davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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. (TX)

the accounts/ inquires cant be verified and need to removed from report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown XXXX XXXX Unknown XXXX XXXX Unknown XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NC)

Recently, I have received phone calls from a collection agency named Hunter Warfield. They claim that I have an outstanding balance of {$540.00} owed on a previous rental property. They are also telling me that if I do not pay it immediately, they would damage my credit report by reporting it to XXXX, XXXX, and XXXX XXXX. 

First of all, I have explained to Hunter Warfield, that I resolved my account with my former landlord some time ago, so their collection efforts are unwarranted. Additionally, I have requested that Hunter Warfield provide me with documentation from the previous landlord, which details the charges that constitute the supposed {$540.00} debt. Their representatives refuse to send me anything in writing. They simply state that if I do not pay them {$540.00} right now, they are going to hurt my credit.
Consumer complaint received 2022-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

My loan servicer, AES, failed to notify me that I could consolidate my FFEL loans and be eligible for the CARES ACT interest and payment pause. In 2020, when I asked them if I could be eligible for CARES ACT pause, I was told no. I was not given any information on the potential benefits of consolidation or even informed that was an option. It was not until recently, towards the end of the pause period that I learned, through my own research, that I could benefit from this. I feel like AES had a duty to make a glaringly obvious notification to inform their clients about possible benefits of Direct consolidation during the pandemic. Instead, they were shady and withheld this information for their own gain. I continued making my full monthly payments, throughout the pandemic, while a struggling new mom working as an XXXX XXXX with a reduced paycheck. Had I been properly informed of my ability to consolidate and pause my payments and pause my interest, I would be in a much better situation financially. My student loan obligation during the pandemic caused undue financial burden for my family and contributed to severe stress.
Consumer complaint received 2022-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

Someone has used my social security to open two accounts with XXXX XXXX in XXXX and as a result one of the accounts has been sent to collection. This account is currently affecting my credit. a police report for identity theft has been filed. 
Please see info below XXXX XXXX XXXX # XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Transworld Systems collection company. Amount in collection {$370.00} account was opened in XXXX and closed in XXXX XXXX XXXX XXXX # XXXX address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX amount {$1100.00} account opened in XXXX and closed in XXXX
Consumer complaint received 2022-08-24
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. (MN)

In accordance with the Fair Credit Reporting act XXXX  DEPT OF EDUCATION/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 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I never opened up - XXXX Opened XX/XX/XXXX for {$630.00}, - XXXX Opened XX/XX/XXXX for {$210000.00} - XXXX XXXXXXXX Opened XX/XX/XXXX for {$250.00} - XXXX Opened XX/XX/XXXX for {$5100.00} - XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Opened XX/XX/XXXX for {$820.00} - XXXX XXXX ( Original Creditor : XXXX XXXX ) Opened XX/XX/XXXX for {$190.00} - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX for {$680.00} - XXXXXXXX XXXXXXXX XXXXXXXX Opened XX/XX/XXXX {$3200.00} - XXXX  Opened XX/XX/XXXX for XXXX
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My name is XXXX XXXX, I have an account on Capital one Bank that has been froze since XXXX XXXX I deposited two checks from my business customers which is XXXX and XXXX auto insurance. 
They froze the two checks cause it was not written under my name. 
I spoke to them since XXXX they said it took only 90 days to process this investigation however it is over 90 days now and they said they need that hold harmless letter or woe ( without entry ) However I spoke with the insurances they dont issue it. 

This week i called capital one bank and they verified it is the bank of XXXX and allstate that will issue the hold harmless letter or woe. 

My concern to this matter because CAPITAL ONE BANK INVESTIGATOR is not making any actions to speak with the XXXX and XXXX. It is me who keeps on calling the insurances XXXX and XXXX didnt receive any calls from CAPITAL ONE BANK INVESTIGATOR. 
But CAPITAL ONE BANK said to me they send a required documents to XXXX and XXXX since XXXX XXXX.however XXXX and XXXX DID NOT receive anything from them since XX/XX/2022. 

On XX/XX/2022. Capital one bank said they will try to reach on me with the name investigator XXXX however she didnt call. 
This investigator is not doing any actions to our account to be solve right away since XXXX. 
This is my second time attempt to complain cause this Investigator is not doing any actions. The investigator is not even calling us to update the process they are doing. 
This investigator needs to reach on me and talk to me via phone atleast. 

