davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (AL)

My husband died on  XX/XX/XXXX . As soon as my husband past away the government ceased his military pay. I could no longer continue to pay on this account. I only had enough money to pay my house and utilities. I was diagnosed with   XXXX   XXXX   in  XXXX , and I was still grieving the loss of my husband. I had been   XXXX   free for 10 years, but when I my husband died the   XXXX   came back due to grief. And it was more grief when I no longer could pay on my credit card account. I am on a fixed income and i still ca n't pay it. Collection agencies will cease collection efforts if the person can explain their financial hardship. Well with the government taking away my husband military pay has caused me a severe hardship. My credit should n't be ruined because of my husbands death which has put me in a tight spot.
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (VA)

NEW COMPLAINT UNRELATED TO ANY OTHER CASES Credits not received.     Credit from  XXXX  on  X/XX/2017    for  XXXX . Never received.     Credit from  XXXX  on  X/XX/2017    for  XXXX . Never received.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (MO)

I received a letter from XXXX  XXXX credit Card about an account number being changed. It stated all payments must include a new number. They would withdraw payments from my account after XX/XX/2022 I have never had an account with XXXX XXXX credit card. When I called the number XXXX at first I only got a recording telling me if I got a letter regarding changes in the account that everything had been taking care of Them I called again I got a representative go tried to get tried to get more personal information from me. I refused and told them this was fraudulent activity and I was reporting this company and she hung up.
Consumer complaint received 2019-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates sued me on XX/XX/XXXX utilizing address I had not lived at since XX/XX/XXXX; the original creditor never had this address on the account. The received judgement and garnishment. On XX/XX/XXXX the XXXX Municipal Court in court case XXXX the order was vacated all money received from garnishment was to be returned to me. In a recorded conversation with Portfolio Recovery Associates in the month of XX/XX/XXXX agreed to dismiss and settle the case as paid and remove it off my credit. In XX/XX/XXXX, I noticed the case was listed on my credit report and disputed the case, Portfolio Recovery Associates then mailed me documents showing payments in the amount of {$450.00} made on XX/XX/XXXX and XX/XX/XXXX that they did not return and placed on the account. I have tried to discuss this with them on XX/XX/XXXX, they state they have no court documents and do not have anything showing the court case or that the case was settled and the money was to be returned. Additionally, the balance shown on my credit report is only for {$130.00} not the original amount of {$1000.00} or the XXXX they state the balance is after ignoring a vacated court order and keeping the garnished payments received.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} XXXX XXXX  account. {$2.00}, XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$460.00} writte FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with Fair Credit Reporting act 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, has violated my rights.

15 U.S.C. 1681 section 602 A states I have right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (CA)

In accordance with Fair Credit Reporting act 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 has violated my rights.

15 U.S.C. 1681 section 602 A states I have right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Credit Corporation (WA)

