davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

I want to file an complaint. I had borrowed an installment loan from Advance America in XXXX, Texas. I cant remember the exact date. I remember requesting to revoke ACH authorization from my bank account. As of XX/XX/2020, Advance America had taken money from my bank account without my permission. If you can look into this matter, I would be greatly appreciated.
Consumer complaint received 2020-04-09
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)

I have check my credit. I notice Accounts that I did not Authorize, how this happen I cant understand how Can Companies Allow. What happen to Verifying and do diligence. however I did not give any consent to have these Accounts open theses Account are not Valid and I want them removed of my credit
Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

Payoff payment was incorrectly applied to multiple loans rather than being applied to a single loan for payoff. I contacted AES about the incorrect payment application and they responded that it would take 7-10 days to correct the misapplied payment. After 10 days the payment was still not correctly applied and the loan, which should have been closed at this point, was still open with a balance and continued reflecting on my cosigner 's credit report and my credit report. This was after multiple phone calls during the 10 day period in which they assured me the payment would be properly applied. On my most recent call the original representative would not transfer me to a supervisor. After being transferred to another representative and waiting, I was finally transferred to a supervisor. The supervisor informed me that it was not possible for them to immediately apply the payment. AES was not able to correct the misapplied payment and the loan is still showing as outstanding, affecting both mine and my cosigner 's credit report and score.
Consumer complaint received 2015-12-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

I have been battling with AES since XX/XX/XXXX. I informed them that due to the lack of hours at my current employer, I could no longer afford to pay {$710.00} per month and I was currently in the process of obtaining a XXXX job. I even offered an amount of roughly half the monthly amount ( which would be extremely pushing my monthly budget ). Most recently I have sent multiple letters to AES and their XXXX party collection group XXXX XXXX, requesting that they send the original copies of all documents proving that this " debt '' is valid. The only responces I have received from AES is the current balances on each of the individual XXXX loans. AES continues to harrass myself and the co-signer which happens to be my retired father. I have tried working out a reasonable solution with AES which they refuse to budge because it is considered " private student loan ''. Per their records, I have paid {$34000.00} ( {$23000.00} in interest, {$10000.00} in principle and {$10.00} in late fees ) since I have been in repayment. How is that possible when the original amount on these alleged loans is {$62000.00} but the current balance is {$81000.00}? AES yet again fails to provide any copies of documentation from the years XX/XX/XXXX-XX/XX/XXXX that shows any signatures from myself and/or co-signer validating the alleged XXXX loans. However, they continue to send emails stating pay now or your credit rating will be affected or place calls to my contact number on Saturdays and Sundays when their office is closed ( business hours are XXXX XXXX through XXXX XXXX Monday through Friday EST, per their emails/letters ). At this point I am considering filing Bankruptcy due to the lack of relief from the alleged loans.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I bought a car from XXXX XXXX, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from XXXX XXXXXXXX to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the account.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I under federal law acknowledges that it is ( I ) the name under which this complaint is being submitted. Not any form of credit repair entity or company. 

Account under the name : XXXX XXXX XXXX  XXXX  currently on my Experian credit report with multiple inaccurate, misleading, & Unverifiable information. 

Last month I specifically asked Experian to delete ( XXXX XXXX XXXX  XXXX  ) Reason ; account does not report balance. Violation of FCRA rules section 1681. 

Reason ; account does not report accurate date of last payment. A violation of FCRA rules section 1681.

Reason ; Account doesn't report name and address of original creditor. A violation of FCRA rules section 1681.
Consumer complaint received 2024-06-07
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Payfare International Inc. (GA)

THIS IS RELATED TO XXXXXXXX XXXX  PAYFARE AND XXXX DASHER DIRECT CARD. 

MY FRAUD CLAIM WAS MISHANDLED AND MY FUNDS NOT RETURNED BACK TO MY ACCOUNT. RUDE INCOMPETENT OFFSHORE AGENTS
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (NC)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

My Experian credit report dated XX/XX/2023 shows XXXX XXXX XXXX as verified. I don't know how they could have investigated, reinvestigated and then verified the account when I have a letter from XXXX dated XX/XX/2023 that states they closed my account and ceased collections, I have no further obligation regarding the account. The original creditor was XXXX Bank. The accounts have both been deleted from the identity theft I had happen. It is against the FCRA for a credit reporting agency to have inaccuracies on my credit report. This is wrong to report that an account is verified and accurate when indeed it wasn't. See attached letter from XXXX XXXX XXXX
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Delta Outsource Group, Inc. (MS)

