davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I simply placed an inquiry on line to be " preapproved '' for a loan amount and was then asked to " verify '' my information. The verification of my information was then taken by the company as a signature for the loan repayment. I never saw the terms of the loan, the APR percentage was only revealed after I verified my identity. Nowhere on that verification did it say that I was agreeing to the loan or the terms. The APR was then revealed to be 148 % of the original loan amount. When i attempted to return the money to the lendor, they stated that they could not take the money back but that I had agreed to pay it over the length of the term. Fraudulent and predatory practices!!!
Consumer complaint received 2020-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX I went to my bank to pay my rent from my social security funds auto deposited {$1.00}, XXXX XXXX ** ALL FUNDS for survival WERE STOLEN BY USSA AND FUTURE SOCIAL SECURITY BENEFITS OF {$2.00}, XXXX OVETDRAFTING ME in XXXX XXXX XXXX. USAA put in an Electronic Payment ( * I have NO ACCESS ON LINE ) using my XXXX  XXXX XXXX  Data WITHOUT MY PERMISSION. They used my data I had used for previous payments when I did owe. THIS IS IDENINITY THEFT XXXX NOT OWED I NEVER AUTHORIZED THIS IDENINITY THEFT DEBT IS NOT LEGAL TO COLLECT and Social Security funds are not allowed debt collection Humans have to live USAA IS ABOVE THE LAW CROOKS Area Aging DOJ will be here tomorrow. USAA does not care if elderly XXXX die from lack. USAA WAS FINED XXXX  XX/XX/XXXX but do not care They have Not stopped stealing from consumers.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I am complaining in the strongest possible terms about the circumstances regarding my house insurance premium not being paid to date. 
5/3 Bank has absolved me of the responsibility of paying the premium myself through the use of your escrow system. My premium was due on XX/XX/XXXX last. I received a letter from XXXX informing me that our policy was about to be cancelled on XX/XX/XXXX at XXXX. Letter dated XX/XX/2016. I received the letter on XX/XX/2016. I was on the phone at approximately XXXX, only to be disconnected at XXXX by your customer service rep XXXX. 
I then drove to the branch in downtown XXXX at XXXX. 
I sat with XXXX while she went through phone queue hell. While on hold, she explained to me that there was a glitch due to the bank having changed escrow providers, she also pulled up an internal email explaining to the staff of this problem. Your customers, me, were not informed of any problems with this at all, I had to find this out on XXXX when I visited the branch. XXXX was then told that the check to XXXX was in process and would be mailed the next day ( XX/XX/XXXX ) I was also told by XXXX, after she got in touch with XXXX, that if a check number could be supplied, it would give me a 10-day extension. Of course, there was no check number available. I left the branch at XXXX I got a voicemail from customer service on XX/XX/XXXX at XXXX explaining that the check had already processed and that a next day delivery was not an option. 
I checked my insurance online today and still no payment to the insurance company. I then went to the branch in downtown XXXX at XXXX and spoke to XXXX , ( or XXXX ) We spent over an hour in the phone queue to the Escrow department. We found out that the check was not mailed out till XX/XX/XXXX. We got the check number so that I could forward it on to XXXX insurance, if they do n't receive the check on the XXXX. 
I left the branch at XXXX. 
What I would like is the following : An explanation as to why none of your customers were informed of this issue. 
An assurance from 5/3 Bank that it will assume any responsibility for any claims that may arise until the insurance is back in force and in good standing An explanation as to why I was lied to at the branch about payment being made. 
Compensation for time spent trying to rectify this issue, in my case, 3 hours at my overtime rate of {$36.00} an hour. This is time that I used in excess of my normal working day.
Consumer complaint received 2023-08-13
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: Experian Information Solutions Inc. (DC)

I have attempted to dispute several incorrect items with XXXX that they keep reporting to Experian incorrectly about inaccurate missed payments. Experian is not allowing me to dispute this claim as Ive disputed in the past as theyve incorrectly reported I missed payments both in XXXX of XXXX and the latest being in XXXX of XXXX. Collectively this has severely impacted my credit score and lowered it over XXXX points. XXXX is violating the FCRA rules by not reporting as required monthly correct payments but choosing to sporadically report incorrect payments which has had a negative adverse impact on my credit that will stay on my report for 7 years or more and Experian is equally as negligent as they are allowing this.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Received credit report. The amount owned and what I paid on the credit report is inaccurate. 

The amount is lower and what I should have paid what XXXX has submitted to the credit bureau. What XXXX asked during foreclosure and pay off was over XXXX more than what I should have paid. 

XXXX XXXX states one thing on the Credit Report but request a larger amount during payoff. 

XXXX XXXX manipulating facts as usual. 

XXXX XXXX never contacted me regarding settlement of the XXXX XXXX dollars for customers past and present. 

