Consumer complaint received 2019-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LCO Financial Services, LLC (OH)

On Monday XX/XX/XXXX I called BlueTrust loans to " Revoke my ACH ''. I'm in the process of switching banks and alerted them about this. I received a verbal confirmation that ACH has indeed been revoked and my payment scheduled for XX/XX/XXXX would be put on hold. XX/XX/XXXX came and they still took the ACH even though I received confirmation on XX/XX/XXXX that this payment HAS been put on hold. Now, I overdrafted my bank account.
Consumer complaint received 2021-06-30
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. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

On 06/30/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in XXXX  and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2023-04-04
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: W&A Intermediate Co., LLC (GA)

I checked my credit and saw three medical bills reporting from XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$660.00} ; one account from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in the amount of {$720.00} and one from WAKEFIELD & ASSOCIATES from XXXX XXXX XXXX in the amount of {$680.00}. 

These are all incorrect as I have been in and out of XXXX  and have been homeless, something I let the triage nurses know prior to services rendered. I completed the financial assistance forms to ensure services were covered. I am very surprised to see these bills reporting to my credit. I never received any correspondence about these debts or how to dispute them.
Consumer complaint received 2022-04-30
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: Mid-South Adjustment Co., Inc. (TN)

MID SOUTH ADJUSTMENT ACCOUNT NUMBERS : XXXX, XXXX, and XXXX. 

There are three accounts total with the same partial number. 

These are a complete violation the NO SURPRISES ACT. 

This is a violation of the HIPPA Laws. 

I never gave Mid South Adjustment a HIPPA written authorization to obtain my medical information or use them in any way.