davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I will begin by explaining that I received a same day loan by NetCredit in XXXX and paid it off XXXX or XXXX. 
XXXX XXXX I went to acquire a loan and was approved. Received a notification and call stating that I needed to verify the addresses were the same on the voided check after Net Credit loan processor saw that the account information, check was the same account number and through the bank statement that everything was verified. Everything was verified! Tuesday I received a call stating the check addresses didnt match again so in order for me to I would have to re apply to change the ACH option. I asked to just send another voided check but they insisted on me reapplying, so I did. For the next 4 days I could never speak with a loan processing representative or supervisor, they kept asking for more information, stating my employer could not be verified, even after my employer called NetCredit, pushed back the loan date to XXXX, ultimately declining my application, without speaking or returning my call which I requested 3 days by email. They received all of my personal information, wasted a week and a half of my time for information they already approved of. I never was contacted by any person in the loan department or supervisor. And my credit decreased. This is fraud.
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (SC)

ALLY FINANCIAL IS SHOWING ME LATE FOR A TRUCK THAT I PAID OFF AND HAVE TITLE TO THE TRUCK. THEY SENT LETTER ME SAYING THEY WOULD NOT SHOW DELINQUENT HOWEVER THEY REPORTED DELINQUENT TO CREDIT AGENCIES BY MISTAKE. ALLY FINANCIAL HAS NOT HELP TO CORRECT THIS PROBLEM THEY MADE. IT HAS IMOACT OM MY CREDIT SCORE. 
CAN YOU PLEASE HELP ME HAVE THEM CORRECT THIS AS I HAVE NEVER BEEN DELINQUENT. THANKS SINCERELY XXXX
Consumer complaint received 2020-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

I've wrote to all 3 credit bureaus to address some errors i've found on XX/XX/2020. As a result of this dispute the information came back verified. In which I totally disagree with. So I followed the steps as directed by XXXX that I could dispute this item directly with the furnisher. So I wrote an letter to Account Resolution Services requesting to validate this debt they have listed on my credit report. They responded with a print out with vauge information. I asked how can I or anyone determine that this can belong to anyone. I've been scammed before this exact same way! So I sent a follow up letter on XX/XX/20. Please provide this information and what were they methods? So that I may compare them with my records. This company has failed to respond to reinvestigate this matter, but continue to report on my credit report as resolved but consumer disputes. I am XXXX Veteran. All of my medical needs are handle by XXXX VA Hospital.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Facts : XXXX The credit reporting agencies has illegally included information on the credit reports. 

Law : *According to the Fair Credit Reporting Act, Section 15 USC 1681a under the Exclusion Section number B anything that was extended or authorized on credit card will be excluded from the consumer report. Credit Card Any card plate or coupon book existing for the purpose of obtaining money property labor services on credit. Remove these accounts, If not you are civilly liable for reporting misinformation, it is also inaccurate.
Consumer complaint received 2020-04-12
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: EQUIFAX, INC. (CA)

Equifax is Reporting a collection Account that Should Not be on my Credit Report. I have contacted them on 2 Occasions & it has not been Removed. I contacted both XXXX & XXXX regarding the same Account from Some debt collection agency that should Not be on my Report & they Promptly removed this information.
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (FL)

The credit card company closed my account after I made payment on XX/XX/2020, but claimed they closed it on XX/XX/2020. My payment was made using XXXX XXXX. They have refused to issue refund for {$310.00}. I have written a request to expedite refund due to current crisis in the US. I am only asking for assistance for the company to release my funds immediately. I have asked if funds can be sent back to XXXX XXXX and XXXX XXXX said they will reissue a new reference ID number for me to pick up funds.
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. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be removed immediately. 

XXXX XXXX Please provide me with the Consumer Contract with my Signature on it.

Thank you for your prompt assistance in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

1. Received a phone call in which First Federal Credit Control advised that they were attempting to collect a bill for Dr XXXX. They also assumed that I was XXXX XXXX though they did not confirm my identity before disclosing that I had a medical bill. 
2. I advised First Federal that I did not know who Dr XXXX was 3. First Federal reported this bill on my credit report First Federal was clearly made aware that I disputed this bill and they failed to provide supporting documentation as required of a data furnisher. They have not supplied the date of service, service received or any information about who Dr XXXX is or how XXXX XXXX intends to support this bill. First Federal reported this bill to my credit report without conducting a reasonable  investigation or supplying the results of a reasonable investigation. Furthermore, in their telephone communication First Federal both communicated the existence of a debt to a party without verifying that person 's identity, as well as disclosing protected health information. 