The worst is the confusion of the whole mess starting in XXXX or XXXX when XXXX XXXX bought XXXX out and when my account split. No major explanation was given until it was to late. Customer Service was ill informed from CEO 's and Board which they informed the customers. 

Experian : XXXX the account # XXXX is a medical bill from XXXX. {$1200.00} goes back to XXXX. Why is it still on my credit report. Changing dates and manipulating the dates. This needs to be removed immediately
Consumer complaint received 2023-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

I till have been chagred for {$430.00} since XXXX XXXX 

In XXXX  I already paid on XXXXXXXX  and XXXX. 

Total two payments were {$860.00}. 

Until today a company wanted this amount ( XXXX ) again.
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

Every year about this time a debt collector contacts me and saying I owe XXXX XXXX XXXX {$10.00}, XXXX. I do this every year and it hurts my credit score. I want it permantly fixed.
Consumer complaint received 2019-04-10
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. (TX)

There are too many inaccuracies with this account. Which is in violation of the FCRA. Everything posted must be 100 % accurate. How is that so when these two agencies are reporting different information. Please delete this account. view attachment XXXX XXXX Date open XXXX XXXX XX/XX/XXXX Last reported XXXX- XX/XX/XXXX XXXX XX/XX/XXXX Date last Active XXXX   XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (SC)

Its about a medical bill that was already paid by my health insurance company. 

I sent complete details about this debt issue too the insurance company. 

I have been calling since this issue of a bill started. 
I have XXXX and XXXX and this bill was covered. 
I keep getting the runaround from the hospital itself stating that it was paid. 

I have been trying too get this bill fixed and it is frustrating. 
I keep getting the bill and now its in my credit report. 
I dont know what else to do in this situation.
Consumer complaint received 2023-02-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (TX)

This debt is reporting incorrect information on all XXXX reports. The date open is all different as well as the credit type, and date closed. This information is very misleading and incorrect. I have attempted multiple times and for multiple years to have the information corrected or deleted. Neither has happened and it is currently showing different on all reports. I am asking this to be removed.
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NM)

The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. Midland Credit Management claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with Midland Credit Management, I DID NOT ASK for it nor are they privy to contract with me. Midland Credit Management has been negatively reporting on my credit report for 4 YEARS, 11 MONTHS and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. Midland Credit Management only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to Midland Credit Management, they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE Midland Credit Management and original creditor anything.
Consumer complaint received 2020-09-15
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. (LA)

I have contacted the credit bureaus on multiple occasions and they have yet to fix my issue. I have multiple inquiries on my credit report that I did not authorized and I need them removed immediately.
Consumer complaint received 2024-05-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (AK)

I used this money to pay my over due phone bill {$600.00} because my phone got turned off and I had nowhere to turn. I want to report this company as an unfair lender because they have hidden their interest payments when signing paperwork that I am only paying {$25.00} towards the loan and they are taking the rest as interest. My payoff is more then I got the loan for even after making XXXX months of payments and I will do everything I can to show people of their shady lending business
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had XXXX XX/XX/. The MD and I filled out XXXX forms from EDD and I was TOLD I was sent a card with {$4700.00}. The card was lost several times before I finally got it. 

I finally got the card on XX/XX/2021, ALL THE MONEY WAS GONE except {$48.00} I HAVE BEEN FIGHTING WITH BANK OF AMERICA FOR 2 YEARS. I HAVE SENT IN FILES AND PAGES OF REPORTS I WAS ADVISED TO FILL OUT. THE MONEY WAS STOLEN OFF MY CARD AND TRANSFERRED TO SOMEWHERE ELSE. 

I HAVE NEVER SEEN MY XXXX MONEY FROM MY EMERGENCY XXXX I AM A RESPONSIBLE AND PROFESSIONAL. I AM SO FRUSTRATED, THE BANK HAS BEEN TELLING ME FOR 2 YEARS IT WILL BE SOLVED SOON PLEASE CAN SOMEONE HELP ME!!!!
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (GA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-05-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On or around XX/XX/XXXX of 2021 I pulled my credit report to get an update on my current standing. On the report showed 2 accounts that were unverifiable by myself. I proceeded to write to the lending institutions to request " DEBT VALIDATION '' specifically and not debt verification. I did not receive said validation in their response to me. I then went ahead and filed a dispute letter with all 3 credit bureaus about these accounts and stated in the letter that whatever conclusion they come to i would like written proof of their investigations and findings. All 3 credit bureaus sent me a letter saying the debt had been verified along with a copy of my credit report, but no proof of how it was verified. I have written them several more times since then and they have repeatedly have given me the same response regardless of the fact that i have been demanding proof of validation of said debts. I believe that all 3 bureaus ( Transunion, XXXX  XXXX XXXX ) are all in violation of FCRA statutes.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (WI)

