davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I made several cash advances and regular purchases while having promotional balances. I made payments greater than the minimum payment to payoff the cash advances and regular purchases balances, however this did not eliminate the cash advances and regular purchase balances. Currently the interest is minor, but I am concerned that I will not be allowed to pay one of my promotional balances before it expires. Instead the bank will allocate my payment so that they can charge interest.
Consumer complaint received 2022-05-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc. (KY)

On XX/XX/2022, I received an email notice stating a bonus of {$590.00} will be received when a personal loan of {$5000.00} or more is taken out. I applied on XX/XX/2022 and was subsequently approved on XX/XX/2022 for the {$5000.00} personal loan. On XX/XX/2022, a chat ticket was opened to confirm the {$590.00} would be paid out as described in the email marketing. On XX/XX/2022, a message was sent saying the bonus would not be paid as SoFi has determined I was not eligible. The instructions were followed and the loan was funded, yet I was somehow not eligible des
pite receiving the marketing email.
Consumer complaint received 2019-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I have an account on my credit from Enhanced recovery XXXX XXXXXXXX in the amount of {$920.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Consumer complaint received 2018-09-17
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: EQUIFAX, INC. (NY)

This will be my last attempt at contacting Equifax about this account that keeps reporting on my credit report. I have sent 7 certified letters to Equifax showing PROOF that this particular account is NOT mine and you would think after their security breach which i was apart of and NOT happy about that they would take this matter seriously! But Equifax chooses not too. I want to know who is actually verifying this information? Because from the looks of it no one is! XXXX? It's obvious from the looks of all the incorrect information that XXXX is NOT a proper way of verifying a account. I have given Equifax a certified letter straight from the horses mouth that this account is NOT mine. As i said above this is my last attempt until i file small claims for this and will be awarded knowing this account you report is bogus.
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

On XX/XX/2020, I had called XXXX XXXX XXXX Customer Service, spoke w/ Mr XXXX XXXX I told him to please cancel my XX/XX/XXXX) Account number XXXX and which he proceed with my request, had canceled my account. 
After paying OFF my last billing with my XXXX XXXX XXXX XX/XX/XXXX account, I was shocked to received XX/XX/2020 billing statement stating that I still owe my XX/XX/XXXX) account in the amount of {$82.00} so I had immediately contacted XXXX XXXX XXXX Customer Service, I spoke w/ Ms XXXX XXXX she assured me, she will update my account appropriately. But she had failed to do so. On XX/XX/2020, I had mailed my 2nd Dispute letter regarding this already paid services, But to no avail from XXXX XXXX XXXX. On XX/XX/2020, I had contacted XXXX XXXX XXXX Customer Service in the hope to RESOLVE this problem. But instead Mr XXXX instructed me to contact XXXX Customer Service Directly to update my XXXX XXXX XXXX XX/XX/XXXX Account. Per Mr XXXX at XXXX Customer Service said he will fix and update my account and he will mail me a copy of final billing statement dated XXXX XXXX reflecting XXXX $ XXXX XXXX ) balance and I had immediately notifiedXX/XX/XXXX by telephone and via U.S. Mail letter, both were ignored by XXXX XXXX XXXX. Instead of updating my account balance was paid in full, XXXX XXXX XXXX referred my account to SEQUIM ASSET SOLUTIONS, LLC ( Debt Collector ). I had replied to their demand letter of XX/XX/2020, simply ignored the fact that is account had been paid in full and had a XX/XX/XXXXbalance. Recently, I just received another demand letter from SEQUIM dated XX/XX/2020 and once again did NOT response to my Dispute letter of XXXX XXXX. 
I am totally stressed right now created my XXXX XXXX XXXX and SEQUIM Asset Solutions, LLC Please advise Thank you and Happy Holidays!!!
Consumer complaint received 2019-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