Hope this complain will be solve asap. I have so many bills to pay just like you guys!
Consumer complaint received 2019-11-01
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: SYNCHRONY FINANCIAL (WI)

Hi I was having a GAP credit card. As my visa was not extended I called gap to close my credit account and they told I am all set. This happened on XX/XX/2019 and I travelled back to XXXX. Last month I noticed there was an amount XXXX charged on my credit card. So I tried reaching the gap via chat and email but they told they dont have any control since this this is managed by synchronous bank and they provided a customer care number, which is not reachable from XXXX and they dont have any email id to reach. I am still in XXXX and have not done any purchased, the fair deal is is wave these and close my account properly so that the card wont be miss used again. Thank you
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (CO)

XXXX  XXXX account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.
Consumer complaint received 2022-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TX)

First had issue with original debtor. The hospital where the procedure took place. Tried to dispute with them but they failed to contact me. Within a months time and several attempts by me to contact them they had forwarded my account to a debt collector. Finally when we did connect they could not help me as the debt was already turned over to collection agency. I have all corresponding emails and letters that I have sent. 

First collection agency stopped as I had instructed that I was in dispute of debt. The second agency continually tried to call me. I sent a dispute letter trying to resolve the issue but to no avail. I have requested from them if they are licensed or bonded which is required in the State of Texas and have not received confirmation of this. 

Looked them up on the Texas Secretary of State web site and find them not legally allowed to do business in Texas.
Consumer complaint received 2019-11-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC (GA)

I have requested an itemized validation of the debt because it is a hospital bill that I would like to know if I have already paid a portion of or that I didn't owe to begin with. I got one statement from them that had a one line total, date and who it was for, nothing else. Every time they call me, they ask for my date of birth, last four of SSN and my street address. They call from different numbers and I do not feel comfortable giving any of that info out. I have asked them to quit calling me while I am at work ( I XXXX XXXX XXXX ) and that they can reach me after XXXX XXXX, but not only do they continue to call, they called 2 hours after I told them not to call me at work. I have started paying down the smaller debt directly to the XXXX. These people are nasty and rude and I do not want to pay them anything. I have proof of my last three payments to the hospital ER.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  XXXX account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.
Consumer complaint received 2022-08-26
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. (TX)

the accounts/ inquires cant be verified and need to removed from report 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
Consumer complaint received 2019-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JDJ Investments, INC. (LA)

CBS Collections is reporting 3 chargeoff collections to the credit bureaus. These are all inaccurate. I have no knowledge of any of these and is surely the result of identity theft or erroneous billing. I have disputed this with them through the normal channels and they have failed to provide written proof that they are mine and have not stopped reporting them. 

The collections are : XXXX XXXX XXXX XXXX XXXX XXXX  1 ) assigned XX/XX/XXXX, from XXXX XXXX Hospital for {$51.00} 2 ) CBS Collections Assigned XX/XX/XXXX, XXXX  XXXX  XXXX XXXX   for {$480.00} 3 ) CBS Collections Assigned XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, {$70.00}
Consumer complaint received 2022-08-24
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. (MN)

In accordance with the Fair Credit Reporting act XXXX DEPT OF EDUCATIONXXXX 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 2022-08-24
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. (MN)

In accordance with the Fair Credit Reporting act XXXX DEPT OF EDUCATION/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 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX without 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 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (OR)

Since XX/XX/22, fraudulent activity has been happening with my Wells Fargo checking and credit account. Despite numerous " claims '' and investigations, money keeps being withdrawn from my account that Wells Fargo has been unable to prevent. All of the activity is happening in XXXX XXXX with one exception occurring in XXXX. As soon as they offer me any sort of credit, the money is siphoned away. When my checking account is overdrawn from this fraudulent activity, they remove funds ( overdraft ) from my Well Fargo credit account. There were also fraudulent cash advances done on the credit card, but this seems to have stopped. 
I am approaching the month mark of this fraudulent activity occurring and have been living off a separate credit card, hoping this will get resolved. I can not sustain this much longer. It has also been very emotionally upsetting.
Consumer complaint received 2022-08-24
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. (CA)

I have on multiple occasions disputed the information that is being reported on my credit file without my permission. And each and every time, they do a robot reply that its verified. As such the wrong information is still being reported and I have been hurt adversely and it is NOT FAIR. 
According to all the credit reporting rules and FRCA, CCRAA etc... ALL information MUST BE ACCURATE. But these ERRORS are being reported without my permission and as such is a VIOLATION of all these Fair Credit Acts as well as a violation of my PRIVACY.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

CitiCard Customer Service XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX Attn : Citi Re : Case ID # XXXX To whom it may concern : Please reverse bogus renewal charge of {$110.00} to my card made by XXXX. 
Background : XX/XX/XXXX Purchased XXXX computer with XXXX already installed. 

