davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (GA)

I received a loan with Mariner Finance. I made more than the monthly payment on my first month and my balance did not reflect it. I was told in XXXX of XXXX that my payments were current until XXXX of XXXX. I wanted to pay the principle as explained to a Mariner finance. She explained making payments online will go towards the monthly payment. When I said I want to pay my " principle balance '' in XXXX and XXXX my balance was still not correct and found my payments current until XXXX XXXX. I would like the finance and interest charges from XX/XX/XXXX to XXXX XXXX returned. 

XXXX  closed my case because Mariner Finance employee was able to copy and paste their previous message when I asked for specific calculations. I feel wronged and I need your help. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (VA)

SCA Collections of XXXXXXXX XXXX reported the account to the XXXX credit bureau, stating I owed {$180.00}. This amount was paid to the collections agency on XXXX, by check. I had received what appeared to be a duplicate collections notice with the same debt amount and account number. I enclosed a letter to the collections agency requesting that they verify the second letter represented an additional debt and was not a duplicate. I received no response from them until today, XX/XX/22, when the account was reported to the credit bureau, thereby damaging my credit. I believe this to be a violation of the Fair Debt Collection Practices Act, which states I have a right to written verification of any debts upon request.
Consumer complaint received 2020-12-20
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. (NC)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NJ)

I have the Rushcard. I 'm sure you are aware to the current issues. I was unable to use my card for transactions since they updated their system over 12 days ago. I was unable to pay for my mail order medication so I was without for 5 days. I was unable to pay an emergency room co-pay because I could n't use my card. I was forced to go the the emergency room because I was unable to get my medicine because I could not use my Rushcard. I called Rushcard was on hold for over an to only be told we do n't know when our system will be working. Then today I received a email from Rushcard telling me they can not locate my account. This is unacceptable
Consumer complaint received 2015-05-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (MI)

Source RM Receivables repeatedly calls me for what they claim to be a {$300.00} from a XXXX Hospital in XXXX XXXX. I dispute this bill as not mine or owed as I was insured at the time. In addition, they continually refused to provide me with their company name/ contact information/ and repeatedly refused to provide me with a supervisor to speak to ; just put me on hold and had the same representative I spoke to 'pretend ' to be a supervisor, when I repeatedly stated I do not owe this debt they stated they would put my account as 'refuse to pay ' as opposed to actually verifying any information with me regarding it being a legitimate debt.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I got my credit report, and there was a lot of personal, inaccurate information. My name is XXXX XXXX XXXX, and my address is : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Delete everything else.

I am an informed consumer and I know my rights Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ), I am a federally protected consumer, and I have a right to privacy.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I sent in numerous ftc documents and proper documentation under the FCRA 15 USC 1681c-2 to have information blocked and deleted from my consumer credit profile theses companies disregarded my federal law rights and now will be held liable for these violations.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Received a settlement offer on a credit card account and sent payment XX/XX/2021. The money order was not accepted so it was to my understanding that the debt was not owed anymore. Portfolio Recovery checked my credit profile and said that they were now the owners of the debt after XX/XX/2021 after the payment was already made to XXXX XXXX ( the original debt buyer ) portfolio damaged my credit worthiness in relatiation to me stating that they didn't report on my credit profile prior to our conversation. This has done extreme damage to my ability to seek employment and other forms of credit. I would never imagine a business would be vindictive in a time where everyone is suffering due to the current situation we find ourselves in with covid 19 and a weak economy they see as a time to capitalize on misfortune.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I sent in numerous ftc documents and proper documentation under the FCRA 15 USC 1681c-2 to have information blocked and deleted from my consumer credit profile theses companies disregarded my federal law rights and now will be held liable for these violations.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am Owed {$1000.00} in Statutory damages for each file that was incorrect in credit file. I have disputed these issues for a full 12 months and even while they have been removed. Compensation was never given for errors
Consumer complaint received 2023-03-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (CO)

