davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (MO)

I called Experian to dispute hard inquiries on my report they told me they can't remove them. Called XXXX XXXX personally they said they couldn't remove them either. Stating under federal law they have permissible purpose to furnish this on my report but can't remove it. This is hurting my credit worthiness. I spoke to XXXX no last name was provided. Also spoke to XXXX at XXXX XXXX badge number XXXX
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (DE)

I have disputed multiple bankruptcies on my XXXX, XXXX, and XXXX credit report. The issue that concerns me is LexisNexis. I contacted LexisNexis and told them, they were reporting inaccurate information to XXXX, XXXX, and XXXX. I also asked LexisNexis to place a security freeze on my file. They sent me a letter stating that a security freeze is now in effect as of XX/XX/2018. Also, the security freeze would prevent LexisNexis from releasing my XXXX reports or scores derived from the information therein. On XX/XX/2018 I received a letter from XXXX  stating they verified multiple bankruptcies through LexisNexis once again. even after the security freeze was in place. 

This matter has affected my life in the worst way. I need the CFPB to assist me with this because my rights have been violated.
Consumer complaint received 2022-07-31
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. (MA)

In aceordance with the Fair Credit Reporting act XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX 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
Consumer complaint received 2022-04-25
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. (NJ)

Transunion, XXXX and XXXX are reporting different last payment for a closed account. Under the FCRA this is illegal ....
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: EA Holdings Corp. (WI)

I XXXX XXXX possess an auto loan through Easy Acceptance. In early XXXX I received a missed payment remark on my credit report from the creditor that caused my score to drop 141 points. I attempted to reach out to the company to get them to remove this remark as I made my payment on time and my account is current. I would like the creditor to remove this missed payment remark and to receive my credit points back.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I called Citibank phone number XXXX on XX/XX/XXXX at XXXX to be connected to a representative to report suspected fraud because a balance of approximately {$26.00} had been showing on my account despite recent payments I made totaling {$300.00}. I asked to remove any fees or interest that may have been charged to the account. Additionally, I had never been in possession of a Citi ThankYou Preferred MasterCard credit in my name card not have I ever seen such a card. Citibank. I was  assured the problem would be resolved and understood the account would be closed. I had not made any charges because I had never possessed a Citi MasterCard branded ThankYou Preferred physically or had the numbers of the card to use online. Additionally, I had never requested to open such a card product which I presume has a MasterCard logo. Going to Citibank website today to check on my accounts, I am alerted of a {$120.00} balance which it says I need to pay. I am still suspecting fraud because I have never used the card to rack up such a balance.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX Account # listed below has violated my rights. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX Currently on-time 1 Missed Credit cards XXXX XXXX XXXX Currently on-time 3 Missed Other loans XXXX XXXX XXXX Currently on-time 4 Missed XXXX XXXX Currently on-time 4 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of ed/XXXXXXXX Department of education XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 witout my written instructions.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Reporting Act the companies listed below has violated my rights. 15 U.S.C 16.81 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 it also states a consumer report agency can not furnish a account without my written instructions. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX
Consumer complaint received 2022-06-09
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. (CO)

On XX/XX/22 I disputed the information through XXXX, XXXX & equifax on an auto loan from XXXX as inaccurate. The disputed account stayed and remained. On XX/XX/22 I disputed the account Again including the information regarding a litigation suit involving the finance company and the file was updated with inaccurate information.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 2022-05-06
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. (KY)

In accordance with the Fair Credit Reporting act, account XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 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 2021-06-24
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. (MO)

The following accounts doesn't belong to me, nor did I authorize these accounts I've also reported my identity being compromised. Therefore, the credit reporting agencies are in direct violation of reporting these unauthorized fraudulent accounts as facts. I'm asking for these accounts to be removed from my credit file. 

1 ) XXXX XXXX XXXX  {$200.00} 2 ) XXXX XXXX XXXX  {$2100.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$640.00} 5 ) XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Duncan Solutions, lnc. (CT)

Had an XXXX on my vehicle it was never detected by the toll system and a bunch of them went into collections I was not aware I thought they were bills. Id like to remove them from collections and the fees removed so I can pay them via my XXXX XXXX
Consumer complaint received 2018-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (KS)

Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$700.00} from XXXX XXXX on XX/XX/2018. I have since repaid {$830.00}. My balance remaining is still somewhere around {$700.00} according to a XXXX XXXX employee that I spoke with on XX/XX/2018. On the website, when I try to load my loan agreement, it said " PDF failed to load '' so I am unable to view the terms of my loan. I was unaware that the loan would have such a high return ( paying over {$1500.00} for a {$700.00} loan. ) I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments.
Consumer complaint received 2022-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: GOLDMAN SACHS BANK USA (NJ)

I signed up for XXXX credit card, first month bill was XXXX XXXX On XX/XX/2022 I did setup Autopay and on the same day I also paid Previous month balance manually. Again on XX/XX/XXXX same money XXXX $ was withdrawn from my bank, probably by autopay. Since payment was done twice, I was expecting it to be settled in next month statement. Next month and subsequent following months since XX/XX/2022 did not settle any money that was taken twice from my account, rather just received monthly balances in those months that I have been paying within due dates. I reported dispute with XXXXGoldman Sachs customer care via chat -phone on XXXX XXXX, XXXX They assured to resolve dispute and issue refund, initially I was told within 30 days and later they told it takes 90 days. I have all communications on my phone. 

