davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prosper Marketplace, Inc. (MD)

I got a loan from a company called prosper. I got approved on line for the amount of {$10000.00} they charge me {$500.00} fee for the application fee they send the money in 5 days. I had to make a payment of {$430.00} for the next 36 months. I realize they are charging me over 30 % to 35 % in interest so I sign up with debt consolidation name XXXX XXXX XXXX XXXX hoping they can negotiate on my behalf prosper refuse to bring my rate down and they said they dont work with debt consolidation company and I have no choice but to pay the % 35 rate. They have also ruin my credit report and put on delinquent account. They never send a monthly statement I didnt know how much interest they were charging I was under impression that it was 11.99 percent. I am trying to find out what is the maximum interest they can charge me. I know the state of Maryland is 29.99 % the company address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My account number with them is XXXX.
Consumer complaint received 2018-01-18
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. (TX)

Early last month I sent Experian a certified letter informing them of the inaccuracy on my report, namely inquiries, to date Experian has done nothing to correct this non sense that shows on my report. 
They could n't be doing an honest investigation because if they were they would see that I have not given anyone listed on those hard inquiries permission to check into my credit report for any reason. Further, they have no proof, no contact info, no contract, no signature proving anything, yet they continue in their inaccurate reporting. 
If they do not remove these inaccuracies from my report I will have to ask you ( CFPB ) to fine them for their non compliance of the FCRA, I will further file a complaint with the FTC, the attorney general 's office as well as the BBB.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2018-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Worldwide Processing Group, LLC (IN)

XXXX XXXX XXXX called a family member attempting to contact me regarding a a supposed debt which has been settled well over 10 years ago. This company scared my mother in law who happens to live close to me who frantically brought me the contact information. She is old and had no idea what was going on. 
I have not received a notice whatsoever regarding this company nor any correspondence whatsoever only this phone call. I told them not to call my family again. They claim to represent XXXX. 
I also filed a lawsuit against this company they claim to represent for making several violations according to the CFPB. XXXX XXXX XXXX has a BBB rating of F and has so many complaints against them currently its scary. 
I have zero information other than a phone number of XXXX and a person named XXXX. 
Long gone are the days of scare tactics, threats, and insinuations to others to scare information from someone to collect a debt. This company is in violation of every debt collection practice law its unbelievable.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing you because one or both of these items showed up on my credit report and they do not belong to me and are fraud and would like them removed at once. This has been an ongoing problem as I am a victim of identity thieft so please remove these items because they do not belong to me. I have attached lastest police reports to support. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} is fraudulent and does not belong to me please remove. 
Company is called XXXX XXXX XXXX XXXX XXXX amount claimed owed {$1300.00} this is also fraudulent and does not belong to me please remove. 
XXXX XXXX XXXX and they claim I owe {$1700.00} this account is also fraud and does not belong to me please remove.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

Hi I have the us bank ReliaCard for Pennsylvania for unemployment and they have locked my account with my money on it and are not releasing my funds for me to use the card I have sent in ID verification and piece of mail proving it is me I can not pay my bills or anything cause they keep telling me to wait until they have processed my documents Im getting very upset that my unemployment benefits after everything I have send still wont unlock or free my account so I can use my card.
Consumer complaint received 2017-03-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KAHRS LAW OFFICES, PA (KS)

I disputed the claimed debt of {$1100.00} to Kahrs Law Offices, P.A. on XX/XX/XXXX by informing them that I do n't owe this money. On XX/XX/XXXX, they sent verification claiming that it is valid debt that is past due ; however, this is a time-barred debt because written contracts in the state of KS is five years, and with XXXX, this goes back to XX/XX/XXXX. In other words, this exceeds the statute of limitations for the state of KS ; therefore, I do n't owe this money they are claiming, and I want all collection practices to stop.
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2018-01-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Home Credit Corp. Inc. (NC)