The collectors refuse to remove account from my credit report. The amount of {$300.00} dollars owed to XXXX  XXXX XXXX  for the {$300.00} dollar line of credit was paid in full to XXXX XXXX ( name of creditor on credit report at the time of payment ) who sold information to XXXX XXXX ( who is now appearing as creditor on credit report ). I could not pay XXXX  XXXX ( original debtor ) directly because the account and personal information was sold to XXXX, to XXXX XXXX, back to XXXX XXXX, to XXXX XXXX and now Delta Outsource Group ( as of XX/XX/2020 ). XXXX is notorious for false collection practices like sending court documents to previous addresses so the DEFENDANT IS A NO SHOW IN COURT AND THEY VIOLATE THE STATUTE OF LIMITATIONS LAW. XXXX and XXXX XXXX are the only creditors currently showing negative on my credit report.
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I fell a victim to an online scam. I applied for a job with a non-profit organization through XXXX. The company reached out to me for an " on-line job interview. '' After interviewing, which had seemed legit at the time, I received a job offer the next day from the company 's email address directly. I signed it back, informed the " interviewer '' that I sent over the signed letter. One thing they had stated was that they would send me a " start-up check '' of an amount : {$2400.00} to purchase start-up equipment. This was supposed to be a work from home opportunity. I had never received an on-line check before, so I called the bank it was issued from to confirm it was a valid check and safe to use. They were able to confirm that it was a real account and seemed accurate. I went ahead and deposited it. After receiving strange requests from the " interviewer '', who would have also been my " supervisor to report to, '' I felt odd. This person was telling me things such as to go to an ATM machine and withdraw money that they wanted me to put into a bitcoin account via a XXXX ATM. I called Chase bank right away to inform them that something strange was happening. I wanted them to cancel the check I had deposited, however, I was told they were not able to do that. They instead advised I go into a bank to close the current account to protect my money. I did. The banker created a replacement account for me. A day later I tried to make a purchase because I thought everything was fine. The purchase was declined. I called Chase only for them to tell me that my accounts were being closed and that they can not bank with me in the future. They are not giving me any reason, explanation, and claim that they do not have any records of me creating this new account because it was a replacement so it shows as if it were opened years ago with the rest of them. They have not at all been helpful. I called the Federal Trade Commission to inform them of all parties involved in the scam. If needed, the reference number is XXXX XXXX XXXX. I am very worried this will affect my ability to bank with another party. Please advise. I am at a total loss and I am worried, angry, and upset. 

I also reached out to the organization that " hired me '' on their XXXX page. They informed that it was a scammer that they were trying to stop. I sent them every screenshot, email address, and the image of the check that was sent to me. I am not sure if those would be helpful to you, but please let me know if it is needed. I would be happy to provide all proof.
Consumer complaint received 2020-06-12
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$870.00} XXXX {$760.00} XXXX {$6600.00} XXXX XXXX XXXX {$170.00} XXXX  XXXX {$15000.00} XXXX {$13000.00} US DEP EDXXXX {$6600.00} XXXX {$760.00} XXXX {$5200.00} XXXX {$18000.00} XXXX {$2200.00} XXXX {$420.00} XXXX {$28000.00} CHAPTERXXXX BANKRUPTCU DISCHARGEDXXXX {$0.00}
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JP Jensen Collections, LLC (OH)

XXXX XXXX XXXX XXXX XXXXDebt Collector ( XXXX XXXX XXXX, located in state of Maryland XXXX is suing me for a debt that is 15 plus years old. 

In XXXX I discovered that XXXX XXXX had not billed my medical bill to my health insurance carrier, XXXX XXXX XXXX XXXX. In XXXX, I spoke with a XXXX XXXX Representatives, multiple times, and I was told that they would submit my claims to my health insurance carrier. On XX/XX/XXXX, I received from XXXX XXXX of Maryland, a 'request for writ of garnishment of property other than wages ', signed by XXXX XXXX XXXX Legal Assistant and a second signature from a Clerk of Court ( name unknown ). The State of Maryland /debt collection Statue of Limitation is 3 years. And time barred is 6 years. And this time barred debt is appearing in my credit reports for more than 7 years. Per Maryland XXXX XXXX the start date of this debt is XX/XX/XXXX- we're in year XXXX which makes this debt 15 plus years old. The document is not signed by a Judge. It was signed by a legal assistant and a clerk of court. The debt collector attempted to mislead me that a 15 year old debt is still legally recoverable, and has continued to threatened me even through cash app. They are abusive and deceptive.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

0n XX/XX/2020 I had a Bank Account with JP CHASE MORGAN on Friday which was XX/XX/2020 I received a deposit from the Georgia Department of Labor for my Unemployment including all my back pay from now back til XXXX which was about XXXX and for no apparent reason Chase decided to freeze my bank account and close it and hold my money for no reason at all there havent been any problems with my account since I got it! ... This is the worst bank ever and this morning when I checked my account now its a negative XXXX balance because they decided to close my account and they still allowed me to draw a XXXX a day out the bank I had over XXXX in that account so where is all my money where did they send it back too! .My deposit included a deposit of {$140.00} ..19 times and XXXX 17 times which equals about XXXX they clearly seen the money came from the Georgia Department of Labor addressed to me in my whole name and they still closed my account for no good reason!
Consumer complaint received 2020-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ProCollect, Inc. (LA)

