davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I applied for a loan from ace cash express on XX/XX/2015 I was approved and received my money. I don't remember the exact amount, but they are saying I owe XXXX now. They call me repeatedly 19 times in 2 days. I've offered to make payments on my time with what I can afford I work part time and make XXXX an hour working 15 hours a weem paid every 2 weeks and plus raise my son. They told me they have me on video, which is wrong I applied online, and that I drive a black XXXX, which is wrong. They tell me they will use me, take me to court and make sure my son get taken away. I'm XXXX off over this I understand I need to pay it and I will buy I refuse to let my son not get his daily nutrition over a payday loan payment.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I have disputed an old XXXX XXXX XXXX XXXX account numerous times explaining to Experian that under The FCRA a negative account is to be removed from credit after 7 years from the first date the payment went behind. This account is from XXXX but they are dating it from the discharge of a bankruptcy in XXXX. We are now coming up on XXXX  years and they continue to verify it and will not remove it even though I have explained this to them a million times. It is in regard to credit report number : XXXX from XX/XX/XXXX. The Account is XXXX  ( XXXX XXXX XXXX XXXX ) Account number XXXX.
Consumer complaint received 2022-10-01
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-10-01
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. (OH)

There are credit inquiries listed on my report that I did not authorize XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc (TN)

I'm working with XXXX XXXX  they been tying to get in contact you. I've sent multiple letters on my behalf and have not been contacted by phone. The letters usually say return to sender and come back to me. These collections were already removed from all my credit reports all 3 credit buerous and you took over the collections. I do not owe that money I don't know why it's on my credit. Please remove them I've been trying to get in touch with u. Please reach out to me
Consumer complaint received 2022-10-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (SC)

I have only received XXXX phone call from this company about a debt owed from XXXX XXXX on XX/XX/2022. The call was XXXX minutes and the representative was speaking very low to where I could not hear them. I tried to call AD ASTRA RECOVERY back to verify this debt in writing and I was unable to reach anyone. I have not received any other Mail notifications with a right to dispute from this company. I feel it is unfair to have this negative item on my credit report but I have had only XXXX communication with this agency. I have sent a cease and desist letter to the agency on XX/XX/2022 after trying multiple times to get the collection removed through the credit bureaus but was unsuccessful.
Consumer complaint received 2022-10-01
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. (AZ)

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this accounts from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX OF XXXX XXXX Balance Owed : {$350.00}
Consumer complaint received 2022-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by Portfolio Recovery Associates , LLC. While checking my credit report, it came to my notice that Portfolio Recovery Associates , LLC has furnished an account ( XXXX ) on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ( XXXX ) immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (CA)

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 agency can not furnish an 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 and purpose. 

Reported late as on XX/XX/2021 XX/XX/202XXXX XXXX
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (MD)

State Collection Service, debt collection company, reported {$1600.00} owed on my credit report for  Medical expenses. Date of service XX/XX/16. Original debtor/account was XXXX XXXX XXXX Hospital . 
I received correspondence from other debt collectors on the same account by mail. I paid the full balance owed, on this account, to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. In addition, the amount differed from State Collection Service. 
I called State Collection Service to let them know I paid this debt to another debt collector but they refuse to remove this from all three credit bureaus.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (SD)

On XX/XX/22 I made a payment of {$1900.00}. On XX/XX/22, that payment " cleared '' at FNBO. However, the funds were not released into my available balance. Now my available balance is " overdrawn '', showing that I am over my credit limit when I am very much not. The payment cleared my bank on XX/XX/22. 

This is the 4th time they have held my payment like this. On the 3rd time, after calling my bank to verify that the payment had cleared, they released my funds and stated that it shouldn't happen again. 

When I called last night when I saw that it was being held, I was told that if I called back today, they could contact my bank again and get things released. This afternoon, I called again and spoke with customer service. After being told numerous times that she would be getting a supervisor, she came back on the line and informed me that it's an unusual payment and would be held for 14 days. They " are unable to contact ( my ) bank, and ( I ) was misinformed last night. '' They would not do anything for me, refused to even try to work with me, and were quite rude. 

Large payments are not unusual for me. On XX/XX/22 I made a {$1000.00} payment that was not held. On XX/XX/22 I made a {$500.00} payment that was not held. On XX/XX/22 I made a {$500.00} payment. On XX/XX/22 I made a {$500.00} payment. That's {$2500.00} in payments just this month. Last month was over {$3000.00} in payments. Same for the month before. 

