davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (NC)

They said the transaction happened on XX/XX/2021. I made a payment of {$700.00} on my account. I woke up checked my banking account and noticed {$940.00} was also taken. I called the first person told my I had auto pay on and it was a mistake. I asked to talk with a supervisor he said that it was a mistake and would be sent back in two days. She wouldn't tell my why and how that transaction was made. I talked to another supervisor and he said I authorized both transactions. I was explaining to them why would I pay {$700.00} two days after I supposedly made a {$940.00} payment on a card with a {$1000.00} credit limit. Why would I pay {$1600.00} on a credit card with a {$1000.00} credit limit. On XX/XX/2021 i contacted them because the {$700.00} didn't process as what they called a computer error on there end and hit me with a {$34.00} late fee which is the second time this has happened. The first time they sent the money back the day the payment was due. And nobody can tell me why and who authorized the {$940.00}.
Consumer complaint received 2021-07-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation (TX)

To Whom It May Concern, On XX/XX/XXXX I received a Debt Collection Bill from Aspire Credit Card. I immediately spoke to a Representative and both verbally requested a Cease & Desist of further contact and emailed them a Cease & Desist Letter. The Rep said that they would comply and would not seek any further contact with me. 

In XX/XX/XXXX I get another Debt Collection Bill and I once again call Aspire and speak to a Rep. 
They said that this was a mistake and it would NOT happen again. 

In May I get another bill from Aspire and once again I talk to a REP and they mention that the Cease & Desist Letter was in effect as of XX/XX/XXXX ( XXXXXXXX XXXX XXXX? ). They also mentioned even though they received a Cease & Desist Letter that they will NOT stop sending Bills because I owe them money. The CSR, is off shore not located in America. I ask to speak to a Supervisor and they told me, one is not available. 

XX/XX/XXXX I still am getting Bills from Aspire and I end up texting them instead of calling. Once again I get an apology and that's it. 

In XXXX I get another bill and I have had enough!!! 

Enclosed please find copies of my original Cease & Desist Letter along with gifs of XXXX & XXXX bills. 

I am legally disabled in the State of Texas. I collect XXXX. I am judgement proof from any money demand law suits. They will NEVER collect money from me.
Consumer complaint received 2021-07-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (PA)

Lender ask for XXXX several times when submitted information to lender continue to say didn't receive documents.Would not except business income even though taxes were paid on income.Treated like a 3rd world citizen and ignored.Trying to keep appraisal funds.
Consumer complaint received 2021-07-25
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: EQUIFAX, INC. (MN)

The following credit inquiries listed on my Equifax credit report are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX.
Consumer complaint received 2021-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I had paid all my balance that I had owed in 2010 to Sallie Mae when I attended XXXX XXXX XXXX. The amount was never deducted from my account and it was rolled over to Navient. I would like Navient to remove the balance that I had already paid to Sallie Mae. Total balance paid {$15000.00} in 2010. 

Thank you,
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (FL)

MY NAME IS XXXX XXXX XXXX, AND I AM A UNITED STATES CITIZEN, RETIRED AS A XXXX FROM THE XXXX XXXX XXXX. I AM WRITING YOU BECAUSE I HAVE PROBLEMS WITH MY CREDIT REPORT AS THEY ARE CLOSING ALL AVENUES FOR ME TO HAVE CREDIT WHEN I ALREADY PAID IN FULL ALMOST ALL CREDIT CARDS OWED. PLEASE SEND TO THE CREDIT BUREAU THE LETTERS, WHERE THE CREDIT CARD WAS PAID IN FULL, THIS XXXX  XXXX CARD WAS PAID PAID AS A SETTLEMENT DONE THROUGH NATIONAL CREDIT ADJUSTERS AND MYSELF. 
XXXX XXXX XXXX ON XX/XX/2021. THE ONLY CREDIT CARD OWED TO XXXX XXXX WAS THE ONE ENDING XXXX, AND THEY HAVE 2 DIFFERENT ON MY CREDIT REPORT. PLEASE HELP!!
Consumer complaint received 2021-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