Equifax has apparently signed me up for a 'ScoreWatch ' service, which I never ordered. I purchased a one-time credit report from them on XX/XX/XXXX, and found that magically I also made a purchase on XX/XX/XXXX for something called 'ScoreWatch ' - which was not actually me. I did n't buy that XXXX. I used to work for a XXXX XXXX XXXX company that sold that XXXX, and know it 's not useful and a waste of money. I would never buy that. That purchase shows a cancel date of XX/XX/XXXX - so it seems they billed me for it for a month then cancelled it automatically, to get that extra payment from me. I 've had issues with these people before, where they kept autorenewing a cancelled product purchase, and not actually cancelling my order after calling in to cancel it and being told it was cancelled. Now I just called in to ask them to cancel this current scam, 'ScoreWatch ' ( even though it shows as cancelled, I wanted to make sure ) - and the guy tells me 'due to technical difficulties, we cant help you at this time. Please call back in two to three hours '. I said " ok ... .but '', and he says " its just due to technical difficulties. please call back ''.
Technical difficulties my XXXX. It 's a tactic to generate what the industry calls 'breakage ' - people forget about their coverage/policy, so they continue to collect premiums/revenue with no actual cost or risk to them. By the way, the guy I spoke with I got to through their menu options specifically for 'cancel a paid equifax product ' - if their system was actually down for technical reasons, they would have worked with the telecom system to instruct callers to call back - unless their call center is playing games to make their service levels look great ( 100 % of calls answered within 60 seconds! Because they are basically answering then telling people to hang up and call back .... ). Equifax is a sketch company, and they need to fix their practices. I 'm glad you had that settlement with them recently for deceptive practices in regards to score costs. They deceived me, multiple times. I wish that I would be refunded some of that settlement money. They need to be hit in the pocket book for anything to matter to them, I know how compliance departments work at these companies. They dont give a XXXX about compliance, except in as much as it risks their bottom line. Equifax Complete Premier PlanXX/XX/XXXX XXXX Details XX/XX/XXXX Equifax Credit File XX/XX/XXXX XXXX XX/XX/XXXX Equifax Complete Family Plan XX/XX/XXXX XXXX Details XX/XX/XXXXEquifax 3-Bureau Credit Report and Scores XX/XX/XXXX XXXX Details XX/XX/XXXX XX/XX/XXXX Equifax Complete Advantage PlanXX/XX/XXXX XXXX Details XX/XX/XXXX Equifax 3-Bureau Credit Report and ScoresXX/XX/XXXX XXXX Details XX/XX/XXXX XX/XX/XXXX Equifax 3-Bureau Credit Report and Scores XX/XX/XXXX XXXX Details XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-12-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: QC HOLDINGS INC (IL)

While coming into this location today I entered trying to pick up a XXXX XXXX. The representative was immediately rude " XXXX '' I believe was her name. She told me I needed two forms of ID in which I informed her I was just at that location and helped two days ago by the representative sitting right next to her. She immediately started to have an attitude putting her hands up as if to tell me to XXXX XXXX then literally telling me it doesn't take all that. I told her she was being rude and she continued a banter back and forth which led to a full argument. She began to tell me that she was going to look into the records to find out where I lived. As I left I told her she was rude and that she walked in the store through the door like everyone else to emphasize we are all human beings and she then to go back and forth calling me a " XXXX  '' word repeatedly and saying she was going to find out where I lived. I perceived that as an immediate threat and breach of consumer records and I told them I was calling the police which I did. The manager did nothing to tell the worker to stop cursing me out and threatening me and she then told me to leave the store even as her employee was cursing me out in which she sounded as if she was on drugs or drunk. I found this even more frustrating as I called the customer service line and had the operators bounce me around to random voicemails and claimed no supervisors or managers were available. I have never been spoken to in such a way. I informed the manager that I would be reaching out to have the corporate offices pull the audio and video. When I asked the manager if the cameras also record audio the manager refused to answer the question and allowed the worker to continue to rant at me and call me a " XXXX ''. I can not believe I had my life threatened and a worker flat out say in front of her manager that she was going to go into the records to find out where I lived.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-12
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: EQUIFAX, INC. (MS)

Please see the attachment, concerning my recent correspondence with Equifax. Equifax has violated my rights pursuant to FCRA 605B ( 15 U.S.C. & 1981 c-2 ) by not blocking and/or removing fraudulent accounts and inquiries within 4 Business Days of receipt. On XX/XX/2019, I mailed Equifax a certified mail, return receipt request letter, with the police report attached, stating that I am a victim of identity theft and to block the information that is the result of identity theft. They received the information on XX/XX/2019 and instead of blocking the information, they imitated a dispute. They sent information to my email on XX/XX/2019, stating that they want me to receive the results through via email. I never  authorized them to contact me through my email ; in fact, I mailed them all of the information that they needed. On the results they mail me dated XX/XX/2019, they stated that they will not block the information on my credit file and will contact the creditors on my behalf.