davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XX/XX/2022.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

USAA is actively harassing me. I received a phone call on XX/XX/2022 from a " XXXX XXXX XXXX informed me that they have not " changed their position '' from a disputed transaction that I submitted months ago. This phone call was unsolicited and served absolutely no legitimate purpose. Prior to this phone call, I explicitly told USAA to never directly contact me again for similar related harassment concerns. I am being repeatedly harassed after having informed them I do not want to be contacted under any circumstance. 

To further clarify, this complaint is not about a credit card dispute I've attempted to resolve with USAA within the last XXXX months. This is a new complaint that specifically identifies ongoing harassment from USAA employees to myself. I state this because despite my various other complaints submitted that addressed a variety of ranging issues, I continuously received the exact same copy/paste response to all of them that did not address any of the new points within those concerns.
Consumer complaint received 2022-12-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On Friday XX/XX/XXXX, my bank account at Huntington Bank had an overdraft of {$4700.00}, and the account was frozen. This was due to a court order. On Monday XXXX XXXX, I attended the court hearing, and the case was dismissed. This is due to no income or assets. The judge ordered my bank account to be unfrozen. 
I understand this takes time. I went to the courthouse on Friday, XXXX, in order to get a certified and sealed copy of the order. I then brought it to the bank and submitted it with the understanding it was being sent to the legal department. On Monday when nothing was done right away, I contacted the bank again. I called the local bank at XXXX XXXX XXXX, XXXX XXXX Il. They assured me that the account would be taken off the hold and funds would be there in the morning. On Tuesday the situation remained. I contacted the XXXX number for the bank. They gave me a number to call. I called it and it was the original creditor. They can't help me ; it is the bank not them, and it is a process. I though she sent me to another department of the bank! I again contacted the bank and demanded to speak with the legal department. I spoke with XXXX in the legal department. I told her this was causing me great harm. She assured me she was on it! After XXXX hours she calls me back and tells me they never got the copy from the local bank. I offered to bring it to the bank. I did, and again the bank emailed the order from the court to the legal department. The person at the bank said it would take minutes and I would have my account back. Today is Wednesday, still no change. I called XXXX, she said it is submitted and she will call me. 
Here is the problem. As the court papers will show I have NO income. The ONLY money I have is my social security. And while I understand freezing someone's bank account through a court order is legal, withholding social security is not. It is a federally protected program. The bank knows this, the court recognizes it, yet I am unable to access the only income I have in the world. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is all happening to me because the bank will not release my federally protected funds. My constitutional rights have been violated since XX/XX/2022, when the social security funds hit my account and the bank withheld the funds from me. 
This needs to go to federal court to stop the banks from doing this to people.
Consumer complaint received 2023-01-25
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. (FL)

This is my 3rd request. I don't understand how credit reporting agency can use stall tactics to hurt the consumer. / my credit is being ruined, im being denied and on the verge of homelessness
Consumer complaint received 2022-12-21
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. (TX)

On XX/XX/2022 my email was hacked and my credit report was hacked. Although I am a XXXX  XXXX account holder a fraudulent inquiry was made on XXXXXXXX XXXX XXXX I did NOT authorize this inquiry. The inquiry is fraudulent and XXXX XXXX has promised on several occasions to remove the XX/XX/2022 inquiry but have failed to do so. The XXXX inquiry is fraudulent and violates the FCRA. The credit reporting agencies have refused to remove the inquiry as well.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (TX)

On XX/XX/2022 my email was hacked and my credit report was hacked. Although I am a XXXX XXXXXXXX account holder a fraudulent inquiry was made on XXXX of 2022, I did NOT authorize this inquiry. The inquiry is fraudulent and XXXX XXXX has promised on several occasions to remove the XX/XX/2022 inquiry but have failed to do so. The XXXX inquiry is fraudulent and violates the FCRA. The credit reporting agencies have refused to remove the inquiry as well.
Consumer complaint received 2022-12-21
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: DISCOVER BANK (GA)

I have a dispute currently, that I could barley submit with discover because of such a difficult time with the methods that they prescribed and the lack of availability of said methods to effectively communicate to them. After I was finally able, by other means, to notify them in writing because the phone conversations went nowhere and false and inaccurate information was provided to me on numerous occasions. The attached files are evidence to show that they falsely claimed to have resolved the issue even though they have yet to even respond to the dispute via the CFPB portal. I did receive mail, see attached, yesterday XX/XX/XXXX the letter was dated XX/XX/XXXX about how they are required to report accurate information to the cra 's and they must report as disputed unless I advise them to remove the dispute status. However, its clear there has been no resolution, in spite of what is reporting on only the XXXX report. The other agencies make no mention of any dispute at all.
Consumer complaint received 2022-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

in XXXXXXXX XXXX XXXX I was put in collections for a utilities bill of {$100.00} from XXXX XXXX in XXXX Tx. This was not from my house nor from my city. I called the agency and spoke to them about the fraud they asked me to make a police report and after talking with XXXX it was taken off of my credit report. now months later another collection agency mercantile adjustment bureau is claiming I owe the same amount {$100.00} from XXXX XXXX in XXXX Tx. the police case number is XXXX and I spoke with XXXX again and they said they would dispute it.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-11-22
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. (FL)