I called to make a settlement of 50 % of the account and they refused to take the 50 %. I was then screamed and yelled at about not having money to pay for something she thought was " reasonable ''. She then proceeded to hang up in my face and refuse to answer the phone for me to make the debt. I tried explaining to her my position and she continued to bagger me about me and demean my character. Very unprofessional, very nasty and rude! Never sent any settlement information for the settlement that was discussed " XXXX $ '' trying to hassle more money out of me than that apartment is worth. XXXX plus dollars! They keep saying the offer still stands for 48 hours, and then the next offer they give is the same amount, after the 48 hours. But they don't want to give me my original quote!
Consumer complaint received 2020-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OH)

Phoenix Financial Services entered an erroneous collection on my Credit Report on XX/XX/XXXX. I believe this was an old medical bill for my son from XXXX. It was incorrectly submitted to insurance company for procedure not performed. This matter was resolved by the original creditor back in XXXX. 
I contacted Phoenix by mail on XX/XX/XXXX. I emailed Phoenix on XX/XX/XXXX. I filed a claim with the Indiana XXXX on XX/XX/XXXX. Phoenix responded " A verification of debt was requested and will be mailed to consumers verified address once it has been received. '' I have not received any correspondence from Phoenix, written or via email. 
Attempted to file a dispute with XXXX but there is a glitch with their online dispute program and I repeatedly get an error message. 
I would like this collection removed from my credit report.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

During the year of XXXX, I was a Junior in College and fell in hard times, and with school work and being a full-time college student I got behind of bills and paid the months of XX/XX/XXXX and XX/XX/XXXX late which might have been a little over 30 days with Capital One. I had been a good member with them since XXXX and have never been late since then up now in XXXX.
Consumer complaint received 2020-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (CA)

I have a collection account on my credit report which originated from XXXX for {$370.00} from Amsher Collection Services in Alabama. In XX/XX/XXXX I looked into switching my cell phone service from XXXX  XXXX to XXXX. Prior to completing the transaction XXXX wanted a {$600.00} deposit for new phones, so I decided NOT to use their service as that was an exhorbanant amount. I did not sign anything, receive service and my phone was never ported over. I ended up switching to XXXX the next day and have been their customer ever since. 

2 months later I received a bill from XXXX claiming I owed them {$600.00}. I called them the same day and was told that this was a mistake and they would cancel the debt. 

Approximatly a month later I received another noticed that I owed {$370.00} for XXXX. Again I called and was assured that it would be taken care of and that it is a cerical mistake. 

On XX/XX/XXXX I noticed a debt collection on my credit report for all 3 credit reporting agencies. I disputed the account and just found out that I was denied by XXXX. I don't know what else to do. 

I have never been a customer of XXXX, never used their service, nor have I ever ported a phone number over to them. I have had my same phone number for over 10 years and am a happy XXXX customer. 

I'm at a loss for what to do to correct this fraudulent charge, short of just paying off the {$370.00}. I am willing to hire a laywer if needed just for the principal of the matter.
Consumer complaint received 2020-04-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARRINGTON MORTGAGE SERVICES, LLC (HI)

XXXX XXXX XXXX fraudulently mishandled my existing mortgage by failing to service my Mortgage Modification by intentionally delaying process of up to 3 years, and unethical tactics, therefore breaching mortgage agreement. They did NOT possess my Deed to make such a collection. They later sold debt to Carrington Mortgage who is a Debt Collector. XXXX XXXX assisted me with letters confirming debt to both XXXX XXXX XXXX and Carrington Mortgage. XXXX XXXX XXXX responded with, " needed more information '', could not locate by account number? Carrington Mortgage could NOT produce deed to property and no signed legal document possessing mortgage. 

I have NO SIGNED LEGAL DOCUMENTS with Carrington Mortgage of this debt. 
They DO NOT HAVE my DEED to my property. 
I am under NO OBLIGATION to Carrington Mortgage or XXXX XXXX XXXX who created fraud in 2008, which null and voided any and all obligations.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

XXXX - XX/XX/2018 As part of the military out-processing and contractual agreement all military members XXXX travel cards have to be paid in full to in order to be closed and out-processed. Member was out-processed citibank confirmed it through XXXX XXXX finance and I was able to receive my orders to retire bank card was shredded and it was all taken care of. A year later XXXX pops up on this same account that was suppose to be closed and deleted and now it's in collection as a discrepancy towards my credit report. The member has no access to such account or ever has since the day they out-process members from the military its been a year or more that has passed. Member was fully out-processed and confirmed through citibank that all accounts were in good standings. Policy with XXXX XXXX XXXX  and Citibank is if anything monies are owed these funds would be immediately withdrawn from the members last check from the military before any monies are allocated to the retired member based on strict policy with citibank and DOD finance. This member can not held liable for a mistake or misconception that citibank and XXXX XXXX XXXX  may have made more than a year after the member has fully out-processed and been cleared from both sides that were good. Almost two years later to tell a member they XXXX into collections is alot of money without warning is wrong and is not fair policy because their is no way for them to prove that this was done by the member because they were fully out-processed and confirmed XXXX balance before they left the military base and before they fully retired.