davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/XXXX I wrote a personal check to a contractor named XXXX XXXX for {$6500.00}. He did not show up, work, or deliver materials, so I fired him and put a stop payment on the check. Obviously, when I put in the stop payment order with my bank the check had not cleared.

Somehow the contractor XXXX XXXX was able to cash the check at Ace Cash Express anyway. My bank, XXXX, refused to pay the check when Ace submitted it, so Ace began to repeatedly call me, 10-20 times a day, and left hostile and threatening messages.

All of the messages were left by an Ace employee named XXXX XXXX. At first, I ignored them thinking that it was perfectly legal and reasonable for me to stop payment for services I didn't receive, but she continued to call me constantly.

Finally I spoke to her and she told me that I owed Ace {$6500.00} for the check they had cashed. When I tried to explain that I had put a stop payment on the check and ask why they had cashed it in the first place, she began screaming " DID YOU WRITE THAT CHECK??! YES OR NO! DID YOU??? '' while I was trying to talk to her. I hung up the phone and blocked her number.

On XX/XX/XXXX I received a demand letter from Ace via XXXX XXXX saying that I had an outstanding balance of {$6500.00}, that they would take additional measures to collect and that this was an attempt to collect a debt, etc.

How can they collect a debt from me? I didn't borrow money from them, cash a check with them or contact them in any way. Also, are they allowed to threaten me with legal action?

XXXX XXXX claims they are trying to collect the money from him as well. Isn't it illegal for Ace to collect twice on this? ( From both me and XXXX XXXX the contractor ). Shouldn't they just be trying to collect from XXXX XXXX, the guy who cashed the check after I fired him and told him not to?

Now I'm faced with filing complaints, writing letters, having my credit ruined, possibly paying an attorney, etc. Please help me and stop this awful company, Ace Cash Express, from doing this to other people. Thank you.
Consumer complaint received 2021-06-03
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: EQUIFAX, INC. (OH)

I filed a dispute in regards to incorrect items I found on my credit report, it has been well over 30 days and I have not received any proof of investigation results.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MD)

{$10000.00}. Chase Bank closed my account because they could not confirm ownership via the state of DE website. However you are unable to confirm XXXX ownership via the DE website. Prior to closing my account i informed them they can not confirm online, went to a branch in person ( per their request ), provided all documentation possible they are STILL holding my money and will not release the cashier check to me. I have dealt with the mot incompetent people imaginable but now it is obvious they are trying to steal my money.
Consumer complaint received 2021-10-20
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. (TX)

On XX/XX/2021 I sent certified letters to Equifax, XXXX and XXXX advising that I am a victim of Identity Theft and that the information being reported is fraudulent. It has been over 30 days since Equifax, XXXX and XXXX received my correspondence which contained a copy of my valid Driver 's License, my utility bill for proof address, a notarized Identity Theft Affidavit and a Federal Trade Commission Report. I have not received any other notices that the False information therein was Deleted, and yet this False inaccurate information still remains on my file with the last investigation. Because of this I have been damaged by Equifax, XXXX and XXXX and unable to fairly obtain housing, credit, loans or employment.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Account XXXX showing XXXX, XXXX of XXXX  incorrect payment status Account XXXX showing XXXX of XXXX  incorrect payment status -Also failed to report XX/XX/2020 payment status on my consumer report. -These account has never been late or had ever been late with another Capital One in the past. -They also failed to notify me at least 21 days prior my due date. Under U.S Code 1666b, they must do so in written to notify, but had never did so. Also under 15 USC 1681i ( 2 ) ( A ) ( i ) My transactions and experiences ( such as late payments ) between myself and the lender are excluded and can not be used to construct a consumer report. " The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) ''
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There is an incorrect 30 day late payment reporting for the month of XX/XX/2021 on my Bank Of America Account XXXX with a credit limit of {$1700.00}. This information is false. I have never been late on a payment, it must be some kind of bank error. Please remove this late payment in XXXX and update it to show current.
Consumer complaint received 2022-02-15
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: WELLS FARGO & COMPANY (NV)

Two fraudulent charges of {$99.00} each were made to my card through XXXX when I don't even have an account. I disputed the charges per Wells Fargo 's instructions and they credited the charges two days later. I received a new card per my request to prevent this from happening again. Now on XXXX they put the charges back on my card claiming I needed to put in a fraud claim instead of a regular dispute even though this was the first I heard of this process from them. I immediately filed the fraud claim but they have made no attempt to correct the issue. In fact it took me being transferred to multiple individuals before someone even acknowledged the charges were even adjusted back onto my balance as a charge!
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (CA)

