davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

I am receiving pandemic unemployment from Pennsylvania on a US Bank ReliaCard. As of the end of XX/XX/2020 my money was frozen for investigation of possible fraud. On XX/XX/XXXX I faxed to US Bank copies of my drivers license to proof my identification. I have spoken to 6 customer service people and 3 supervisors since this hold has Ben placed plus I uploaded my identification to their site as instructed and am constantly being told that it hasnt been released by fraud department yet. I have overdrafted my personal checking account to have money to live on and have no more access to getting money to pay my rent, utilities and medical copays for doctors and prescriptions. I incurred {$75.00} in fees for overdrafted money not due to anything I did wrong. I need my money that includes a transfer in limbo of {$1500.00} with the amount in my US Bank card equals over {$9600.00} that I can not access. 
I sent an email to the CEO of US Bank over 4 days ago without getting any response. 
PLEASE HELP ME!!!
Consumer complaint received 2020-10-01
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: ENCORE CAPITAL GROUP INC. (PA)

MCM # : XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. 
Original Account # : XXXX I filed for bankruptcy on XX/XX/2020 and listed Midland Credit on my bankruptcy petition. Midland Credit deleted the trade lines from my credit reporting file after my bankruptcy was filed. However ; the following month they re-reported this information to XXXX  showing it as an open collection item although they were clearly listed in my bankruptcy petition. They have indicated in my CFPB resolution that they stopped reporting the account to the 3 credit reporting agencies which is obviously not true based on the attached documentation showing them listed as a collection item on my XXXX  credit bureau report. It seems as though there executive offices have issues understanding my complaint. I did not indicate I want the trade lines deleted but more so if they cant report them accurately to show them as included in my bankruptcy that they should delete the reporting as that they have indicated in there resolution contradicts what actually occurred on my consumer credit file.
Consumer complaint received 2023-07-13
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)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (TX)

I recently received my credit report and discovered a collection account for LJ Ross for electric service in XXXX, TN. I am a full time resident of Texas and have lived in Texas consistently for 20 years. I have never lived in XXXX nor have I ever had electric service with XXXX XXXX. This account is not mine and may be a result of identity theft.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX put late payments on my account. 

In accordance with the fair credit reporting act XXXXXXXX  account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im XXXX business days of receipt
Consumer complaint received 2020-10-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX2020 and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- XXXX. XXXX  XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.
Consumer complaint received 2022-11-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (NC)

I have 2 loans with Lendmark Financial, an auto loan and a personal loan. I took out the auto loan in XX/XX/2021 with an APR of 22.49 % and my monthly scheduled payments were XXXX. I took out the personal loan in XX/XX/2021 with an APR of 27.97 % and scheduled monthly payment of {$130.00}. 

The lender stated in the disclosures that these loans are legal under XXXX XXXX. XXXX the lender pre-computes the loan and adds the full interest owed to the outstanding principal balance. My starting principal balance was {$14000.00} for my auto loan. Had I maintain the loan for 60 months, I would have paid {$9600.00} in interest. 
My starting Principal balance was {$4000.00} for the personal loan and the {$2600.00} of interest owed after 4 years. 

Lendmark created a new principal balance whereby all payments made to the loans only pays the interest for the first 18 months or more. 
Due to their greed and perpetuation of this scheme, they change the loan to a hybrid interest only for the first 18 months without providing proper disclosure nor did they provide an amortization scheduled showing how the loan will be paid in full. I was never informed that the first 18 months of payments would be applied to the interest only and none of those payments would be applied to the original principal balance, I attempted to refinance the loan after 18 months and was told that none of my payments were applied to the principal balance. I am now forced to maintain a car that has a {$7000.00} value and I owed {$13000.00}. I am completely upside down. 

I was never given the proper notices. I am a victim of reverse redlining and predatory lending.
Consumer complaint received 2020-08-15
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: American Credit Acceptance, LLC (TX)

XXXX  has not removed 30 day late due to national disaster AMERICAN CREDIT ACCEPTANCE has stated on credit report due to national disaster XXXX XXXX XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Consumer complaint received 2020-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$480.00} XXXX  XXXX {$13000.00} XXXX XXXXXXXX XXXX {$650.00} XXXX XXXXXXXX {$480.00} US DEPT ED XXXX {$4800.00} USDOEXXXX XXXX {$18000.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$3800.00}
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (IL)

In XXXX I lost my job due to covid, I worked at a hotel and applied for unemployment. I did not receive my first unemployment check until XXXX. I reached out to Fortiva when I got my first check and they asked for {$160.00} and I gave {$200.00} and was told that since I lost my job due to Covid 19 they won't charge me a late fee and it won't show up on my credit report. Also they put on my account that I was affected by a natural disaster. A month later in XXXX I see that they marked my credit as delinquency and called them right away. I spoke to the manager and they said it was a mistake on their end and will wave the late fee and will let all three credit agencies know that it was their fault and that I was not late. I also received a letter from the manger XXXX stating that they will inform all three major credit reporting on updating. I waited a month and still nothing was deleted. I have tried to depute it with the credit agencies for months now and nothing has changed. Fortiva told me that I was not going to be punished since I lost my job and since were are in a pandemic and recession. I keep calling Fortiva and they keep telling me that it will be deleted and still don't see it deleted on my credit report.
Consumer complaint received 2020-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion failed to respond in a timely manner and they are reporting inaccurate information on my credit report. I am extremely stressed and worried because i am unable to purchase a home because of their inaccuracy which need to be deleted as soon as possible
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Consumer complaint received 2022-11-09
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: Upgrade, Inc. (LA)

