davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-19
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I had an installment loan from Ace Cash Express for under {$700.00} on which I made several payments. I was unable to continue paying the payments and the loan defaulted. Yesterday at my work I received a call from someone claiming to be from my county clerks office needing to serve me papers because I am being sued. They asked if I had my 7 day notice with me. I said I had no idea what they were talking about and she suggested I contact the attorneys office and gave me the number XXXX and told me to refer to docket # XXXX. I called and was given to " XXXX XXXX '' at extension XXXX who had this horribly scary story of me being taken to court and need to have the amount of over {$1800.00} paid immediately or the judge could garnissh wages or put me in jail because since the auto drafted payments from my account in the beginning, the ones that did n't go through were considered to be like a bad check. 

The lady had me in such a XXXX I gave her every dime I had to my name off my prepaid debit card. The amount I paid was {$620.00} which is more than the original amount of the loan. She said they were going to contact my county clerk to put in a stop order. She told me that they were going to take another {$620.00} out in two days, XXXX XXXX, and the remaining balance of XXXX would be taken out on XXXX XXXX. I was told that if any of these payments did n't go through I would go to jail. Yesterday afternoon after regaining my composure and looking at the company that debited my card the red flags went up. It was not taken by an attorney 's office, but rather by XXXX XXXX XXXX. I then contacted my county clerks office who had no idea whatsoever what I was talking about and that no such paperwork, docket or case existed. I then went online and researched the name and phone number only to find they have gotten in hot water all across the country for doing this type of thing. Why are they allowed to continue this practice. I have had to report my card stolen and get a new card so they can not continue to charge my account. Upon figuring this out I called this lady back who was never available to take my call, but eventually had the lady who answered ask me if I had the rest of the money ready for her to get off my card. I told her to give her the message that I had gone to the county clerks office and found out this was all a lie, not to dare try charging another penny to my cards and that I would begin taking action against her. No one has called back.
Consumer complaint received 2019-05-31
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. (MD)

I've FULLY PAID an account off of my credit with XXXX XXXX XXXX and they have yet to have their credit line from my credit profile and I've called them and disputed several times. It needs to be removed form credit ; as I've already paid the money that I owe in full
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

On XX/XX/2024 I received a letter from advantage loan servicer on their platform regarding 'loss of benefit ' because " you didnt meet this on-time payment requirement, the credit has been added back to your principal balance, increasing the amount you must repay. The alleged date in question is from approximately 11 years prior ; i am just being notified of this now as well as my responsibility for repayment of this.
Consumer complaint received 2018-06-24
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

In XX/XX/2017 my XXXX XXXX XXXX had GM Financial as an autopay account in the amount of {$400.00}. XXXX XXXX issued the check and removed the funds out of my account. This had been established and working for months prior and after. Apparently GM financial claims to not have received the check. GM Financial did not inform me they didn't receive the check until 60 days later. I provided them with my bank statements and autopay history to show them the check was sent and the funds were removed from my account. When they could not find the check I stopped payment and reissued a check which was received. They are continuing to report that I was delinquent on my account for the months of XXXX and XXXX when I did issue the check and have it mailed to them at the correct address. I never missed a payment or was late on any payments before and I am upset they did not inform me before the account was 60 days delinquent. I believe they lost the check and I am being reported negatively on my credit score for it when I have always paid my lease on time.
Consumer complaint received 2020-07-02
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. (CA)

This is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 2. Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 3.  Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit Identity Theft 8. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Identity Theft 10. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Report Act XXXX  Account # 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 cannont furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Before the pandemic XXXX XXXX and Portfolio Recovery contacted me via phone and email threaten to take me to court for a lawsuit. I was getting harassing phone calls daily in the month of XXXX until end of XXXX. In the middle of XX/XX/2020 that is when they send me a court order to attend a lawsuit hearing. They threaten to send me to jail if I did not come to an agreement with them. I was shaken and frighten to be jail for something I know nothing about. The lawsuit cause my XXXX XXXX to go up and my health to decline with stress over the covid-19 and now lawsuits. I have attempted to contact them and was not successful. I left them detail messages and no one returned any of my calls. 

They stated that I owe them two amounts {$1000.00} and {$1100.00} ( XXXX XXXX ). 
Sometime last year I heard of XXXX breach as well as XXXX  breach. I am asking you to please help me put an end to the harassments from XXXX as well as Portfolio Recovery who stated that I owe them {$670.00}. This will mean so much to me and my health.
Consumer complaint received 2024-02-24
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. (TX)

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. 

Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX  XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 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 2022-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (NC)

On XX/XX/22, I paid a XXXX XXXX XXXX credit card bill at a checkfreepay agent, XXXX. I gave the wrong account number by accident, XXXX. The correct account number is XXXX. 

Upon calling checkfreepay on XX/XX/22, I was told that as the payment has been delivered to bank XXXX XXXX, the only option is to visit an agent location where they will proceed to call checkfreepay, and work to apply the payment to the correct account. This should then show up correctly within 10-15 days. I called again on XX/XX/22 and I was told the exact same guidelines on how to proceed. 