I received medical care from XXXX XXXX XX/XX/2018. I filled out an application for Financial Assistance/XXXX XXXX within a week of services rendered. I was Uninsured, unemployed, receiving XXXX, single parent of a baby and transient at the time due to leaving an unsafe situation. XXXX made no attempt to reasonably contact me ( not even a phone call to help before selling it off ) of their determination and sold the debt ; reporting adverse information. Now I have a medical bill reporting on my credit from Merchants Credit Guide Company ( MCG ) since 2018 in the amount of {$7400.00} on behalf of XXXX. I requested a verification of debt from MCG. They sent me a copy of a bill they have on file which shows the bill was paid as a charity adjustment with a negative balance. They are continuing to report a bill that is paid. XXXX informed me they had no proof of anything and Im financially responsible. MCG will not update and remove their inaccurate reporting. Neither company has been helpful and the reporting on this matter has been harmful.
Consumer complaint received 2021-07-25
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: EQUIFAX, INC. (TN)

not mine fcra violations : XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Open. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Account charged off. {$26000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 
AUTOMATED COLLECTIONS Potentially negative Date opened XX/XX/XXXX Balance {$300.00} Status XXXX account. {$300.00} past due as of XX/XX/XXXX. 



XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$26.00}, XXXX written off. {$24.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$24000.00} Balance updated XX/XX/XXXX
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (TX)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX., XXXX, TX XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (PA)

Diversified Adjustment Service, INC which is a collection company violated my consumer rights pursuant to the FDCPA on XX/XX/2021 which they're attempting to collect in the amount of {$1500.00}. I sent them an affidavit of truth along with an invoice which amounted in the total of {$14000.00} to collect remedy for their violations. They sent me a letter compiled with multiple violations under the FDCPA which included : 1. 15 USC 1692f 2. 15 USC 1692c ( a ) 3. 15 USC 1692b ( 5 ) 4. 15 USC 1692d 5. 15 USC 1692e 6. 15 USC 1692b ( 2 )
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/2021 American Express XXXX XXXX XXXX XXXX XXXX UT XXXX REF : XXXX XXXX XXXX XXXX XXXX American Express Card. 
Denied my lawful right to obtain credit me being the Consumer ( 15 USC 1692c ( d ) ) and Original Creditor, A Natural Person I invoke my consumer rights pursuant to title 15 chapter 41 Violation of the FCRA Fair Credit Reporting Act the banking system is dependent on fair and accurate practices. 
my credit report is inaccurate. 
TILA Truth in Lending Act 5-29-1968 CCPA Consumer Credit Protection Act ECOA Equal Credit Opportunity Act prohibits discrimination ( 15 USC 1691 ) 15 USC 1602 ( f ) Credit is the right granted by me to a debtor to defer payment. 
15 USC 1692e 15 USC 1681a ( 4 ) Consumer Privacy is violated 15 USC 41-58 FTC Federal Trade Commission prevents unfair practices, unfair and deceptive The FICO is not mentioned in the FCRA The Consumer Reporting Agency is Fraudulent and obtaining my private information without my consent is unlawful Using XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 USC 1637 Open Ended Consumer Credit Plan on this Consumer Credit Transaction 15 USC 1692 Me the Consumer is being taken advantage by the agency using abusive practices, and inadequacy of the consumer protection law. 
15 USC 1681n Civil Liability for willfull Non compliance obtaining my consumer report under false pretenses, knowingly without permissible purpose. 
{$1000.00} per violation 15 USC 1963k Civil Liability 15 USC 1640 Civil Liability {$5000.00} consumer Credit Plan 15 USC 1681e ( b ) Compliance Procedure and accuracy of report 15 USC 1681b Permissible Purpose I never gave written Instruction to furnish my consumer report. 


I never Granted Permission for any agency to furnish my information in the first place. 
I extended my credit in exchange for the XXXX XXXX XXXX XXXX American Express Card Fraud on the behalf of the Consumer Report Agencies for violation my Consumer Rights for furnishing my information with out my permission I choose to invoke my right as a consumer I am a Natural Person
Consumer complaint received 2021-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Chime Financial Inc (PA)