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. These recent inquires are not me nor are they tied to any accounts on my credit reports.
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

I received a mail on XX/XX/23 about a past due amount of XXXX to XXXX XXXX XXXX, after calling the debt collector online information services it was found that this account was fraudulent as the service address is not an address I have ever been associated with. 
I then called XXXX XXXX XXXX, and stayed the same to them. the customer service agent then directed me to fill out this report.
Consumer complaint received 2022-12-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

Despite numerous attempts to contact the company in both writing and via telephone customer service, Ace Cash Express has REFUSED to allow me to enter into the required XXXX grace period the State of Florida requires for payday lenders to provide. Ace Cash Express has claimed ignorance of this requirement in Florida and instead of offering any assistance in postponing payment while I attempt to follow Florida law with credit counseling, Ace Cash Express cancelled the loan to attempt to force a full payment through my account. 

Ace Cash Express was notified on XX/XX/2022 that XXXX access to my account was revoked, and they have still made numerous attempts to remove funds from my account. Ace Cash Express is in violation of Florida law, specifically, XXXX XXXX. XXXX. XXXX, which dictates the grace period requirement for Payday loans.
Consumer complaint received 2022-12-21
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: SYNCHRONY FINANCIAL (TX)

This letter is a formal complaint against SYNCB XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for me.
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 the original creditor sent a letter stating they are not actively collecting the debt. Someone other than listed collector now owned the account, and that they were not collecting on the debt. On XX/XX/2022 the original creditor sent a letter stating the statute of limitations has passed, and again stated they were not collecting the debt. They did however ask me to send them money. They also said they were putting a statement on my credit report. I am against any statement on my credit report from entities with conflicting reporting practices. It's past the statute of limitations as they have acknowledged. Social Security income is exempt anyway. Account should be closed like the other Citibank account. 

On XX/XX/2022 collection agency told the CFPB they have " closed the account and removed any associated credit reporting tradelines '' but they did not as of XX/XX/2022. 
15 U.S.C. section 1692 ( e ) of the Fair Debt Collection Practices Act states the threat to collect a debt you have no intentions to collect is a violation. Close and remove tradeline as stated.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (CA)

BARCLAYS Creditcard, Application XXXX for an XXXX XXXX XXXX XXXX, from XXXX. My Credit score at all 3 Credit Bureaus is between XXXX and XXXX. 
Barclays get the information about my identity from all major credit bureaus. Even that Barclays ask my to SEND (! ) by mail highly private and sensitive Documents ( see attached copy of the Barclays letter ) AFTER Barclays pulled my credit reports, which lowered my credit score! If BARCLAYS don't trust the information from the credit bureaus the should ask me BEFORE the ask the CR Bureaus for my scores! BARCLAYS damaged my Creditworthiness and thus damaged my reputation. This is the reason why I ask for a compensation. My attorney says I can do this!
Consumer complaint received 2022-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I have federal student loans and should qualify for public service loan forgiveness. My loans were serviced by XXXX and I applied in XX/XX/XXXX and certified 24 years of public service ( yes more than just since XXXX ) after finding out that years of yearly certification forms that I faxed to XXXX were not documented. 

My last PSLF update count was this spring at XXXX. With the announcement that there will be a one-time forbearance count added ( if more than 12 consecutive months or 36 months total ), I should be well over the 120 months. I understand that there were some adjustments last XXXX and the adjustments restarted in XXXX. 

My loans are now with Mohela. My complaint is that each time I call to speak with a representative about my forbearance counts being applied, I get a different answer- ranging from forbearances wont be counted or counts wont be done until XXXX ( which is incorrect because a multitude of others in a similar situation have had theirs applied and are now loan free ). I filed a complaint with XXXX XXXX XXXX on XX/XX/XXXX. I was supposed to get a response within 15 days but still have received nothing and it is XXXX. 