We use this card instead of our debit card for our bank account to accumulate rewards. This is not an unusual practice. I had forgotten to make a payment, so instead of doing XXXX smaller payments I decided to just make XXXX larger payment. Given my payment history, if I had simply made a {$1000.00} payment on the XXXX, then another on the XXXX when the XXXX had cleared, this wouldn't be an issue. But because I made it XXXX large payment, now it's an issue? Why?
Consumer complaint received 2022-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (PA)

Goodleap worked with XXXX XXXX XXXX to sell me a solar panel system for my house in XXXX of XXXX. The promises made to me during the sales pitch was that the solar panel system would pay for itself within 8-10 years. After one year, the calculation of payback is at least 25-30 years and my system is currently not producing power. I am now paying back a loan to Goodleap and paying full electricity bills- completely going against the reason that I purchased the system in the first place. XXXX XXXX has closed down as of the end of XX/XX/XXXX. I have no recourse to get resolution for the false promises made by XXXX XXXX and Goodleap.
Consumer complaint received 2023-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (PA)

I receive periodic promotional ads on my XXXX feed for various products. There was one for XXXX XXXX Flannels to purchase a XXXX flannel baseball jersey. Original retail price of {$210.00}. I was able to save 15 % by allowing text messages from affirm. My new purchase price was {$180.00} and some change. I was offered the option of making 4 installment payments of {$45.00} and some change ; I selected this option ( keep in mind these payments would be taken from a financial institution account of my choice ). This was for 4 installment payments. Of course I was denied. I filed ch XXXX XXXX in 2000 due to the pandemic. I was off work due to being quarantined by my doctor- due to medical reasons. Was confined to my house for about a year, and could not telecommute for work-was not an option with my job at that time. I have been Making my scheduled chapter XXXX payments on time for 2 years now. I also have substantial deposits on hand. Own my home and automobiles free and clear. Making current credit card payments on time. XXXX t well above the minimum monthly payments. And yet I am denied financing {$180.00} for four payments I can easily afford. I have been approved my affirm in the past for a higher $ XXXX ( XXXX XXXX XXXX ). Made all those payments on time. Even financed over {$300.00} before with them. I have been told by affirm I have been denied for for financing before due to their credit modeling. They could give me no plausible explanation. Makes no sense at all.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Problem has to do with JP Morgan Chase Bank and XXXX XXXX  who are both FDIC insured institutions. 

We have a customer, XXXX XXXX Located in MA, who banks at XXXX XXXX. They pay our company via XXXX transfer for services rendered. on XX/XX/XXXX an unknown third party, committed fraud by forging my name ( XXXX XXXX XXXX XXXX XXXX ) on a document, along with an email letter, requesting our customer, XXXX XXXX XXXX change the bank location where those deposits were to be made. They requested the change go to a bank account located at Chase Bank. XXXX did not contact us to verify that the request was a valid request and through their bank, XXXX XXXX, had the funds deposited to the new account at Chase Bank beginning XX/XX/XXXX through XX/XX/XXXX. XXXX deposits in total ( that we are aware of ) for a total of {$13000.00} We were not aware this had happened. In XXXX of XXXX our accounting team began looking at why we were short funds and realized we had not received any deposits from this customer. Once we discovered we were not receiving funds we found out that there was this request, they thought we had sent to them, to redirect the deposits to Chase bank. I spoke to an employee at a local branch here in California, XXXX XXXX who said due to Privacy Policy she could not provide written confirmation that the account at Chase had no connection to our Company, XXXX XXXX, or me, XXXX XXXX, but she did see where the deposits had been made in the name of XXXX XXXX and that the account was not associated with our company or me otherwise as far as she was concerned, the account would belong to the company and she could talk to me about the account. She further advised me that since the account was not an account belonging to XXXX XXXX that our customer, XXXX XXXX, should be able to go to their bank, XXXX  XXXX, and request the funds be returned. We provided this information to XXXX and they then told us they had allegedly made that request and at that point it could take as many as 90 days to get a response back. 

First complaint - I don't believe the funds should ever have been deposited at Chase Bank because the account holder did not match the name on the deposits. Chase should have refused the transactions. 

Second complaint - If XXXX XXXX  had made the request to return the funds, as they say they have done through XXXX XXXX, why after now 240 days plus have we NOT heard anything from our customer or XXXX XXXX  on the status of the payment of those funds. XXXX  Owes us those funds and now late fees and interest as well as fees due to damages for the lack of timely payment for services rendered. We were not aware for 30 days that this request was made via email when the request should have been verified by XXXX and Chase Bank refused the deposit of the funds. XXXX XXXX we are told, is investigating and yet we have heard no updates and we are due the funds for payment of services rendered.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

as my lawful and rightful consumer declaration of recently and currently discovered items with probable fraud that are not certifiably compliant in reporting and/or otherwise appear to be deficient in its reporting status ' as reported when reported. 
Furthermore, this compte rendu serves as my consumer 's rightful demand for a sufficient investigation/reinvestigation into every part of any delinquency and or disparaging data charged of me to ensure the sufficiency of lawful reporting!
Consumer complaint received 2022-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I had a hard inquiry on my credit report via XXXX from : Institution Information KOHLS/CAPONE XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX I tried contacting the insurer of the card which is Capital One. 