XX/XX/XXXX Computer crashed due to poor protection. Computer not repaired. 

XX/XX/XXXX Borrowed daughters XXXX Notebook computer with another protection service provider already installed. 
XX/XX/XXXX XXXX XXXX charged {$110.00} to my XXXX XXXX. 

XX/XX/XXXX Called XXXX XXXX XXXX to question XXXX charge. XXXX said it was an automatic renewal. I told them I did not want to renew and to reverse charge. 

XX/XX/XXXX Replied to a XXXX email ( Exhibit A ) to create a paper trail for myself. 

XX/XX/XXXX Received three ( 3 ) voice messages from XXXX. I returned two ( 2 ) calls and left messages that I do not want service. 

XX/XX/XXXX From XXXX to XXXX made three unsuccessful attempts to connect to Citicards ( Exhibit B ) XX/XX/XXXX XXXX called XXXX Visa Card. Told to write XXXX and FTC. 

My repeated attempts to reverse a bogus charge reveal a pattern and practice of non-compliance with consumer laws. Please write me any reason given for not reversing this charge. 

Truly frustrated, XXXX XXXX XXXX cc : XXXX  ; FTC, XXXX XXXX. 

Subsequent to letter XXXX recorded call with XXXX XXXX told waiting to hear from Merchant 's bank. Would not reveal name of bank or how long Citi would wait or what they needed to hear. Did acknowledge receipt of written response.
Consumer complaint received 2022-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RGS Financial, Inc. (IL)

This complaint is regarding the RGS financial account number XXXX, Original Creditor : XXXX XXXX XXXX, Current Balance {$10000.00}. 

Today, XX/XX/2022, at XXXXXXXX XXXX CT, I received a call with a caller ID XXXX XXXX XXXX 

Since I am a XXXX XXXX I thought it was from my school and answered. 

When I answered, the representative said she would like to speak with me. 
I thought something was very odd, and I asked, where is this call from? 
Then, the representative said, It is a debt collector, calling from RGS Financial. 
I was stunned. 

Also, when I asked why your caller ID showed that you appeared as XXXXXXXX XXXX XXXX, the lady told me, Because you are a graduate student, we wanted to work with you and help you. 
I was speechless. 

When I previously contacted via a chat through RGS Financial website regarding any settlement options available, I disclosed that I am a graduate student to the representative I had a conversation with, XXXX XXXX, who was very pleasant and kind to discuss available options for me. 

However, todays call and the conversation I had today, not only violated Fair Debt Collection Practices Act 807. False or misleading representations but also it is not acceptable. 

Lastly, I told the previous representative, XXXX XXXX, on XX/XX/2022, that I could pay the settlement payment all at once on XX/XX/XXXX or later. Then I was told that the system allows scheduling a payment only 30 days in advance. So, it was ended that I would call at the end of XXXX to schedule payment for the settlement offer available for me. However, again, I got a call from RGS Financial today even though I already talked and discussed it with the previous agentwhich violated Fair Debt Collection Practices Act 806. Harassment or abuse. 

I have attached the screenshots showing caller ID as XXXX XXXX XXXX and the chat I had with XXXX XXXX on XX/XX/XXXX, showing that we discussed the settlement, and I am the one supposed to call her to schedule the payment at the end of XX/XX/2022.
Consumer complaint received 2022-08-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (ID)

I took out an {$800.00} loan. I was unable to pay the amount back in full. I made payment arrangements with them for me to pay online. I thought the date started XX/XX/2022 Ace Cash Express took out the {$800.00} plus {$74.00} fee out of my bank account after I revoked authorization on XX/XX/2022. 

I did not authorize this payment. They did not tell me this would be taken out. 

This caused me financial hardship. 

I attempted to take out another loan through them but only pre-approved for {$300.00} and them denied me for my orevious loan being late even though they broke payment arrangement by taking full amount. 

Unacceptable.