A security freeze was placed on my LexisNexis report on XX/XX/2020. I also placed a freeze on my XXXX XXXX XXXX XXXX report on XX/XX/2020. I do have verification for these freezes if needed. LexisNexis has continued to verify personal information reporting to my credit report post-freeze. I have letters from XXXX ( XX/XX/2020 ), XXXX  ( XX/XX/2020 ), and XXXX  ( XX/XX/2020 ) stating that public records on my report were verified using LexisNexis. I received a letter from the courthouse stating that they do not sell or report public records concerning bankruptcy filings to any third party agencies or credit bureaus. The reporting from the three major bureaus do not match one another as they are required to. I have disputed the inaccuracy of the reporting and nothing has changed. The court names are incorrect, the filing dates do not match and they are incorrect, the reference numbers are all different. I have disputed this information with XXXX, XXXX  and XXXX multiple times and the information comes back verified each time with the same response : " obtained through a third party vendor LexisNexis Risk Data Management Inc. ''. I know that the law states that the bureaus are required to report all accurate information on consumer reports, and that has not been the case for me. I am aware that data obtained for a consumer report must be validated through the original furnisher and the original furnisher stated in writing that they do not share info with 3rd parties.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (NJ)

I attempted I believe a few months ago, last year and even today ( today twice ) to link my PNC card to an app but their having connectivity issues or whatever but its every single time. All I would get is emails from Pnc bank saying that they received a request to link my bank account but it never went through. I spoke to PNC about it the first time and still no help
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent several disputes requesting my personal information be updated to the most accurate and up to date information but old address and other names still remain on my credit report. XXXX, XXXX, and Experian have failed to update my personal to only one address, one phone number, one name, and one employer. Correct information should be listed as : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone Number - XXXX Employer - XXXX
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have confirmed on XX/XX/2022 with XXXX XXXX XXXX that my account is NOT delinquent and it should not be showing as such on my credit reports and they have confirmed that they have no records showing that my account is delinquent yet it is showing as such on all three credit bureaus. This needs to be corrected.
Consumer complaint received 2021-05-09
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)

I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We have been trying to obtain a short sale approval on the property. Buyer and seller have been under contract since XXXX of XXXX. Every document required by the XXXX XXXX XXXX has ben provided on numerous occasions. The Short Sale was first initiated in XXXX of XXXX and everything needed was complied with. Again in XX/XX/XXXX the short sale was again reinitiated. It took the servicer over 60 days once the file was deemed complete and the XXXX  Insurer required another valuation. When the second valuation was completed the buyer agreed to new higher sales price and all documents were submitted multiple times with last time on XX/XX/XXXX. On XX/XX/XXXX the XXXX insurer countered again as they needed some fees removed that had been on the HUD the entire time since XXXX of XXXX. Once again the buyer agreed to the fees being removed and accepted their counter and all documentation was sent again for the 4th time on XX/XX/XXXX. We were told that a decision would be made in 30 days. It is now day 42 from this 4th submission and nothing. Only response provided by SPS escalation team is they are waiting on the MI insurer to issue the approval letter. The homeowner, a veteran who served our country for many years has been super inconvenience and is extremely frustrated.
Consumer complaint received 2021-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

On XX/XX/2021 I received a letter from a collection agency, Portfolio Recovery Associates LLC stating there was a debt owed to XXXX XXXX XXXX  ( XXXX XXXX XXXX. On XX/XX/2021 I sent Portfolio Recovery Associates LLC a debt validation letter via Certified Mail with signature confirmation, and I received a receipt that the letter was received and signed for by Portfolio Recovery Associates LLC, from the United States Postal Service on XX/XX/2021. 
On XX/XX/2021 I received another letter from Portfolio Recovery Associates LLC stating there was a debt owed to XXXX XXXX XXXX  ( XXXX ) XXXX that looked exactly the same as the letter sent to me on XX/XX/2021.
Consumer complaint received 2018-05-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (OH)

I have had a Pay Pal Line Of Credit account for a number of years, and my account has always been in good standing. I received a notice in the mail that my account is being transferred, and my interest rate is also increasing. My account is currently with XXXX XXXX, and it is being transferred to XXXX XXXX effective XX/XX/XXXX. The notice gave no explanation for the change. It just gives the new terms and conditions, but no reason given as to why my account is being transferred. Yesterday I talked with a rep from Pay Pal Credit, and this is what he told me. Pay Pal is changing banks to make it more fair for everyone by using the Global Market Interest Rate. I said I had my account for a number of years, and in good standing, and you are increasing my interest rate. This is not fair. He said sorry you feel this way about us wanting to make it fair for everyone. What's fair about increasing my interest rate. It's not fair. My current rate is 19.9 % and it is increasing to 25.49 %. 
I recently paid off 3 of my accounts that were associated with XXXX XXXX  totaling over 9 grand, and I still have 2 accounts to go, but now I am going to have 3. As a matter of fact I filed a complaint with the XXXX against XXXX XXXX in XXXX. After paying off my XXXX account and closing it someone took an unauthorized payment of almost {$200.00} from my checking account. Because of the lame excuse I got from the bank made me believe that someone tried to steal from me, and I reported it. I know I can pay off my balance of {$1500.00} to avoid the higher interest, but I am unable to after paying off the 3 accounts that I just paid off. XXXX XXXX 's interest rates are very high, and when you pay off and close an account they get kind of angry, and act like you can't close your account. 
What makes me so angry not so much as transferring my account ( in this case it does because of the bank it is being transferred to ), but because of my interest rate going up. I just feel this is so unfair for those of us who's accounts are in good standing.
Consumer complaint received 2021-10-20
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. (IL)