Home credit still making me responsible for this debt.. I had made a payment arrangement with them and they took my money.. a week later the vechicle was repossessed without even contacting me they are still reporting bad information on my credit report as if I still owed them that amount ... my ex wife had fraudulent put that auto loan in my name.. and because it was on my credit report I had no other choice but to make payments.. I filed a police report that this bad debt shouldve removed of my credit report ...
Consumer complaint received 2018-01-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (IA)

Dear Sir/Madam, I was approved for a loan from big picture loan of {$400.00} on XX/XX/XXXX with interest rate of XXXX and I have agreed to pay the amount automatically from my checking account. However, I did not know the interest rate and past due fees will keep following me until this day. I have paid over {$1000.00} and I have called a couple of times to arrange payment plans but each time I face difficulty paying the amount as you can see it in my attached documents. Every time there is a reminder and late fees. I 've paid the loan back with a double amount and now I am searching for a help to stop paying the remaining amount which is {$620.00}. In addition, I have checked my payment information online on XX/XX/XXXX and as per the attachment, no information revealed, everything is unavailable and I am afraid that they will keep charging me even if I paid off the amount which ca n't be happened now or even later. I am requesting to review the legal agreements to see the consequences if not paying back and I could n't find a better way than contacting you. I have a full-time job and I am trying so hard to pay my bills, but this loan is affecting my financial status terribly. Therefore, I can not pay anymore and I want the electronic detection from my account to stop. 


Thanks,
Consumer complaint received 2018-01-17
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. (SC)

Equifax continues to report fraudulent information on my credit report even after i have taken all the necessary steps to rectify and correct the problem. XXXX, XXXX, and XXXX XXXX are accounts that were open in my name apparently by a relative who used my information without my consent. I 've been aware of fraud since XXXX when my purse was stolen. Every since then from time to time accounts pop up n my credit that I unaware of. XXXX and XXXX have removed all fraudulent accounts but not Equifax. Besides the fact that their website has been hack too many times one could not easily not trust them with vital information being stored safely and be reported correctly, I see their action as negligent and a violation of my consumer rights as a identity theft victim. Fraud does n't mean an account does not exist it simply means an account was open by someone pretending to be the victim. They do n't seem compassionate and have shown that they want to keep this on my credit file even though I have an official police report as well as a identity theft report from the FTC. I appreciate the other 2 bureaus for being professional, ethical, and fair. its my hopes that this complaint will alarm other consumer agencies to investigate their unethical practices. I 'm suffering damages because of their negligence and desire that they follow the same guidelines as XXXX and XXXX. I 've literally done everything but file a lawsuit when that should n't even be considered.
Consumer complaint received 2018-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. THE CREDIT BUREAU DISMISSED MY COMPLAINT AND INSTRUCTED ME TO CONTACT THE COMPANIES. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 1. XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I 've tried to dispute online and over the phone and still no help in getting this issue resolved. There are 2 XXXX accounts and XXXX XXXX XXXX XXXX. There reporting as installment accounts and past due. Collection agencies ca n't report The type of account are listed as installment. Please remove this incorrect information. Are not a creditor and I have never entered an installment account or agreement with the company. 
The account status is shown as Past Due. Please delete this incorrect information. not a creditor, you can not report an account as past due or current. The XXXX XXXX XXXX XXXX has most recently reported is {$3500.00} and listed this account as 120 days past due. Please remove this incorrect information. There is no payment history to report as XXXX XXXX XXXX XXXX is not a creditor.Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with them they are not a creditor. The Payment status is listed incorrectly as past due date as of XXXX2017. Please remove this incorrect information. I have no terms or installment agreement with them not a creditor. Enclosed will be a sample of how Equifax says accounts should be listed and mine is incorrect.
Consumer complaint received 2018-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo had taken the payments I made using their online Bill Payment system and duplicated the payments. When I viewed my account it now showed me as overdrawn because their system showed double the money taken out due to the duplication. The bank did not advise me this was occurring. I did not find out until I went to pay for my dinner and the waitress advised my card has been declined. 