In summary, there are issues with FDCPA, FCRA and HIPPA in this one incident.If First Federal wants to claim that they did not know they were communicating with the consumer, they are guilty of disclosing both the existence of a debt and protected health information to an unidentified third party. If they want to claim that they were communicating with the right party, they are guilty of failing to conduct a reasonable investigation and supply validation of the debt prior to reporting to that consumer 's credit report.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-04-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (NC)

I have been asking since XX/XX/XXXX to defer payments due to covid19. I was told my loan was too new and ineligible for deferment. My hours were reduced on XX/XX/XXXX and my office closed on XX/XX/XXXX. I put down XXXX at the end of XXXX to purchase my car and made my next payment on XX/XX/XXXX. I am on biweekly payments and was unable to make a payment. I had a payment due Friday and Friday night my car was repossessed. Its going to cost me over XXXX to get my car back. I cant even put into words what Im feeling. The entire world is facing disaster. My state is under a state emergency. How was there no leniency regarding this? My balance due was {$320.00} and I was not even 30 days behind. The last four of my social are XXXX. Please. Please have someone look into this for me. I need my car. Please tell me this company can not be so heartless to repossess anyones vehicle during this time? Ive been calling twice a week sinceXX/XX/XXXX XXXX. Im reaching out with genuine sincerity in hopes of resolving this issue and getting my car back without suffering the outlandish repossession fees. Please help. You should feel ashamed. A human made the decision to take my car from me. How incredibly disheartening. # XXXX  # XXXX  # XXXX  # XXXX  # XXXX # XXXX  # XXXX  # XXXX # XXXX  # XXXX  # covid19 # coronavirus # repossesion # wheresmyeconomicassistance # XXXX  # thieves # covid19unemployment
Consumer complaint received 2020-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (IN)

XX/XX/2020 I sent a certified letter for verification of debt to imc credit. I received receipt debt collector signed for documentation. Creditor changed on my credit report to rmp llc. On credit report notes it says in dispute. It has been more than 30 days for response.
Consumer complaint received 2023-06-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NE)

I have a very " old '' student loan that I have been paying on forever. I am co-signed on this private student loan and have made ALL of the payments. Several years ago this was sold by XXXX XXXX to Nelnet ( doing business as Firstmark Services ). At the current terms I won't have it paid off until approx. XXXX - when I will be XXXX XXXX XXXX. 

The payoff as off today is $ XXXX.I have offered to pay approx XXXX XXXX down in one cash payment now and then request that the balance remaining be " re-financed '' as a 3-4 year loan. I was told this was not an option/not possible. I simply can not pay another 12 years of additional interest.

I need help with this. 

Thanks
Consumer complaint received 2023-01-06
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: TD BANK US HOLDING COMPANY (WA)

Verification incomplete In accordance to FCRA XXXX XXXX  XXXX has violated my rights 15 U.S.C. Sec. 602A states I have the right to privacy. 15 U.S.C. 1681 sec. 604A sec.2 also states a consumer reporting agency can not furnish account without my written instructions.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be removed immediately. 

XXXX XXXX Please provide me with the Consumer Contract with my Signature on it.

Thank you for your prompt assistance in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX also being reported at same time as the above mentioned XXXX XXXX XXXX XXXX Disputed incorrect information being reported to all 3 Credit Bureaus after I was notified of a XXXX XXXX XXXX CA address was reported on account. I previously disputed this account as fraudulent but response from company stated INVESTIGATION RESULTS- VERIFIED AS ACCURATE. I also submitted a fraudulent report with Consumer Finance at that time. ** Please note in the screenshots of the 3 reported fraudulent addresses reported and the 2 reported fraudulent Social Security Numbers that are not mine.
Consumer complaint received 2020-04-12
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