Several student loans are showing delinquent due to bankruptcy. Bankruptcy was not filed also, you can not file student loans under bankruptcy. I was in school the dates in XX/XX/2016 and ongoing and no payments were due to XXXX XXXX  at that time. I have already filed dispute with XXXX XXXX about error on their end and they are working on correcting the issue.
Consumer complaint received 2021-10-20
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. (IL)

Several student loans are showing delinquent due to bankruptcy. Bankruptcy was not filed also, you can not file student loans under bankruptcy. I was in school the dates in XX/XX/2016 and ongoing and no payments were due to XXXX XXXX at that time. I have already filed dispute with XXXX XXXX about error on their end and they are working on correcting the issue.
Consumer complaint received 2022-03-02
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. (VA)

XXXX XXXX. Paid on time never late. Monthly payment is {$500.00} XXXX XXXXXXXX Credit card. current account balance is wrong. monthly payment is {$500.00}. never late, no delinquencies. XXXX XXXX XXXX Credit Card. paid on time, never late. Current balance {$21000.00}. MOnthly payment {$1000.00} XXXX XXXX. account closed, paid in full, never late. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXX XXXX. account close, paid in full, never late. account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXXXXXX XXXX XXXXXXXX. account closed. paid in full, never late. Account closed XX/XX/XXXX. As consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXXXXXX XXXX XXXXXXXX. Account close, paid in full, never late. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. US Dept of EDU XXXX. Account closed, sold or transferred. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
On XXXX XX/XX/XXXX i sent of copies of my W2, utility bill & drivers license with current address. i was asked to provide this information to prove my identity as a consumer. since i've now provided this information. i now demand the errors on my account be immediately investigated, corrected & removed.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Between the dates, XXXX, both my checking and savings accounts were depleted by criminals engaging in bank fraud. On XX/XX/XXXX, I received a call by a man claiming to be with Citibank. He stated that they detected suspicious activity on my account. He already knew which account and confirmed my address. I didn't give him any of my account information. He asked if I had made a purchase at a XXXX outside of VA- I had not. He then asked if I had made two other purchases, named the vendor and the amount spent. I had made those. Because he knew my actual account information, what I had recently spent, and my address, I believed him to be a Citibank employee. I later found out that he was not. After stating there was a lot of fraud going on, and that Citi wanted to make sure my fraud alerts were getting to me, he said that he needed me to read back some codes. I've had to read back codes before, so this didn't alarm or alert me that something illegal was happening. I mentioned that I would need my new debit card quickly as it was just 2 weeks away from XXXX and that I needed to finish shopping. This scammer said he understood and expedited a new legitimate debit card to my apartment. He even said that he was going to waive the fee to expedite it since I had been on the phone for a while. I thought it was a nice customer courtesy, and much to my chagrin, thanked the criminal. I did, in fact, receive the new debit card, and after receiving another call from the criminal, on XX/XX/XXXX, where he asked for the cvv ( which I didn't give to him ), I went to my local Citibank branch. It was then and there that I was told that both of my accounts were wiped out. The thieves moved my money through both of my children 's accounts in order to get all of it. I had close to {$30000.00} on XX/XX/XXXX and around {$14.00} on XX/XX/XXXX. Citibank has given me some credit, but has not returned it all claiming that part of my story lacks credibility. I have told them, and am still willing, to do whatever I need to do to get all of my money back. I am the victim here. I know there are many more of us out there having to fight ( file claims, make repeated calls, fill out endless forms, profess our innocence to seemingly deaf ears, visit police precincts, etc. ) just to get back what is ours. It is beyond frustrating and unfair to put the burden on the victim. After attempting to work with Citibank, and not getting resolution, I filed a complaint with the Department of Financial Services ( XXXX - XXXX XXXX ) on XX/XX/22. On XX/XX/XXXX, I received a response stating that I should file a complaint with the CFPB. After more frustration with Citibank, I am filing this complaint hoping to finally get resolution.
Consumer complaint received 2021-06-03
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. (FL)

Transunion will not allow me to file disputes on their website. 

The XXXX  XXXX account needs to be deleted from my credit fileXXXX XXXX XXXX have submitted a request for the deletion and TransUnion has not adhered to the request. 

Attaching a copy of the denial to file a dispute online and I am attaching the letter from XXXX XXXX stating the account needs to be removed from my credit reports.