On XX/XX/2019 I attempted to purchase tickets for a XXXX XXXX concert from a seller on XXXX. The seller sent me a screen shot of the tickets, which matched the description on XXXX and advised that he would transfer them to my XXXX account upon receipt of payment. I used XXXX, which is available within my USAA mobile banking app, to send {$180.00} to the seller 's email address : XXXX. The seller, with whom I was communicating solely via email through XXXX, then stated that he was was not seeing the payment and asked that I try again. I immediately became suspicious, sent him a screen shot of the transfer confirmation from my USAA app, and asked that the seller immediately transfer the tickets to my XXXX account. The seller stopped responding and I knew it was a scam. I promptly called USAA and asked that the transfer be reversed. A ticket was opened to investigate the disputed transfer, but I received an email on XX/XX/2019 stating : " Thank you for your patience while we investigated your Send Money transaction dispute below : Dispute date : XX/XX/2019 Disputed amount : {$180.00} Recipient 's name : XXXX XXXX Transaction date : XX/XX/2019 Transaction amount : {$180.00} Confirmation number : XXXX We've completed our investigation and determined an error did not occur for the following reason : XXXX is a personal money transfer service and does not provide purchase protection. The transfer was completed as requested and any dispute must be resolved with the user to whom you sent money to. If you have questions or would like to request copies of the documentation or information we used to make this decision, please call us at XXXX ( XXXX ), our mobile shortcut # XXXX or XXXX. We value your business and the opportunity to serve all your financial needs. '' Having now researched the matter further on my end, I understand that the major U.S. banks are all offering and promoting XXXX as a money transfer service, but are failing to provide any purchaser protection. As a result, XXXX has become inundated with scammers and fraudsters. The banks must know this and are failing to protect their customers. I find this unacceptable and ask that the CFPB investigate the matter and take action. There are a number of ways the banks can protect purchasers who use XXXX, including not releasing funds to the recipient until confirmation that goods/services were delivered.
Consumer complaint received 2022-10-19
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: Fidelity National Information Services, Inc. (FNIS) (MN)

Chex Systems is still reporting the following 2 fraudulent checking accounts internally and secretly to banks and credit unions, but constantly informing me that the 2 fraudulent checking accounts is not listed or showing on my Chex Systems Consumer Report # : XXXX, the 2 fraudulent accounts are from XXXXXXXX XXXX for {$5500.00} and XXXX XXXX XXXX  for {$980.00}. I have never opened or had a checking account with XXXX XXXX  or XXXX XXXX XXXX. The 2 checking accounts are fraudulent checking accounts.
Consumer complaint received 2018-02-23
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: GREAT LAKES (CA)

XX/XX/XXXX-XX/XX/XXXX I went to college, a school that was sued and closed down by the Federal Trade Commission! The name of the school was named XXXX XXXX XXXX. After leaving the school, do to deceptive advertising practices, I enlisted in the US XXXX in XX/XX/XXXX, to help me pay for my federal student loan, which was {$2600.00}! The military had in option to pay that off. They didn't do it. After joining, you are not allowed to have cellphones, Internet or anything like that. So that debt fell into collections, and was eventually lost, do to me moving from basic training, advance training, my duty station at XXXX XXXX Texas and finally XXXX. I saw that from time to time on my credit report. My point is that should be OFF my credit report because its way past the 7 year statute of limitations. 

As for the main two NEGATIVE marks on my credit report, are from XX/XX/XXXX one of which is {$3000.00} and the other is {$4000.00} ... .. These are WRONG! They are both listed as EDU. I did NOT attend ANY school in XX/XX/XXXX! Nor did I take out any loans or credit cards that equal the amount listed there! These are both erroneous marks on my credit report. 

I enlisted the help of XXXX XXXX to help dispute these negative marks. I been tentatively selected for a XXXX XXXX. And I don't want something that dose not even belong to me, ruin my chance at wonderful career. I have in til XX/XX/XXXX to make my case to the Point of contact at the government. 