Due to the transparency of the large social media groups regarding PSLF, there appears to be disparate treatment of loan holders- no transparent system or order to forgiveness. I can not get any answers on what if anything additional I must do. It is frustrating as I see others who applied for PSLF almost a year after I did have their forbearance months applied and now have forgiveness.
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/2022 at XXXX I made a {$200.00} cash payment on my XXXX  XXXX credit card issued by comenity Bank , inside the XXXX  XXXX store located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX. In XXXX I realized the {$200.00} was not applied to my card. I contacted comenity Bank and gave them the information off of the receipt. I was told it would take up to 90 days. I was sent a letter saying if they needed additional information they would contact me. After 90 days comenity bank sent a letter saying they were closing the case due to lack of information. I emailed and sent a copy of the receipt from the store showing the {$200.00} payment. It's been 6 months since first contacting them and today I got another letter stating that it may take up to 90 days to complete the investigation and if they need more info they will contact me. I've been getting charged interest on this {$200.00} that I paid 6 months ago and they are not applying the payment to my card
Consumer complaint received 2016-12-20
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

I have been doing business with Western Union for more than ten years and on the XXXX of XXXX 2016, I received a shocking news of my life. I sent money to my cousin in XXXX with an agent in my neighborhood at about XXXX. I was told by the cashier that she will put it on hold because I need to call this number XXXX to answer questions from Western Union customer service. When I got home at about XXXX I called the number from my home phone and answered few questions, the customer service representative assured me that she was going to release the money. I called my cousin at about XXXX Eastern Time and XXXX XXXX time to give her the TRACKING NUMBER. At about XXXX I had a call from my cousin, she was at the bank and the Bank said the money has not been released and the tracking number is not available. I immediately went over the tracking number with her and it was correct, I then called Western Union, the customer service representative told me that it has been picked up by the receiver. Western Union gave me the pick up time at XXXX ( XXXX Time ) a city in XXXX I said I am on the phone with my cousin the receiver, she was told the money has not been released and the tracking number is not available. I was devastated as well as furious. I have been given the run around, various representatives told me the case is being investigated and will call me from 24 to 48 hours Now the investigation is going to take 90 days. No one has called me, I have called more than eight times and spoke to representatives from all over the world. 
I need my money as soon as possible, I am a valuable customer for all these years. This is not a credible business practice, I am supposed to get my money back and not wait after an investigation, because proper protocol was not followed. No one knew the tracking number only Western Union, my cousin and myself, meanwhile both of us do not have the money. So if the money was picked up before the receiver got to the bank whose fault is it. I need answers as to what happened to the money and want my money back. 
On the XXXX day I called Western Union and I was told the case is closed, because picked up the money. I told them that is not possible and I need proof. I have spoken to three different people the latest person was on XXXX XXXX. This representative told me to go to the local precinct and obtain a subpoena and submit it to someone at the Western Union office. When I went to the precinct and told them my issue the detective told me they do not handle such cases. I tried to call the number that was given to me to submit the subpoena to ask questions. When I called the phone number, I had a recorded message asking for the XXXX digit extension, but I was only given XXXX digits. There so many inconsistencies and i just want my money back.
Consumer complaint received 2023-03-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (TX)

I applied for the loan, got multiple loan offer, but never spoke to anyone to discuss the terms. I did speak with another loan company and completed the process. The money from Minto Money was deposited into my account and the payment came out. I went to review the terms and was shocked at the interest rate. 

ANNUAL PERCENTAGE RATE 752.28 % The cost of your credit as a yearly rate. 
FINANCE CHARGE XXXX The dollar amount the credit will cost you. 
Amount Financed XXXX The amount of credit provided to you or on your behalf. 
Total of Payments XXXX The amount you will have paid after you have made all payments as scheduled.
Consumer complaint received 2022-12-21
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. (MA)

My name is XXXX XXXX. In XXXX, my Identity has been stolen, so the same XXXX  people used my information and opened many accounts at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Macys credit card XXXX XXXX Massachusetts. l got those bills in XXXX. I reported to the local police department and the Identity XXXX. I reported the fraud claim to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX verified my pieces of information and were settled and solved. For the Macys credit card ( XXXX ), the total amount is {$20000.00}. l claimed on the phone in the middle of XXXX. I got a letter from Macys responded in XXXX, said that they need investigation for this case without asking any identifications, personal information. 
In XX/XX/XXXX. I got the letter from Macys credit card company, it said that we have determined that l am responsible for the charges in question from the completed investigation. How could Macys credit company without requiring any informations from me and determining l need to responsible the bills. Please help me to solve this issue.
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

The company MIDLAND CREDIT XXXXXXXX reported to XXXX XXXX and XXXX that I owe them the amount of {$3300.00}, which is false, I do not accept that debt and information that they tell the bureaus, harming my credit information and violating the FCRA credit reporting law. fair credits because they do not have any written or verbal documentation signed by me, I do not know who this company is that is violating the law because it does not demonstrate with evidence that I have a contract with them, in addition to harming me with the credit bureaus for For this reason, I request that if in 30 days they do not show documents that certify that I signed them, it be immediately deleted from the XXXX XXXX and XXXX XXXX.