I had several XXXX XXXX  appointments in XX/XX/XXXX- XX/XX/XXXX and my insurance company ( XXXX ) processed all of the claims to my deductible, which was incorrect. Because this was incorrect, I did not pay the amounts I was being told I owed, and eventually amounts went to Merchants Credit Association. My health plan documentation clearly stated that ALL physical therapy services would be 100 % covered by XXXX after the member pays a {$20.00} co-pay. When I contacted XXXX to ask why my claims were processed toward deductible instead of co-pay, they stated that in order for me to have had my claims processed toward co-pay I would have needed to have had my appointments at a doctor 's office or a free-standing physical therapy facility, rather than at an outpatient department of a hospital, which is where I had my services done. However, there was no language in the schedule of benefits that mentioned place of service as a determining factor in how benefits are applied for physical therapy services, whereas other short-term rehabilitation services such as occupational therapy actually specified that benefits were dependent on place of service. My husband appealed XXXX 's decision explaining all of the above and provided PDFs of the language used in the schedule of benefits. While we waited for the outcome of the appeal, I also appealed the amount owed with Merchants Credit Association ( MCA ). Shortly after that, XXXX sent us notice that they denied our appeal. On XX/XX/XXXX, my husband contacted the Washington State Office of the Insurance Commissioner ( OIC ) to request that they act on my behalf to complain to XXXX about their claim decisions and the denial of my appeal. On XX/XX/XXXX, the OIC contacted me to inform me that XXXX had reversed their claims decisions and had reprocessed all of the appealed physical therapy claims to {$20.00} co-pays for each visit. That same week, I received new EOBs from the hospital where I had the services completed which showed the new processed amounts. Because my hospital printed out new EOBs, my assumption would be that they would either contact MCA to stop the collection of a debt that was no longer valid, or that MCA would send me a new collections notice with the corrected amount owed. Neither of these things have happened, and I was recently informed that sometime between XX/XX/XXXX and XX/XX/XXXX, MCA reported my collections amount on my credit report. I was never given the opportunity to pay the amount I truly owed before they put the collections amount on my credit report and I believe this to be wrong because MCA is required by law to send me notice of the valid amount, but the last notice I received from them was no longer valid.
Consumer complaint received 2022-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

I was looking over my credit report and I saw this negative collection item of {$340.00} or something I do not recognized from a company called PENN CREDIT CORP the report shows the account was openXXXX XXXX 2019 and the original creditor was XXXX XXXX XXXX XXXX  I would like this to be permanently removed from my credit report
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (TX)

While reviewing my credit report I noticed these hard inquiries that I did not recognize : XXXX XXXX Equifax XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2020-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

We open 2 Account at CITI bank, one for me and one for my wife. We were instructed to transfer money into each account by making 2 wires, one for each account, which we did. CITI representative agreed that they placed both wires in one account by mistake, but in order for my wife to also receive the bonus, she must receive money from another source outside of CITI. So we needed to wire the money back XXXX XXXX  and have them wired into my wife 's CITI bank ' again. I spent over 3 hours trying to wire the money back from CITI to XXXX XXXX, but their system would not work. I called CITI and after 5 tries, their help desk asked me if I could go into a branch and she would send instructions for the branch manager to help me. Next day, the branch manager, who was already aware of this called and asked me to go into his office. I did and he did all the work for me and called it a success. Then the next day I called XXXX XXXX and they had not received he wire. I called CITI bank Wire department, and was told that all that needs to be done is for them to verify me and and sent the money. He did the verification and told that the money should be in my XXXX XXXX in on hour. One hour later, two hour later 3 hours later I called and the money still was not in my XXXX account. I called CITI bank 's wire department again a different person answered and spent the next 45 minutes talking with this rep. who was unable to send the wire. I asked to speak to hid manger. After a few minutes his manager comes on the phone. I asked for his name or his I.D number first, which he refused to provide. He told me that our account is too new and that they will not do the transfer. He said that they won't even send the wire back to were it originated from.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AZ)

The vehicle was stolen. My auto insurance paid the account then the remainder of the account should've been paid through the GAP   insurance that I took out when I purchased the vehicle. Santander has been very difficult to work with and is refusing to remove the account from a charge off status. This account shouldn't have been a charge off.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

While reviewing my credit report I noticed these hard inquiries that I did not recognize : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Transunion
Consumer complaint received 2020-11-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Hi I'm a XXXX Veteran i have been a member of USAA Federal Savings Bank for 8 yrs. I had purchase car insurance through usaa.I cancelled my car insurance with usaa on XX/XX/2020 every month since Ive had car insurance with them they have automatically taken out payments. They took out XXXX payment of {$440.00} from my checking account with them. I cancelled my car insurance on XXXX XXXX. They were also offering covid-19 payment plan so XXXX i paid {$51.00}, XXXX {$370.00}. The problem is they kept {$440.00} for the whole month of XXXX which I cancelled on XXXX XXXX. They say i owe them a balance of {$500.00} because they are still trying to collect and charge on a service I did not have anymore. How are they able to keep the car insurance payment for this month of XXXX and also charging me {$50000.00}. This company has had many complaints from other members about how they are cheating their members! I was also told by XXXX from the bank that if i ever get more car insurance from them i would have to pay {$500.00}. This is USAA Bank over charging people!! I have been an outstanding member of this bank! I shouldn't owe them anything they owe me a refund up until the time i cancelled with them on XXXX XXXX. Please investigate USAA! They are cheating members everyday!!! Please help me!!!!!
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 