Any proper debts I do have are well beyond the 7 year statute! In fact in XX/XX/XXXX I took out a auto loan for {$14000.00} and I paid that XXXX in XX/XX/XXXX!!!!
Consumer complaint received 2017-05-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: UNITED AUTO ACCEPTANCE (GA)

On  XXXX   XXXX ,  XXXX  I purchased a vehicle from  XXXX   XXXX  sales in  XXXX , GA. I was told buy the sales representatives and from the signs on their building that they were a buy here pay her and all financing would go thru them. Several days after purchasing the vehicle the car began to break down. I tried to exchange the vehicle several times but management would not exchange the vehicle until their mechanics reviewed the vehicle. After I brought the car in to get serviced I still had issues with the vehicle. So  on  XX/XX/XXXX  I retur ned the car to the dealer. I was not told until after I returned the vehicle that they would log it as a repossession and that the car was financed thru a third party. After careful research I have discovered that the dealership and the finance company are the same company. Also, I was told by the sales manager that the ca would not go on m credit because a full deposit was never made and any funds I did pay to them would be for the rental of the car for 10 days. This did not happen. The dealership forged my signature and dates on paperwork for a voluntary repossession when the car was a return so they could keep their commission. The finance company UNITED AUTO ACCEPTANCE s is very aware that this debt is not valid but they continue to pursue this.     They have also violated several Georgia laws during this process. Under Georgia state law the lender had to send a certified letter by  XX/XX/XXXX  stating any balances owed. They did not do this and have on several occasions failed to produce evidence. Please look into this as soon as possible. This company is a predatory lender and is not following the law.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I was informed in XX/XX/2022 by XXXXXXXX XXXX that an account alleging a debt in my name in the amount of {$1900.00} was assigned/sold to Portfolio Recovery Associates , LLC ( PRA ). 

I disputed this alleged debt in a XX/XX/2022 letter to PRA. I have never held, owned or used an XXXX XXXX XXXX XXXX issued by XXXXXXXX XXXX I asked that PRA produce the relevant contractual agreement between me and XXXX XXXXXXXX XXXX or XXXX, that contains my signature, and proof of any purchases in connection with this alleged debt were made or authorized by me. 

PRA responded by providing the referral letter XXXX XXXX sent to them. In correspondence dated XX/XX/2022, I called out PRA for their failure to substantiate this alleged debt. 

Their response on XX/XX/2022 was that they have responded to my request and consider the matter to be closed. 

I am not responsible for this fraudulent debt, and it should be removed from my credit report immediatley. PRA 's collection efforts should cease, and any harm to my credit report corrected. This has impacted my ability to refinance my house.
Consumer complaint received 2020-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To whom it may concern : I am writing because my credit report is missing information such as I was military from XXXX to XXXX. I have worked for the department of parole and probation from XXXX to XXXX. I am listed as a XXXX veteran which is not included. The debit I acquired came from the fact that I am a XXXX veteran, the creditors where notified and agreed to delete the information from my credit report and now it has not been updated. It still states that they are closed accounts and especially the students loans are still showing on all three credit bureaus. This information was provided but these accounts still remain on my reports. The older accounts should be removed especially but still remain after the fact. I would appreciate any assistance with the matter. I know that my credit score has remained in very low status even though I paid off two vehicles during this time. My employment status was never updated to Social Security Administration which start in XXXX and ended in XXXX. This has been very frustrating.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX, I sent a letter to the bureau  disputing incorrect personal information in my credit file, I requested the bureau to remove the incorrect information because they were incorrect, but the bureau didn't respond within the 30 days period allow by law. I sent a second letter on XX/XX/XXXX with the same information I requested to be verify or remove, the bureau responded on XX/XX/XXXX requesting proof of my identity, I sent on XX/XX/XXXX a copy of my social security number, a copy of my ID and a copy of a bill with my current address on it since that date the bureau didn't respond or remove the information I disputed and kept reporting these information in my credit report.
Consumer complaint received 2020-12-22
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 have been waiting for months to get a response after mailing multiple letters out and i have yet to receive anything back. I have several accounts on my report that i do not have contracts with or the info belongs to someone else. I have reached out to all bureaus and have yet to get a response. This is unacceptable, nothing has been mailed to me as a response.
Consumer complaint received 2021-11-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (TX)

I was unable to make payments to my Sallie Mae student loan due to insufficient funds during the middle of COVID. I had no job, and my unemployment was XXXX  $ / week and I couldn't even afford to eat and Sallie Mae told me they would give me 1 month of forbearance and that's all!