They did not find any account opened from that but I would like the inquiry gone. 

They were unable to help with that
Consumer complaint received 2022-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Law Offices of Mitchell D. Bluhm & Associates (CO)

LAW OFFICES MBA - XXXX XXXX is trying to collect a debt that has been written off in a XXXXXXXX XXXX XXXXXXXX bankruptcy. 

The bankruptcy was XXXX on XX/XX/2022. I have disputed the 9 collection accounts they have created, they have removed XXXX and have refused to remove the other. They have been sent copies of the XXXX bankruptcy. 

I have mailed them copies, and I have requested more information. I have not received any reply. 

I have disputed this on my credit report three times, with copies of the bankruptcy. 

This needs to end. I have the right to a FAIR and ACCURATE credit report.
Consumer complaint received 2022-09-30
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. (AL)

n accordance with the Fair Credit Reporting acXXXX XXXX Account number XXXX XXXX XXXX and 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 2022-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (IL)

Tried fixing the issue multiple times with fraudulent Google pay, they have XXXX $ of mine on my balance and after authorization of who I am twice in a Day their attempting to say it's still not me and I won't be able to access my balance
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX i went to the bank and deposited a check into my checking account. On XXXX the bank locked my account. I can understand putting a hold on the amount of the check but i had funds in there before the check. i had my car insurance coming out and i tried to use my debit card and was declined. I called the after hours line and twice they told me i could not have my money until XXXX XXXX XXXX so on XXXX i went to the bank and took him 15 minutes to finally tell me i could have the amount prior to deposit. but i declined that because i figure i might close the account down, but it's upsetting that the money is in my account but refused to help me until i went in person and told them i was going to contact you about the problem and i got laughed at from the manager. i figure it's my money why can't i have it, also on XXXX XXXX my payroll check was deposited and i am not allowed to have it either until XXXX. the bank also took and opted me out of receiving my pay 1 day early because of them locking down my account and wont fix it, so it's time to just close the account. Sad part is i never got a apologize for the inconvenience or getting back my early pay.
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

XX/XX/2022 I inquired at XXXX store about purchasing phone service, the representative obtained my information. I advised I was still shopping n did not purchase a phone at XXXX or any phone service. The representative should have cancel account information obtained. I then decided to go with XXXX XXXX  XXXX. As of today the phone for granddaughter is with XXXX XXXXXXXX XXXX and my cell phone is with XXXX XXXX  XXXX XXXX I have explained several times to XXXX and to collectors to no avail. Even though there is no Phone number attached to account n no activity on account they continue to bill me.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I have corresponded in writing to EXPERIAN 4 times within the last 4 months regarding the successfully disputed removals of the three debt collection companies from my EXPERIAN credit report. I have inquired as to why I have no XXXX score. I have inquired as to why EXPERIAN is not reporting my XXXXXXXX XXXX XXXX  which I have had in good standing for 3 years. I have corresponded to EXPERIAN with these concerns numerous times to no avail. I have inquired as to what procedures etc. EXPERIAN uses to investigate disputes to no avail. I did contact EXPERIAN on XX/XX/2023, and spoke to a XXXX. She claimed point increases depended on certain criteria. but did not clearly elaborate. I disputed the debt collection companies requesting the following : I receive the validation of the " debt '', actual accounting, verification of the " debt '', actual accounting and the contract binding both the debt collection company and myself. All three of these debt collection companies could not furnace this information to me in writing. I received a letter from XXXX of the debt collection companies advising me of the removals from my credit files and the third never corresponded but was removed as well.
Consumer complaint received 2022-09-30
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: SANTANDER HOLDINGS USA, INC. (NV)

BEFORE COVID 19 I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM OF IDENTITY THEFT IN WHICH SANTANDER CONSUMER U XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX REPORTING A NEGATIVE BALANCE OF {$22000.00} AUTO LOAN THAT IS NOT ME AND THE XXXX DATA BREACH ALSO CONFIRMED I WAS VICTIMIZED. AND TO FILE A CLAIM, US DEPT. OF EDUCATION HAS A SCHOOL LOAN THAT DOES NOT BELONG TO ME WITH A BALANCE OF {$12000.00} XXXX XXXX XXXX  IS REPORTING A BALANCE OF {$460.00} THAT DOES NOT BELONG TO ME. 

PER TITLE 15 SUBSECTION 1628 A THROUGH Z FCRA I AM A VICTIM OF IDENTITY THEFT AND TO PLEASE REMOVE THESE NEGATIVE ITEMS AND INQUIRIES BECAUSE MY CREDIT REPUTATION HAS BEEN DAMAGED AND CAUSING ME GRIEF TO NOT BE ABLE TO OBTAIN ANY FORM OF CREDIT IN MY NAME.