Instead, when I reached the checkfreepay agent, XXXX, the checkfreepay representative told XXXX that I needed to dispute the payment with my bank. This goes counter to any research I've done on the matter online, and counter to the XXXX calls I made to checkfreepay personally, where they each stated that the payment should simply be corrected. Attached is my statement showing the correct account number, along with the payment receipt from XXXX.
Consumer complaint received 2024-05-24
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. (AL)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} I looked at my XXXX report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file if the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( II ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

Mislead Into going to a school that promised so much career opportunity and growth but instead got brought into a student loan debit that has become so large to even repay and now my former school ( XXXX XXXX XXXX ) as completely shut down and is and tried to work out a payment option or have the loan forgiven but is still giving untrusted information on what to do by Navient
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

According to FCRA 605B, we must delete any incorrect accounts from my credit report. Could you please review the documents? Some of the accounts listed are inaccurate in their reporting. I am entitled to {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2021-03-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (FL)

Convergent is calling my home, cell phone and work phone many times a day. Sometimes over fifty times daily. The debt is over a decade old and is beyond the statute of limitations. They are threatening my family. I was told they will send the boys from XXXX if I do not send them money.
Consumer complaint received 2021-01-24
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: DISCOVER BANK (MA)

Dear Discover and XXXX ; I was shocked and surprised today again when I reviewed my recent credit report and noticed a discover credit account in " terminated account status '', which I've called both XXXX  and other credit reporting agencies along with Discover that I have no knowledge of this old discover account. I've asked for it to be permanently deleted & removed from my credit report, but it still showing up on the XXXX report. However, i spoke with DIscover and they mentioned that they've already ordered all the major credit bureaus to remove it but i need to follow up with them at this point - Which i've done!

I do have an active account with Discover right now, but i'm not aware of a credit cart that was opened on XX/XX/2009 with a credit limit of {$7800.00}. Please delete.
Consumer complaint received 2015-04-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. MY SERVICER, GREEN TREE, HAS SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/2015. MY SERVICER HAS HAD A LONG-LASTING PHONE MALFUNCTION ISSUE SINCE LAST WEEK. I AM UNABLE TO COMMUNICATE WITH MY SERVICER. THE ONLY NUMBER PROVIDED TO ME IS XXXX XXXX XXXX. THIS IS AN AUTOMATED SYSTEM AND IT HAS HUNG UP ON ME MORE THAN A XXXX TIMES SINCE LAST WEEK. I HAVE HAD OTHERS CALL FOR ME ON MY BEHALF WITH THE SAME RESULTS - HANG-UPS! WHILE MY SERVICER WILL NOT ALLOW ME TO COMMUNICATE WITH THEM, THEY HAVE SENT ME WRITTEN NOTICE OF THE FORECLOSURE SALE FOR XXXX/XXXX/2015. I HAVE SENT EMAILS TO SENIOR EXECUTIVES AT MY SERVICER - THESE EMAILS HAVE BEEN IGNORED. IN ADDITION, GREEN TREE IS REVIEWING MY REQUEST FOR MORTGAGE ASSISTANCE AND AT THE SAME TIME CONDUCTING A FORECLOSURE SALE
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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

In accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
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 2019-05-31
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. (CA)

the following accounts and collection ( XXXX XXXX / XXXX XXXX ) and ( XXXX XXXX ) are inaccurate and fraud and wrongful accounts reporting under my name, these are not mine, these were opened with out my knowledge and equifax has not been helpful in this matter, i will be attaching these documents for which i have also provided to equiafx as well, please help me as a consumer to look in to these careful and delete these wrongful reporting from my name. i would greatly appreciate. 
thank you
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (UT)

On XX/XX/2020, I applied for the XXXX XXXX from American Express. Upon completion of the application, I received a message stating that American Express could not approve my application. I checked my email, and received a message from amex stating that they had finished processing my application. This message provided a link for me to check the application atatus. After providing my personal information, I was given access to my application decision letter. 
After reading it carefully, I noticed some problems with the application decision. 

The following were the reasons for the decision : 1. The number of creditors who have reviewed your credit report : The problem that I have with this point is : how meny hard inquiries is too many? 
Without knowing what this number is : how can I know when I can apply, and when I should wait? 

2. Your credit report indicates that you have one or more seriously delinquent or collections and or derogatory public records on file : There are multiple issues with this point : A. Which is it : one or more seriously delinquent? collections? derogatory public records?

B. I paid off a collection account five years ago, why was it not an issue when I applied for my first card nearly two years ago? 

Further down the letter there is a section titled " information about your FICO Score. '' Under the information provided there is yet another list of reasons that my application was not approved. Once again, there are issues with these reasons : 1. Derogatory public record or collection filed : Again, the account was paid five years ago. Why was this not an issue when I applied for my first card nearly two years ago? 

2. Lack of recent information on installment accounts : A. Why is it a requirement to have installment accounts in order to obtain a new card?

B. When I applied for my first card nearly two years ago, I did not have any installment accounts. Why was this not an issue back then?

C. I have no use for an installment account at this point in my life. I am no longer a student. I can not XXXX XXXX a vehicle, therefore, I would not be able to obtain an auto loan. 

3. Too many inquiries in the last 12 months : As asked above : how many inquiries it " too many ''?

4. Length of time accounts have been established : According to my XXXX credit file, my average age of accounts is 5 years. 
Why is that not long enough for American Express? 

I have had these same issues with American Express in the past. I feel as though the corporate office simply provides a rubber-stamped answer to me, hoping that I will just go away. I have fulfilled all of my credit obligations, yet American Express refuses to XXXX credit line increases, open new cards, or reinstate my XXXX XXXX XXXX that I had mistakenly closed. I feel that I am wasting my time in filing a CFPB complaint, because American Express will not acknowledge or address my concerns
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MI)

On XX/XX/19 I requested a credit increase from my XXXX Credit Card. When I filled out the request from them, it did not state they would be pulling my credit report. A hard inquiry was made today, XX/XX/19, from CBNA/XXXX on my credit report. I did not authorize them to do this. I would not have made the credit increase request if I would have known it would give me a hard inquiry!