Cash Colorado LLC d/b/a Speedy Cash failed to exhaust all administrative remedies before filing a lawsuit. I did not know I had an outstanding debt with Cash Colorado LLC until they served me with a summons ; I thought I had paid it in full ; because I had not received any bill or correspondence from Cash Colorado LLC. The attorney fees, court fees, and interest are out of my means to pay.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent in numerous ftc documents and proper documentation under the FCRA 15 USC 1681c-2 to have information blocked and deleted from my consumer credit profile theses companies disregarded my federal law rights and now will be held liable for these violations.
Consumer complaint received 2022-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am XXXX XXXX. I am the living person, I am XXXX. I am submitting this complaint. No 3rd party involved. No Authorization needed. THERE ARE A FEW ACCOUNTS OPEN WITHOUT MY KNOWLEDGE. MY PURSE was stolen or misplaced WHICH HAD ALL MY INFORMATION IN IT i was not able to locate it during the months i was sick fighting for my life During the time I was fighting XXXX I was I REPLACED ITEMS THAT WAS LOST IN MY WALLET I DID REPLACE MY ID AND SSN CARD. I ALWAYS USE MY XXXX XXXX FOR MAIL SINCE ITS MORE SECURE THEN THE APARTMENT MAILBOX NOW IM SEEING DIFFERENT ADDRESS THAT IM HAVE NO IDEA ABOUT ON MY CREDIT AND NOW I FOUND OUT THRU MAIL I HAVE CREDITORS ASKING FOR MONEY AN THREATENING ME AND FAMILY MEMBERS. I DID HAVE AN INCIDENT WITH MY CELL PHONE SIM CARD KEEP GETTING DEACTIVATED I HAD TO KEEP GOING TO THE STORE AND GET A NEW SIM CARD EVENTUALLY A NEW PHONE TOO BUT THE IS ALL I CAN THINK. MY IDENTITY WAS STOLEN AND I NEED TO FIX IT
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and won't help me get it back or even let me withdraw my money. I don't know if this is a bug, because I suppose it should be. I work as a XXXX  on XXXX and I use paypal as the payment method I send my money to. Suddenly I found out that my money of about {$7000.00} is limited and I can't withdraw it, money I have worked for about 3 years. I hope you can really help me solve this problem I will leave my ID that is associated with Paypal in the documents section. This is the email associated with Paypal XXXX XXXX
Consumer complaint received 2022-04-13
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. (GA)

Round about XX/XX/2022 the company responded to a compliant I raised for serveral bankruptcy accounts that appear on my credit report. Even though the case is still open on the CFPB site I reviewed my Experian credit report portal and these items were verified and remains. I still did not get the a response on who verified this information and I have requested several times asking for details of the verification and these items still remain even though all of the public information are frozen. The documentation previously provided shows the dates and pubic resource of when these freezes were placed however the credit bureau stated that they could not used the documentation I provided
Consumer complaint received 2022-04-13
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. (NC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2023-07-06
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. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-04-13
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. (MO)

15 U.S.C 1681 section 602 A - right to privacy 15 U.S.C 1681 Section 604 A - States a consumer reporting agency can not furnish an account without my written Instructions! 

Ive also sent a letter which will be attached! The letter was sent in XX/XX/XXXX and I have not heard anything back! Its been past 30 days
Consumer complaint received 2022-04-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, my name is XXXX XXXX and I have for the past 6 months reached out to XXXX, transunion, and XXXX in hopes of fixing my credit submitting all information required such as identification, dispute items, with account # s and still to this date I have had no traction in my disputes. XXXX for the past 3 months have been sending me my results for the disputed accounts pending, then saying its completed with an empty report # saying I have to pay {$20.00} for the results and then saying it can not be found. The debt I am disputing is still unverifiable nothing has been sent to me and I am just trying to get an apartment in which I can not have my credit fixed for the life of me. As these reporting agencies are just taking advantage and violating FCRA laws in which they just are not responding especially XXXX, Transunion and XXXX.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of the South, Inc. (LA)

I noticed in my XXXX XXXX that my XXXX XXXX dropped significantly. I found out that there was a collection on my report over $ XXXX from XXXX XXXX XXXX Louisiana, a XXXX XXXX office that I visited about a year ago. I never received a bill from the XXXX XXXX office and I never received a collection letter. From my XXXX account I learnt, that the collection agency in question is : DELINQUENT RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX I spoke to XXXX XXXX XXXX XXXX XXXX XXXXf Louisiana, a woman named XXXX XXXX, who admitted that they sent my medical bill 4 times to an old address from about XXXX  years ago and the letters never came back, so they were under the impression that I received the letters and did not respond. Then they sent the bill to collections. The XXXX office had my correct current address but medical billing did not update it. 
I filed a dispute with XXXX and the dispute returned the result that the collection was justified, which is clearly not the case. 
Could you please investigate, because I have the confession of a XXXX XXXX person that the mistake was on their end and the collection was not justified. 
Thank you very much. 
Best regards, XXXX
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