Account name XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account number XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate information from my credit report. 




Thank you for your time and help in this matter. 


XXXX XXXX XXXX
Consumer complaint received 2016-04-17
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (ND)

Paypal is a site that allows consumers to send and receive money. Paypal also allows consumers to purchase items among consumers and hold funds in their systems for days before consumers can use the funds. I accepted a payment from a consumer on XXXX/XXXX/16 in the amount of {$210.00} and paypal released the funds to me on XXXX/XXXX/16. On XXXX/XXXX/16 paypal took the funds I had available and now they are being held pending an investigation, making my account go into a negative state. Ive also tried to delete my banking information off of paypal 's site as I wish to longer do business with them. They will not let me close the account which has my personal information nor remove my banking info. Paypal is a financial bully and sometimes charge your cards and withdraw money out of your account without confirming with with consumer first. And finally paypal does n't have a system what readily lets consumers know their prices and fees.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (FL)

On XX/XX/XXXX My husband ( XXXX XXXX, SSN XXXX   ) and I traded in for payoff, a XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. The XXXX   was financed in XX/XX/XXXX by XXXX XXXX ( fka XXXX ).

XXXX and I left the XXXX  at the XXXX dealership and took possession of a XXXX XXXX XXXX We were of the expectation that within 10 days Bridgecrest would be paid in full for the XXXX XXXX.

In XX/XX/XXXX, we saw a 30-day late on our XXXX   Credit report. We disputed it several times online to no avail. The most recent dispute is attached. This was filed after I personally spoke to Bridgecrest and XXXX and Bridgecrest stated they were not going to change the report. XXXX  suggested that I get more supporting documents, which I attached to prove that we were not at fault for the 30-day late. The General manager at the XXXX  dealership also drafted a letter stating the same and detailed the turn of events that resulted in the late payoff to Bridgecrest.
Consumer complaint received 2024-03-03
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. (GA)

In reference to complaint XXXX with Transunion. I would like a reinvestigation because I am in disagreement with the account listed below. Transunion updated the results as to no changes. This account still appears on my credit report as 30 days late on XX/XX/2022. I was in fact on time and the inaccuracies are highly injurious to my XXXX XXXX. 

XXXX XXXX- ACCOUNT # XXXX Transunion failed to provide proof detailing that I was late. My credit report should have only accurate information. I also attached my car loan statement proving that the payment was made on time. Please reinvestigate this matter and update the late payment as paid on time immediately. 
Thank you
Consumer complaint received 2023-04-04
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. (NY)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX  HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC (OH)

THEY BREACHED HIPPA! 
I received an account on my report through Elevate Recoveries LLC with no written notice, phone call, or anything about the account. Not only this, they have information that I never gave permission to have released through HIPPA. This is unacceptable, not only was there a failure to file a written notice they breached my write to privacy through healthcare. If the account isnt removed I will take further action.
Consumer complaint received 2021-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021, I sent a detailed letter to each of the 3 bureaus, advising them of errors that I wanted them to research. To date, I have yet to receive mail from the bureau. I submitted my dispute through the US mail and I noted on the disputes that I also requested to receive the answers to my disputes through the US Mail. I'm aware that the FTC did allow the bureaus some flexibility at the beginning of the pandemic, but there should not be any reason they can not reply to me regarding my concerns.