davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc. (WV)

On XX/XX/2022, my father called me to tell me that a company was trying to get in touch with me about a debt I owed. The message they left on my parent 's answering machine implied that I would be served to appear in court in XXXX XXXX, WV if the debt was not taken care of. I called the number that was left in the message on XX/XX/2022 and was informed that two outstanding debts are in default and the loan holders were going to press charges. I was told I could be sued for {$1500.00} or pay them {$650.00} and they could take care of the situation. I asked what debts specifically they were trying to collect, upon ; I was told they were just the legal department of a third party company, and I would have to call Advance America to backtrack the debt. I said I would call them, I looked up Advanced America online, and they are a payday loan service operating out of Indiana, with no branches in West Virginia, where I live. Later that evening, my youngest brother, who I haven't spoken to in years, called me to say they also called him trying to find me. I haven't changed my address or phone number in years, and I have never been contacted my the representatives of any company in regards to Advanced America, as I have never applied or received a " payday '' loan
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This information is not mine. I have sent letters and called to report this issue for over 4 months. I was informed that the information would be removed. It is still showing on my report. It does not belong to me. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2022-05-05
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-03-16
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 the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : 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.
Consumer complaint received 2022-03-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ATHAS CAPITAL GROUP, INC. (NC)

Athas Capital Group Inc. is advertising Business Purpose - DSCR loans on its Website to the public. My family would like to purchase a condotel in XXXX XXXX, SC ( note, a condotel is the same as a condo accept condotel units offer Hotel style short-term rentals ). Athas Cap advertises the type of business loan I need. This is why I chose Athas Cap.

My complaint is twofold concerning two properties. My 1st complaint is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. I went under escrow after I received Conditional Approval from Athas Cap. This property has since fallen out of escrow because Athas Cap failed to secure my loan. All that was left was to receive Clear to Close from Athas ' Underwriter ( s ) and upon receiving XXXX my Athas Cap Account Executive, XXXX XXXX, would notify my Title Company, XXXX XXXX, of the Clear to Close so then XXXX XXXX could schedule a Closing Date. The continuous promises by XXXX XXXX and Athas Cap went on for days, which turned into weeks, which has turned into months. The Seller provided extension after extension. It became well known amongst XXXX XXXX XXXX that XXXX XXXX was failing to provide loans as advertised. My understanding from an XXXX I know well is that, of his 12 loans, Athas Cap has only funded 1 out of 12. All others fell out of escrow, including his own, for failure to acquire the necessary funding. Each of these consumers, including my family, have lost our properties because Athas Cap falsely advertises a product to the public which they fail to provide. 

My 2nd complaint is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. This complaint is similar to above accept that I am still under escrow for the property. I fear losing this property because of Athas Cap. I request that Athas Cap either provide DSCR - Business Loans like they advertise or they are audited to find out why. If Athas Cap is found to be out of compliance then shut them down. Athas Cap does not serve the public 's best interest, erodes consumer confidence, and has negatively affected many homebuyers in the worst way possible -- not providing what it advertises it will do -- to the point where families lose their property.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CO)

Fedloan is not reporting student loan balances in 30 or 45 days time to Credit reporting agencies. I have been waiting since XX/XX/XXXX for them to report a {$25000.00} payment on my student loans. Showing a new balance of {$28000.00} and not a balance of {$39000.00} on my credit reports as of today XX/XX/2022.
Consumer complaint received 2022-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc (FL)

On XX/XX/2022, Plus Four put a {$250.00} collection on my account. I have no idea who Plus Four is and don't owe anyone any money. Lastly, no attempt was ever made to contact me by Plus Four. Please remove the Plus Four illegal collections account from my XXXX credit report. 


Plus Four Amount {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX
Consumer complaint received 2019-08-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IL)

i have struggled to pay the monthly payments for the last few years. I recently had XXXX and lost my job. it took a few months to find a job and its been hard catching up. I attend XXXX XXXX and they recently was found guilty of fraud. I got this loan because i showed proof i was a student there. 
So i feel i would have never taken this loan out if i wasn't in school. my life has been ruined since this loan. If XXXX failed me then everything tied to them should be forgiven and refunds
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

Comenity Bank delays processing of payments to facilitate charges of interest and late fees. 
I always pay my outstanding balance as soon as the statement arrives. 
One month I made two large purchases and had a balance in excess of {$10000.00}. 
I made certain the payment went out the day after the statement arrived. 
Eighteen days later no payment was posted to the account and the check had not cleared my bank. 
I messaged Comenity that the check must be lost or stolen and I was stopping payment. 
The next day Comenity posted the payment and attempted to process the check, but the stop payment had already taken effect. 
It is highly unlikely a payment could be lost in the US postal system for two weeks and ever arrive. 
It is even more unlikely that a payment could be lost in the US postal system for two weeks and arrive the very same day as a message stating that a stop payment order had been placed on the check. 
Comenity denied a request to reverse either the interst or the late fee. 
Copy of messages exchange with Comenity attached
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RESPECTFULLY REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN BEING AND NOT AN AUTOMATED SYSTEM. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Credit Limit : {$5000.00} XXXX XXXX Account Number : XXXX is my oldest tradeline account with excellent payment history and, contributes positively to my average age of accounts. I never requested or consented for the removal of this account from any of my credit reports. Because the account was removed in error, it severely impacted the average age of my accounts. To help fix the problem, I submitted complaints to the credit bureaus to advise that the account number reported was not congruent throughout all three credit bureaus- XXXX, XXXX, and TransUnion. XXXX reports the account number as XXXX, while both XXXX and TransUnion report the account number as : XXXX. In addition, the payment history for this account was also reporting inaccurately, late payments. I was never late because I had a written agreement in place authorizing payments from my bank account. 