My bank was charged twice for the payment in XXXX for the amount of XXXX on XXXX XXXX ( I paid one time ) then on XX/XX/XXXX or so by auto payI dont see that amount XXXX paid extra adjusted in following months statementsso filed dispute on XXXX XXXX Im yet to get back my money and today Apple/GS customer care executive on chat is saying resolution was done on XXXX.
Consumer complaint received 2022-05-06
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 (VA)

paypal closed my account i cant transact my money even if the 180 days have ended i don't know what is the problem. i have tried to contact them but there is no replies. hope you will help me. my paypal account is XXXX XXXX
Consumer complaint received 2021-06-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (IL)

I received a personal loan from this company on XX/XX/2021. Per the company policy provided to me at the time I applied for the loan, I called on XX/XX/XXXX, 3 business days before my next repayment due date, and requested to revoke ACH authorization. I also sent the company an e-mail, and was told to call to discuss the account. I called, each representative I spoke to never introduced themselves or identified the company name as " Fox Hills Cash. '' Finally, I was transferred to an account manager, named " XXXX. '' When I asked to revoke ACH authorization, his response was " oh so you don't want to pay us. '' He then proceeded to say " You people always borrow money and refuse to pay it back. '' At the time I made the call, I had not missed any payment. He then threatened that if I did not allow them access to my bank account, they would report to all credit bureaus, and say I defaulted on the loan. Shortly after, my account was placed in collections. When I called them back to ask why me revoking ACH authorization automatically places my account in collections, I was told " that's just how it is. '' The company does not accept any electronic payments, not RCC and I can not call in to make a payment with my debit or credit card. I am fearful about them having my bank account information, and I do not like the way they handled this situation. I never received any confirmation that ACH authorization was revoked and I was bullied by this company just for requesting to remove authorization for them to automatically charge my bank account.
Consumer complaint received 2022-08-23
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2021-06-24
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. (FL)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not conXXXX 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 XXXXtinue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.
Consumer complaint received 2020-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cooling & Winter LLC (GA)

I legitimately owed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, money from an old XXXX XXXX XXXX purchase. I was served paperwork notifying me of a attempt to seek Judgment against me. Upon receipt I immediately PAID THE DEBT IN FULL. The payment date was XX/XX/XXXX. I paid with two money orders 1. ) {$1000.00} - Money order number XXXX. Was sent to XXXX XXXX XXXX attorney on XX/XX/XXXX and cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

XXXX. ) {$700.00} - Money order number XXXX. Was also sent to XXXX XXXX XXXX attorney and was cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

Those payments would have paid the account in FULL> Yet they continued to report to the credit agencies that the money was due and as of XX/XX/XXXX they STILL are reporting the funds due. 

Secondly they went to XXXX County Court and sought a Judgment against me, that Judgment was granted on XX/XX/XXXX. They claimed that I did not answer their complaint, another false statement as I answered the complaint and I PAID IN FULL prior to the date they state that I became in default. According to the Judgment I went into default on XX/XX/XXXX. I had paid in full on XX/XX/XXXX.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I had an American express credit card with Macy 's for over 3 years. Just recently, they closed my account without my permission resulting a 25+ credit score decrease on my credit report. I called their customer service line and they told me that they closed the account because of inactivity. I tried to explain to them that I haven't used the credit card for now but I still shop at Macy 's and will need to use it in the future. The representative was unresponsive and told me that she can not open my account back up. I tried to speak to a supervisor but no-one reached out to me. 

This account closure has dropped my credit score more than 25 point and now I wont be able to purchase a home because my credit is not good enough for a loan. The fact that the company closed my account without my permission and didn't even send me a a notice via mail or email is egregious. 

I had a similar issue with my other credit card, but they sent me a letter saying that if I don't use the credit card they will close it. At that point I used the credit card and the account remained open. 

This issue has created many problems for me and now Macy 's does not want to help me resolving this issue. Because of the decrease in credit score on my credit report, my dreams of owning a house have crumbled. 

PLEASE HELP ME REMEDY THIS SITUATION AND MAKE SURE THIS DOES NOT HAPPEN TO ANYONE ELSE!!
Consumer complaint received 2018-08-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

In XX/XX/2018 I refinanced my student loans into one. I consolidated about 5 student loans into one loan with XXXX Bank. One of my loans with American Education Services was paid in full and an over payment was due back to me. The amount of the over payment was XXXX. I received the over payments for all the other institutions except this one. I called and ask for information, all I was given was that since a 3rd party paid the loan off the refund was sent to them. I requested additional information, IE where the check was sent to, was it cashed, how me or my account was referenced and what documentation accompanied the check. They stated they would research this for me and get back to me. I received no calls from them and called back. Receive information the check was never cashed and their policy was refund to the 3rd party bank. Again i requested additional information, to be told I would receive a call back. Again, no call every made to me. On XX/XX/XXXX I spoke with XXXX Employee XXXX who told me they would refund the check to me directly and verified my address. It is XX/XX/2018 and i had yet to RECEIVE A REFUND.
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

In my last dispute I was told that the alleged debt was verified..So I am requesting a detailed process of the reinvestigation to confirm the alleged debt..I am also requesting a summary of my rights, my full file, along with sources and report recipient 's...