davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc. (NC)

Hello, I have been using the XXXX application for over XXXX  years. It is a peer to peer lending site that portrays itself as looking out for its customers, being low apr etc. 
When you request a loan you go through a few step process where you select your loan amount. It then asks you how much you would like to tip the lender which can be any amount. 
It THEN asks you how much you want to give as a XXXX donation being a donation you are giving to the company for the service. The lowest amount shown on this screen is 7 % - you are not able to select XXXX or a lower amount. It makes it seem like it is a mandatory part of the loan. 
Therefore I expected it was and always selected the lowest option being 7 %. 
I have taken XXXX loans with this company since 2020. 
I have just realized within the past few weeks that you can go and toggle donations to off within settings so that it does not force you to give a donation during the process I feel like this is highly deceptive- I would have never give donations if I knew this was an options. 
I have ended up giving thousands of dollars of donations to this company. 
Obviously I wish I didnt have to resort to those loans but I feel like this company is taking advantage of those in poor financial situations. 
I see now on their website that they try to make it more clear that the donations are optional because people have complained but I joined in 2020 and I feel certain back then they did not make this clear. 
I see multiple states have forced them to return the tips and donations to its customers and now your organization has filed a lawsuit. 
I am requesting XXXX be forced to refund me all donations that I have given to the company. This is totaling in the thousands. 
I sent a request to them yesterday and have not heard back. 
I wanted to provide my complaint to you and also hopefully you are able to assist me In this matter.
Consumer complaint received 2022-05-12
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX ( Original Creditor : 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 an account without my written instructions.
Consumer complaint received 2022-05-12
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: U.S. BANCORP (KS)

On XX/XX/XXXX I was alerted to a credit inquiry by third party monitoring company called XXXX. 

I called XXXX and the inquiry did not display any additional information other than the Inquiry was being reported by XXXX. The XXXX representative said that it was likely a glitch since there were no details with the inquiry and said to check back in a couple days as it would likely " just go away ''. 

On XX/XX/XXXX I was alerted again, this time by XXXX, that there was an inquiry on my credit via XXXX. This time I created an account with XXXX and immediately froze my credit. I also froze my credit with XXXX. All XXXX bureaus are now frozen and a fraud alert has been placed. 

I then called XXXX ( who were not very helpful ) but was able to determine that a company called " ELAN Financial Services '' pulled a hard credit inquiry against my credit. I am not seeking credit, applied for credit or have done anything that would facilitate a inquiry. 

Now knowing the source of the inquiry, I called ELAN Financial Services in an attempt tp get more details. I was placed on hold indefinitely, hung up on and basically no one could or would try to assist. 

At this point XXXX says I need a report from the FTC which states that this inquiry was indeed fraud, which then starts a process to where the financial institution ( ELAN services ) will be " officially '' notified of the fraud. In the meantime, ELAN is likely processing the credit application and will approve credit for the criminals who started this whole thing. The process is so slow, that the damage is done before you can even get started to ty to stop it. 

I am asking for help here, to stop this in real-time and hopefully stop a criminal from getting a free payday. XXXX says I need a report from the FTC, but didn't/could n't tell me, nor can I find what type of report I need to get from the FTC. After I get a report from the FTC, I then need to send the report to XXXX with an Authorization letter to remove the inquiry from my report? How does this stop the end-criminal, what are the next steps? Very frustrating. 

I would sincerely appreciate any help you can provide with this issue.
Consumer complaint received 2023-09-27
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. (CO)

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.

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 2022-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX I sent a letter by Comenity Capital Bank that my limit was decreased. I have been a loyal customer to this card for over four years. They have done this to me twice. I have been good with my payments and haven't missed one in years. I pay more than the minimum limit and again they have done this to me twice. My score is low due to my wife being sick and our limits going up on my cards. However these people lowered my limit which means they are basically kicking me when I am down. I called today and they give me XXXX  number... basically " shooing '' me away. I have not been neglectful to this bill and I have been on time with my payments. I just want to be treated fairly and this is the only card that has done this to me.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX ) and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (PA)

In XX/XX/XXXX I had a XXXX XXXX taken at XXXX XXXX in XXXX, PA. I have been a patient there since XXXX. Each time I have XXXX XXXX XXXX they require a copy of my XXXX XXXX XXXX XXXX cards. I gave them on this visit as well. But because the prescription was written by my XXXX in SC, XXXX submitted the bill to XXXX XXXX XXXX SC. I have called them, written my correct insurance information on the back of the 2nd statement they sent & written them a letter. Despite all these attempts to resolve the bill, they have now turned my account over to collection.
Consumer complaint received 2022-05-12
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. (KS)

On XX/XX/XXXX I was alerted to a credit inquiry by third party monitoring company called XXXX. 

I called XXXX and the inquiry did not display any additional information other than the Inquiry was being reported by Transunion. The XXXX representative said that it was likely a glitch since there were no details with the inquiry and said to check back in a couple days as it would likely " just go away ''. 

On XX/XX/XXXX I was alerted again, this time by XXXX, that there was an inquiry on my credit via Transunion. This time I created an account with Transunion and immediately froze my credit. I also froze my credit with XXXX. All XXXX bureaus are now frozen and a fraud alert has been placed. 

I then called Transunion ( who were not very helpful ) but was able to determine that a company called " XXXX XXXX XXXX '' pulled a hard credit inquiry against my credit. I am not seeking credit, applied for credit or have done anything that would facilitate a inquiry. 