The response received from the credit bureaus after I submitted multiple complaints to them is that the account is not on my report and that they will send me a new credit report to reflect this update. THIS IS NOT MY REQUEST!!! I never requested or authorized anyone to remove the account from my credit report in the first place. Therefore, I demand for the account to continue reporting on XXXX, XXXX, and TransUnion. 

Attached is documentation in support of this complaint.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CT)

They are calling my relatives asking about my debt and requesting I call them back. They have no right to do this. Also, the company keeps calling and with different numbers over and over!!! Enough already ... I know I owe debt, give me a break ... stop with the calls and don't call my family!!!!
Consumer complaint received 2017-09-08
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. (IL)

My personal information ( name, social security, date of birth, etc ) was part of the data breach by Equifax. They have confirmed that my information was affected. I believe that a company that holds such important documentation for many people should be much more secure in their work.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX, XXXX Purchased a falafel from XXXX XXXX XXXX XXXX & XXXX XXXX At time of purchase, merchant failed to provide a reciept or show the POS for authorization. Original price for XXXX  stated on truck was {$6.00}. 
XXXX XXXX I check my bank statements and see a charge from the foodtruck for {$100.00}. I immediately call chase to dispute, as foodtruck does not have phone number posted anywhere. Chase applies a credit of XXXX to my account. 
XXXX XXXX, XXXX Chase does a chargeback on my account for the same amount. I call 3 times & recieve various responses but none stating WHY, except that " merchant provided a reciept ''. Chase claims they are no longer able to help me & i would have to contact the merchant. ( a foodtruck? with no number or address ) Thankfully i recieve a letter including the documents the merchant provided as " proof ''. Within the documents, I noticed the date/time at the time of sale the merchant provided was WRONG, time of purchase was XXXX am XXXX & the reciept they provided clearly states XXXX am. I bring this up to chase, and the agent over the phone AGREED that was a overlook, but i had to fax the documents where that was evident. 
XXXX, XXXX chase sends a statement saying nothing changed & the claim is closed, DESPITE validating the reciept was fraudulent. Their reason was " the merchant said services were provided '' The merchant was able to OVERCHARGE me, PROVIDE AN ALTERED SALES RECIEPT, PROVIDE NO AUTHORIZATION OR SIGNATURE FOR THE EXACT AMOUNT BUT THEIR CLAIM IS MORE VALID THAN MINE? Gross negligence, terrible customer experience not only from merchant, but the bank i've been with for nearly 10 years.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX TransUnion stated that they verified with my County court office that they reported a public record of income tax. They do not report anything to the Credit Bureau report. I have called and verified with my county clerk office that they do not report anything personal to the credit bureau. I would like to know who TransUnion use to verify this information when I have verified with my county clerk office that they do not report any information.
Consumer complaint received 2016-01-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

This complaint is against Springleaf Financial. The loan was acquired in XXXX of 2007. The loan amount was for XXXX dollars. With interest it totaled XXXX dollars. I 've paid about XXXX. I still owe XXXX. How is that possible? I paid XXXX a month until they told me to pay XXXX a month. When you look at the payment history, some months nothing went toward the premium. Some months maybe XXXX or XXXX dollars went toward the principal. They are a rip off. How can you pay XXXX on a XXXX dollar loan and still owe XXXX dollars, which was what you borrowed. I saw some review about Springleaf on the internet and XXXX lady said she had the loan before she bought her car and has since paid her car off but still owe Springleaf XXXX dollars. Someone really needs to do something about them. They are taking people money. Especially the elder. The loan has really been paid off and they still want XXXX dollars. If nothing can be done, I 'm going to the media. I 'm also XXXX and have to get my daughter to deal with this problem. Also I have tried to get them to send me cancelled checks because they said I borrowed XXXX and XXXX after the intial loan which I did not. They can not show me who received the money because it was not me. They have no way of showing who received the money
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (TX)

I contacted the credit reporting agencies and informed them of the attached document and list of inquiries ( reporting as aggrevated identity theft ) that are not authorized or should be visible on my consumer report.
Consumer complaint received 2022-05-05
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. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

I noticed my account was way lower then it should have been. When going over each withdrawal I noticed there were quite a few thats I didnt authorize. I reached out to my bank and canceled my card. I even closed my account down on the phone and got another phone so whoever had my info didnt anymore. I then get a letter from my bank that they are not going to honor my disputes and put the money back in my account. The letter that was sent to me had a phone number on there if I had questions. I called this number several times a day and was on hold for a hour EACH time. So for days I used my whole lunch break being on hold as well as at home being on hood for at least a hour. Never could get anyone on the phone to answer my questions. I have called different times of the day hoping for different results. I have received nothing.
Consumer complaint received 2022-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pacific Rim Alliance Corporation (AZ)

I received calls and asked what the debt is for in writing and never received any information in writing to confirm that a debt was owed. This was placed on my credit report which will possibly hinder me from going to school. I am a XXXX XXXX and rely on financial aid via loans and this inaccurate information will prevent make from enrolling in my classes scheduled for next semester.
Consumer complaint received 2021-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-09-08
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. (AZ)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach inXX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach and covering the cost of any fraud that this may cause. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.