I closed my Chase credit card XXXX XXXX XXXX XXXX about 2 months ago on a {$0.00} balance. Today suddenly I received a bill for {$270.00} with series of transactions that I did not authorize/ had no knowledge of.
Consumer complaint received 2022-04-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Hi, my name is XXXX XXXX and I have for the past 6 months reached out to experian, XXXX, and XXXX in hopes of fixing my credit submitting all information required such as identification, dispute items, with account # XXXX and still to this date I have had no traction in my disputes. Experian for the past 3 months have been sending me my results for the disputed accounts pending, then saying its completed with an empty report # saying I have to pay {$20.00} for the results and then saying it can not be found. The debt I am disputing is still unverifiable nothing has been sent to me and I am just trying to get an apartment in which I can not have my credit fixed for the life of me. As these reporting agencies are just taking advantage and violating FCRA laws in which they just are not responding especially Experian, XXXX and XXXX.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

The company XXXX XXXX  XXXX XXXX XXXX XXXX is reporting the account was included in a Chapter XXXX Bankruptcy. That information is false! 

The credit Card was issued in XX/XX/2017 well after the Bankruptcy was discharged.

My Bankruptcy was XX/XX/2017 and discharged 90 days later which would be XX/XX/2017. This card was issued XX/XX/2017. This was the first card I received AFTER my bankruptcy. So it could have never been included in the Bankruptcy.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I opened an acct with Chase online- they then locked my acct, later closing it, stating that it was marked for fraud and I needed to bring XXXX forms of ID into branch to prove my identity. I brought the XXXX forms of ID into a branch. I was told that my check should be sent in the mail. I call the customer service line the same day later in the day to ask when it would be sent. 

They then tell me I need to bring XXXX forms of ID into a branch- to which I reply that I was at a branch earlier in the day and presented my forms of ID. They tell me they have no record of me having been in the branch that day. 

Last Monday ( XXXX ) I went into a branch and spoke with a banker who spoke with a customer service rep who advised I needed to present XXXX forms of ID to release the funds. I presented the forms of ID. They told me that was sufficient and that my check would come in the mail within XXXX business days. I asked if they could release my money in the bank that day as I was struggling for funds. They told me no, so I waited. 

This Monday ( XX/XX/XXXX ) rolls around and I notice my check still hasnt come. I call customer service to see whats going on and they advise me that my request was denied because I didnt provide proof of address ( they didnt ask me for it. ) I ask if I can email it as it is difficult for me to go into a branch as I do not drive and I also usually work during the hours the branches are open. They say I can not. 

The same day later in the day I go into a branch. The banker calls customer service and they advise I need to provide proof of address. I provide my power and water bill. They upload it and say I need to reach out to customer service to confirm receipt/decision within XXXX. Nothing is mentioned to me about any issues with the bill I provided. 

The next day ( today, XX/XX/XXXX ) I call customer service and they tell me that my request was denied because the bill was past due- this was not ever something that was mentioned was an issue when I was in the branch or the many times Ive spoken to customer service. I need my funds released.
Consumer complaint received 2022-07-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/2022 closing attorney requested partial payoff and release from a portfolio loan. Mortgage company - Select Portfolio Servicing submitted a payoff figure for the full amount of the loan - not the partial as per the loan documents - page 45, section 25. This is holding up our closing and funds dispersal. Select Portfolio Servicing, Inc. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX
Consumer complaint received 2022-04-13
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. (NY)

Santander consumer USA keeps reporting inaccurate information on my credit reports knowing that its all wrong what they are reporting no closed no date of last activity date of first delinquency even a date of first major delinquency on the day they sold the account its been more than 8 complaints and disputes with The CFPB compliant numbers XXXX XXXX XXXX XXXX now that they were sued for this they still have not updated my reports