On XX/XX/2021 XXXX Limited $ XXXX $ XXXX {$670.00} I filed a Dispute With Chime Banks Dispute Dept. , Was Given A Time Frame Of 90XXXX, that they would have a final decision to refund the said amount listed above, it is now 90 days today they still haven't made a decision, nor have they returned my funds, it's been constant game playing for 90 days, now they are saying that have all night to make a decision because they're open XXXX. I asked for a provisional credit since I've waited for so long, I was told that my particular transaction does not qualify for a provisional credit. Then, when I called them again at XXXX XXXX  on Untitled ticket XXXX XX/XX/2021, now its at the end of their business day ends at XXXX XXXX  on Saturday. At XXXX I Spoke To XXXX manager on duty Chime employee ID XXXX, Who is now saying that My Claim Was Actually Supposed To Have A Decision on XX/XX/2021, instead of XX/XX/2021, she has to now escalate it to the investigations dept. to, make the final decision, and someone will reach out to me within 3 business days After I already waited 90 days.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (TN)

Earlier this year I checked my credit profiles and noticed a XXXX XXXX credit card on there that was supposedly opened in XXXX. Ive never had a XXXX XXXX credit card. Ive mailed certified letters to them 3 times between XXXX and XXXX of XXXX and have not heard back from them ( I have proof of delivery all 3 times ). Ive spoken to 3 customer service reps. They are not even attempting to resolve this issue. They continue to give me the run around.
Consumer complaint received 2021-07-25
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. (FL)

I attempted to go back to school and I had complications so I dropped the class so the loan should have been returned back to XXXX  I dont owe them I didnt go to school or graduate from there. I need it removed so I can have my credit in order I have been disputing charges from them because I didnt attend the school for even a month for me to be charged XXXX XXXX I need help with this
Consumer complaint received 2021-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.
Consumer complaint received 2021-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

PayPal permanently Limit My account For No Reason And I'm Facing Financial issues And I didn't do Anything Wrong And they hold my money 180 Days for no reason. And I need That Money Urgently Because I'm A Facing Financial Problem Due To Corona. Please I want Money. 

My PayPal Email- XXXX Thank you!
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (NV)

I have to say the date was a while back probably XXXX or 2019 when I had XXXX XXXX The problem was I closed my account with a XXXX  balance and a few months later they said I owe them a balance. I dont know why most cable companies charge a balance and say money is still owed when someone closes their account because he or she no longer needs it. But, I was getting these phone calls from a collection ( EOS ) saying I owe money to a cable company which later I paid. Its still showing on my credit report as in collections and open impacting my credit score. I tried one company XXXX XXXX XXXX to have it removed and to fix my credit report but they were just taken me around in circles telling me the same thing over and over again ; so, I canceled my service with them and went with someone else who has made progress with in a month. But EOS has my credit score hostage when I gain points that it drops back down and when I try to earn points by renting things and paying them off on time I do not receive any points what so ever.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (AL)

In XX/XX/XXXX, we opened an equity loan with PNC bank in XXXX, AL - we were told that we HAD to also open a checking account in order for them to automatically deduct the monthly payment. We were assured that as long as we either kept {$2000.00} average checking balance or our loan balance was greater than {$15000.00} then they would NOT charge a XXXX XXXX monthly fee. Several times over the years the checking balance has been less than {$2000.00} and we have never been charged a fee. Starting in XX/XX/XXXX they charged the fee and advised me that it was due to checking account average being below {$2000.00}. I questioned why a fee was charged when my loan balance is still above {$15000.00} and they told me that was no longer an option to waive the fee. They stated that now I was required to maintain a {$2000.00} checking average balance so I asked them when this changed and why I was never notified. They said it would have been on one of my statements but could not advise me which one. I have checked all of the XXXX online statement messages and there is no notification that they were removing the linked option of loan balances over {$15000.00}. I did not want this checking account anyway so I will not pay a $ XXXX monthly fee just so they can deduct my monthly loan payment when I have other bank accounts that I can allow them to debit. I was advised today that should I cancel the checking account they might increase my fixed interest rate on my equity loan from XXXX - I thought thta banks were required to give advance notice of fee changes and I do not think it is legal for them to adjust my interest rate if I choose to cancel the checking account but allow them to do automatic payments from a different bank account. Can you assist me?
Consumer complaint received 2021-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (FL)

There are XXXX inaccurate and historic accounts listed from the same creditor that is past the statute of limitations for collecting debts in the state of Florida. The last payment made on this account was on XX/XX/2018, and according to Florida state law, the statute of limitations for collecting debts is 5 years this debt is time barred and no longer collectible. Both accounts presence on my credit report is inaccurate and unfairly impacts my credit history. Evidence to support my claim is attached. The account numbers are XXXX and XXXX. Both accounts are listed under XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card from XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXXXXXX XXXX  XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late twice.