I made a purchase with virtual card XXXX at XXXX and was issued a partial refund for {$100.00} on XX/XX/XXXX, it has been almost two weeks and I have not received it. I have repeatedly reached out to Upgrade and they were not helpful. I know XXXX did issue a refund so Upgrade for whatever reason did not send me refund back to me.
Consumer complaint received 2024-02-11
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: TOYOTA MOTOR CREDIT CORPORATION (VA)

From XX/XX/ to XX/XX/ my score went down XXXX XXXX. It says I must have been late on a payment. Rather than being late I paid an extra {$6500.00} on the loan. I am paid in advance. I have never made a late payment. I disputed with Toyota Financial, XXXX and XXXX XXXX. The all responded back that I have never had a late payment and I am even paid in advance but my credit score has not been adjusted back up.
Consumer complaint received 2020-10-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I believe this late payment is a error since Im been paid my credit card on time, I call the company and made couple disputes but Im really cant explain well because I have lenguaje barrier, and this moment Im taking class to change couple barriers and take more controls of my financial life you can see alway be made my payment in time this is error I would like a change to continue with a good perform on my financial
Consumer complaint received 2024-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Bright Capital Inc (WV)

I was charged XXXX by a company called Bright Money that I never used. They stole my money and I will provide more details if need be but this is a fraudulent company and as I read from personal testimony has stolen money from a lot of other people as well.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time
Consumer complaint received 2020-10-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC (ID)

I went to the XXXX XXXX XXXX 'XXXX XXXX XXXX in XXXX, Idaho in XX/XX/2019 for a XXXX  and walked out with almost {$5000.00} in medical bills several hours later. I felt the medical tests they ran were unnecessary. I spoke numerous times to the medical billing office to see if someone could see reason. I also examined the listed medical prices online and found the prices I was charged were radically inflated. The hospital refused to negotiate or reason and sent me to a collections company. I spoke several times to that collections company and was told they'd send me a copy of the bill ( which I have already. ) That's the last I've heard of them, but both the hospital and the collections company warned me this would affect my credit.

I just refinanced my home, and my once stellar ( XXXX  ) credit score had been so affected, my rate was higher and there was a medical collections on my credit report. I don't know what to do at this point.

{$5000.00} for several hours in a waiting room, and a diagnosis of " rest and drink liquids '' is absurd.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (GA)

i have like XXXX Navy Federal accounts on my XXXX XXXX XXXX which is Fraudulent with incorrect information that's not even my information wrong ss number and wrong driver license number and wrong address i never lived at. But the crazy part the ss number does not mine which i will attached and copy of my driver license and ss card for proof. Please remove from my profile and any of profile that this incorrect information reporting to. 
Here is the accounts thats not mines and wring incorrect. Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX As you can see that social number wrong and it should've never been added to my profile
Consumer complaint received 2022-08-17
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. (TX)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In regards to XXXX XXXX XXXX XXXX XXXX, I was able to speak with XXXX 's legal department about my intentions to sue if their credit reporting was not corrected. During the conversation, I learned that the XXXX account in question is for an address I have never lived at. I am now assuming that XXXX mistakenly assigned that account to me. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My previous address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI have attached a copy of my W2 as proof of my previous address. I want to demand XXXX and the credit bureau 's permanently delete this tradeline from all credit reports.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: U.S. BANCORP (VA)

XXXX monitoring revealed that US Bank had opened an account for us. We have no relationship with US Bank, and XXXX told us to call them. When we did we were brushed aside as needing to call their fraud department. The representative, supposedly a " banker '', refused to take our information and phone number and have someone contact us. 

When we called a local phone # for US Bank in XXXX VA, we were told by a XXXX XXXX there to " XXXX for fraud contact information for US Bank '', that she evidently would not lift a finger to help. 

I will attach a file of the notification from XXXX, below.
Consumer complaint received 2020-10-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Experian is reporting wrong information on my credit report. I am extremely stressed and worried. I have sent dispute and its been over 30 days and they failed to respond. They are breaking the law.
Consumer complaint received 2024-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Block, Inc. (IN)

XXXX XXXX XXXX XXXX XXXX  I have gone back and forth with Afterpay, a billing company for XXXX, telling them that I have overpaid them. They refuse to refund my overpayment, will not respond to my request for a comprehensive billing statement, and now are trying to charge me twice. I have paid my bill in full and over the {$3.00} they originally said I owed. They now say I owe them {$26.00}.
Consumer complaint received 2023-03-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (TX)

I work hard to preserve my credit score, and I recently learned on my credit report that I owed money for a payday loan. But, the company will not validate my initial transaction and will not provide me with any other information on the loan ; they only want my money. They refuse to produce loan documentation. They notify a credit bureau about the loan. I know I don't have any other loan beside my mortgage
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I was advised by XXXX that a collections account has been added for a utility account I never authorized. I have never lived in XXXX XXXX ever. I spoke with XXXX XXXX from Convergent Outsourcing who advised an account was opened up using my SSN and DOB for the property address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX for XXXX XXXX XXXX and the email address used to open the account XXXXThe amount of the debt is now at XXXX XXXXXXXXConvergent account number is XXXX. 

Credit Agencies have been advised and my credit is now frozen and a fraud alert is now on all 3.