My credit score dropped to a XXXX and I've been struggling to increase it but I have a 90 day on my credit report, and no matter how many times I try to dispute this multiple times and still no success.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I HAVE A COLLECTION ACCOUNT SHOWING ON MY CREDIT REPORT THAT NEEDS TO GET DELETED BECAUSE IT WAS PART OF MY IDENTITY THEFT CASE A FEW YEARS AGO.
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

A company by the name of ARS Account Resolution Services has tried to falsely attempt to collect a debt on medical debts in amounts that are inaccurate and not owed. I personally contacted my insurance provider XXXX and pulled up all the claims via the online portal and spoke with a representative named XXXX ; He reassured me that these debts were in fact paid and that the amounts ARS were trying to collect on behalf of a medical service provider were indeed a result of error or negligence. I contacted ARS via telephone today XXXX, XXXX, XXXX at approximately XXXX est and spoke with a rep by the name of XXXX and I explained to her the situation and that I wanted the debt to be removed from my credit report under consumer law 15 U.S. Code 1692e ( 2 ) ( A ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. 

I have been disputing these debts since XXXX and it's really been an emotional strain on me and I want these resolved immediately!
Consumer complaint received 2019-08-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Check Fraud Services (NY)

Welfare issues me rent checks to pay my rent but someone stole the rent checks out of my landlord 's mailbox now I have a idea of who the person is that stole the checks but welfare informed me that 3 of my rent checks where cashed the rent checks are in my landlord 's name but my landlord say they never got them and the never cashed them so I dont know what to do iam on the verge of being kicked out on the three plus iam three month back in rent because the checks where stoleing
Consumer complaint received 2020-12-22
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. (MS)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-03-25
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: Experian Information Solutions Inc. (PA)

I have made multiple attempts in writing and via telephone to Experian in an effort to request that they fix an issue that does not allow me to initiate disputes on my file for information that is incorrect. I have a paid service, and over the past year or so, I have received no resolution. 

I have petition this organization - CFPB - for help as well. 

Nearly every attempt to solicit assistance from Experian has resulted in misinformation, call transfers to other departments and/or transfers to individuals who claim they can not help me. 

When I attempt to initiate a dispute, I get an error message. The problem has existed for quite some time.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

On XX/XX/2020, Santander Consumer USA was charged with Predatory lending in a MultiState Lawsuit. In the lawsuit they were required to compensate consumers and loan holders with the following, but not least : 1. Santander to remove auto loan entirely from credit reports and credit bureau, per the settlement 2. Santander to forgive loans entirely, per the settlement 3. Santander to give consumers clear auto title, per the settlement 4. Other specific requirement in the lawsuit Maryland Attorney General Office communicated with me and sent my information to XXXX XXXX ( Consultant handling the Santander Settlement ) to be added to the settlement. When I call XXXX XXXX they claim that they do not have any information concerning me being on the Settlement and that I should contact Santander. When I call Santander, they state that I am not eligible for the settlement because I still have a balance. 

I did not see anywhere on the settlement lawsuit that consumers with balances are not eligible. It appears that Santander is not abiding by the lawsuit. And they keep sending me to AGs office and XXXX XXXX and back and forth, with no answers. 

However, Santander has removed the loan entirely ONLY on XXXX, but XXXX and XXXX, they have closed my account, but still show a balance. This is not correct according to the settlement.