My CapitalOne card information was used without my permission by an unknown source, aka : fraud. The unauthorized charges totaled almost {$400.00}. CapitalOne initially reversed all of the charges and opened a case to investigate. After over XXXX months of back and forth, several hours on hold with their support and my re-issued card information also being stolen and used without my knowledge or permission, I am still being held responsible for {$15.00} of charges that I did not make. CapitalOne has refused to believe me when I say that certain charges are fraud and I am filing a complaint because they are not abiding by their card agreement and have made this situation unnecessarily difficult for me, the consumer. 
I discovered several charges on my account from XXXX, XXXX, XXXX XXXX, and XXXX brands starting on XX/XX/2020. I called CapitalOne as soon as I noticed and reported the fraud charges on XX/XX/XXXX. CapitalOne advised me that because I already had an account with XXXX and XXXX they could not report it as fraud because those companies could possibly have my card information. CapitalOne also advised me to call XXXX and XXXX and ask them to investigate those charges. CapitalOne opened a charge dispute case, cancelled my credit card and issued me a new one. 
When I called XXXX and XXXX, they both confirmed that my credit card, and address information were used to open a new account. This was done without my knowledge. XXXX issued a refund some of the charges. 
When I received my new CapitalOne credit card in the mail and activated it, the next day ( XX/XX/2020 ) I started seeing new charges from XXXX and XXXX. I had to call CapitalOne and cancel my card again and report the fraud. CapitalOne again told me that they couldnt file the charges as fraud because I have XXXX and XXXX accounts. 
On XX/XX/XXXX, I spent 3 hours on the phone and was transferred to 4 different representatives and they assured me that they were opening a new case and I would receive a letter in the mail outlining what is being done. I still have not received anything in the mail, and I tried calling their support line again on XX/XX/XXXX. The wait was over 1 hour so they said they would hold my place in line and call me back when a representative was available. No one called me back. I am now stuck in a tough situation because if I dont pay my card balance, I risk hurting my credit score/report. 
I have been re-issued another card but have not activated it for fear that it will again be used fraudulently. 
CapitalOne has been extremely unhelpful and had made this entire process unnecessarily difficult and they are taking advantage of their customers with this method.
Consumer complaint received 2020-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation (IL)

I've wrote to all 3 credit bureaus to address some errors i've found on XX/XX/XXXX. As a result of this dispute the information came back verified. In which I totally disagree with. So I followed the steps as directed by XXXX that I could dispute this item directly with the furnisher. So I wrote an letter to Account Resolution Corp requesting to validate this debt they have listed on my credit report. They responded with a print out with vauge information. I asked how can I or anyone determine that this can belong to anyone. I've been scammed before this exact same way! So I sent a follow up letter on XX/XX/XXXX. Please provide this information and what were they methods? So that I may compare them with my records. This company has failed to respond, but continue to report on my credit report as resolved but consumer disputes. 
I am XXXX Veteran. All of my medical needs are handle by XXXX VA Hospital.
Consumer complaint received 2020-04-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On My XXXX  credit report by the name of XXXX XXXX XXXX XXXX i had some unauthorized inquiries in my credit report and i want them to be removed please. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On My XXXX  other inquiries were reported XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ON my XXXX  credit report XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX Capitol one XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2020-06-12
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: Santander Consumer USA Holdings Inc. (IN)

I filed the complaint to XXXX about Santander sometimes in XX/XX/XXXX. They didnt remove and Santander refused to remove the loan on my credit. I took a vehicle XXXX and I had an accident with it. They auctioned the vehicle and they still putting in My credit fro the vehicle j didnt spend even 2 months on it. I having hard time to apply even jobs and houses due to the high balance that was put in my credit. 

It ruins my credit and I wanted them to remove it please.
Consumer complaint received 2020-04-12
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: AMERICAN EXPRESS COMPANY (FL)

On My XXXX  credit report by the name of XXXX XXXX XXXX XXXX i had some unauthorized inquiries in my credit report and i want them to be removed please. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On My XXXX  other inquiries were reported XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ON my XXXX  credit report XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX American Express XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2020-04-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (TX)

Westlake account information report inaccurate data to each three agency. XX/XX/2016 company says debt reports all information is inaccurate from the dollar amount to the late payments the statement in the notes. The company called XX/XX/2016 times from 9 different numbers with four angry messages. In a 90 day span called 1587 times.
Consumer complaint received 2020-04-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FMA Alliance, Ltd. (IL)

On XX/XX/20 I've received notification from FMA Alliance in regards to an alleged debt owed to XXXX XXXX  in the amount of {$520.00}. In accordance with the law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).