I called into Wells Fargo and had to spend two hours on hold for them to advise me they had a " Glitch '' and it would correct itself by XXXX. 

I was financially harmed as I had to charge my dinner onto a credit card ( paying interest ) to cover my dinner. Money that should have been available to me for use.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a fraud claim with Bank of America pre paid for XXXX $ within the time limit someone stole my money I waiting 20days they havent got back to me told me my claim was denied for no reason and keep hanging up on my I got evicted due to this my kids cant eat now and Im in the street during covid 19 due to these XXXX XXXX
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (PA)

I reached out to COMENITY BANK/VCTRSSEC manytimes to fix this " mistake '' made by their company i have yet to get a response. This is stopping me from getting the house that i want. They are reporting late payment on my credit profile that never happened at all.
Consumer complaint received 2023-07-03
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. (TX)

I hereby present the findings of my investigation. Upon careful scrutiny, I have observed that certain accounts have obtained verification. Nonetheless, I would like to raise a few inquiries with regards to the methodology employed in conducting this investigation. Were my neighbors, acquaintances, and relatives consulted during this process? If indeed such interactions occurred, kindly furnish me with the identity of the individual responsible for overseeing said investigation. Additionally, I must bring to your attention the observation I made whilst perusing the Fair Credit Reporting Act ( FCRA ). It has come to my attention that you have violated the stipulations outlined within the following sections : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, being a consumer and an individual endowed with a sound education, am cognizant of the complete gamut of rights bestowed upon me and safeguarded by the United States Congress within the purview of the Fair Credit Reporting Act ( FCRA ). In light of this knowledge, I assert that the enumerated list of accounts presented below has violated my constitutionally safeguarded consumer rights pertaining to privacy and confidentiality, as enshrined within 15 USC 1681.

1. Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. XXXX and Equifax Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. XXXX Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. XXXX Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation
Consumer complaint received 2018-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

On XX/XX/XXXX I gave Onemain financial permission to draw {$90.00} from my debit card on XX/XX/XXXX On XX/XX/XXXX I changed that amount to {$180.00} the same way the same day. 
On XX/XX/XXXX they try to make an Ach transaction from my account, which I had thought they did as a debit on XX/XX/XXXX as we agreed. So this was against my approved day and in an unauthorized way. They offered to review my incurred bank fees and MAYBE reimburse me those. They wanted nothing omitted. That was enough to make me unwilling to share my banking info any further with them. I had to place a stop payment on the account and was charge numerous overdraft fees. I can no longer pay them from the account so I have to buy money orders and mail them. Now they say they havent gotten the money order yet.
Consumer complaint received 2023-07-02
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)

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Regrettably, Equifax has not responded to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act.

Upon careful review of my credit report, I have identified several instances of inaccurate information that require immediate correction. The following are the details of the inaccurate information and the required corrections : 1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-30
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: CL Holdings LLC (CA)

XXXX XXXX is reporting closed and paid accounts as still open. This is still having a negative effect on credit score. They are using too many accounts with balances that are paid off and closed to deny credit. Derogatory public records or collections filed. Too many accounts with balances. Proportion of loan balance to loan is too high. After reviewing my credit report I noticed several errors. XXXX XXXX is reporting all accounts including loans paid off and no longer active as total dept and balances. They are reporting to lenders that I have to many derogatory comments and collections. The credit reports show only 2 collections filled against my report. One for {$180.00} and one for {$780.00}. They are reporting too many accounts with balances. That is because they are not telling lenders accounts that are closed and paid in full as open accounts with balances. They a reporting the wrong income to ration ratio on credit report.
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Resurgent Capital Services XXXX XXXX XXXX, MI XXXX This company put a collection on my credit report without informing me that they had a collection against me. This company claims, incorrectly and fraudulently, that I owe for two accounts that I have never heard of before. 

Original Creditor : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX Reference ID : XXXX Balance : {$550.00} Original Creditor : XXXX XXXX  Current Owner : XXXX XXXX XXXX Reference ID : XXXX Balance : {$810.00}