Now knowing the source of the inquiry, I called XXXX XXXX XXXX in an attempt tp get more details. I was placed on hold indefinitely, hung up on and basically no one could or would try to assist. 

At this point Transunion says I need a report from the FTC which states that this inquiry was indeed fraud, which then starts a process to where the financial institution ( XXXX XXXX ) will be " officially '' notified of the fraud. In the meantime, XXXX is likely processing the credit application and will approve credit for the criminals who started this whole thing. The process is so slow, that the damage is done before you can even get started to ty to stop it. 

I am asking for help here, to stop this in real-time and hopefully stop a criminal from getting a free payday. Transunion says I need a report from the FTC, but didn't/could n't tell me, nor can I find what type of report I need to get from the FTC. After I get a report from the FTC, I then need to send the report to Transunion with an Authorization letter to remove the inquiry from my report? How does this stop the end-criminal, what are the next steps? Very frustrating. 

I would sincerely appreciate any help you can provide with this issue.
Consumer complaint received 2017-08-18
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. (RI)

my credit reports were fine up to about 1 yr ago when all of a sudden a XXXX XXXX charge showed up stating that I owed them {$2600.00}. I never had a credit card with XXXX XXXX XXXX that ever had such a high limit. I had smaller ones and they were all in force around the same time and all paid off. when I put a dispute in I never got anyting. how can they just let something appear on the report, no record of payments no record of charges nothing just an I owe them this money. I have tried to dispute with XXXX XXXX and all I got was a collection letter. this is really hurting my credit all reports. its not mine.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION (GA)

This issue is in regards to UMB Health Savings Accounts and the associated Investment account tied to this account. My intention was to transfer the funds from my UMB Health Savings Account to a XXXX XXXX. 
( XXXX ) XX/XX/2023 - {$6600.00} was transferred from the UMB Investment account to the UMB Health Savings Account. The Total balance was {$7600.00} ( {$1000.00} was the existing balance ) ( 2 ) XX/XX/2023 - The Account transfer to XXXX took place, but UMB transferred only {$970.00} to my XXXX account and not the full balance. UMB transferred back {$6600.00} back to my investment account and then proceeded to CLOSE my Health Savings Account. Additionally, it's not quite clear why {$6600.00} was not transferred back and how I lost {$63.00} during this process. 
( XXXX ) XX/XX/2023 - I initiated a transfer back to my Health Savings Account of current investment account value of {$6600.00} thinking it would be OK to do so. Instead it rejected this transfer and the funds never returned to my Investment account. 
( XXXX ) XX/XX/2023 - I called UMB, but they could not help me.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you the authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including the license number that gives you rights to collect in my state. 

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also, read the attached letter and review all of the violations by your company
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-22
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (FL)

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am. 
1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 
2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
Consumer complaint received 2022-05-12
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. (CT)

I have disputed the same problem with all 3 credit reporting agencies. XXXX XXXX XXXX has corrected my credit report for XXXX XXXXXXXX XXXX. Please help me ask Experian to make the correction as soon as possible as they are causing great stress to my financing of my first home purchase. Thank you very much.
Consumer complaint received 2022-05-12
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: TRANSWORLD SYSTEMS INC (TX)

I received an alert that negative information had been reported on my credit bureaus. Upon investigation, I see an entry listed for one Transworld Systems possibly related to a creditor named " XXXX XXXX. '' I have never done business with any company by the name of XXXX XXXX or Transworld Systems. 

I have disputed the reporting with Transworld Systems and requested verification of the debt, but have not received a response. 

I have received no letters, phone calls, or other requests for payment from anyone related to this matter. 

I mailed the dispute and request for verification to : Transworld Systems XXXX XXXX XXXX XXXX, DE XXXX I want this negative reporting removed from all credit bureaus immediately.
Consumer complaint received 2022-05-12
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : 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 an account without my written instructions.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The defendant, Portfolio Recovery Associates ( PRA ), is attempting to collect an alleged debt from me related to its purchase of a XXXX XXXX account and sued the Plaintiff in state court for {$2500.00}. 
In XX/XX/XXXX, PRA filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX ( case # XXXX ) for an alleged debt of {$2500.00} that PRA claims it was assigned to them from XXXX XXXX XXXX account # XXX ... XXXX ). 
However, PRA 's lawsuit was filed after the XXXX statute of limitations had expired under GA XXXX XXXX, as PRA had XXXX the Synchrony account in XX/XX/XXXX. This means Portfolio 's lawsuit in XX/XX/XXXX was filed on a time-barred debt. 
PRA improperly served the summons to an incorrect address which is why I did not answer the summons. PRA then obtained a default judgment against me on XX/XX/XXXX for {$2500.00} plus {$110.00} in court costs and a writ of fieri facias to record the judgment. 
By filing suit on a time-barred debt, Portfolio falsely represented the legal status and deceptively attempted to collect the debt. This made my private financial matters public record without merit. PRA 's actions have caused me substantial emotional distress, mental anguish, anxiety, and invasion of privacy that a reasonable person would find offensive.

In summary, PRA improperly sued and obtained a default judgment against me on a time-barred debt in violation Georgia state XXXX pertaining to the statute of limitations and the Fair Debt Collection Practices Act causing me significant harm.