davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (FL)

We secured a XXXX loan through Regions bank. Upon notification from the bank that it was time to submit our reimbursement forgiveness paperwork, we properly produced and submitted a documentation required. Without receiving a single statement or document advising us as to the terms and conditions to repayment, regions began debiting large sums from our operating account without notice or any statement ( XXXX ). We repeatedly requested clarification for the withdrawals and Regions failed to provide any. We repeatedly requested clarification and statements of the account- to which Regions refused to provide or otherwise produce. We finally appeared to a branch manager 's office in XXXX XXXX XXXX to discuss the issue, where it was determined that the XXXX loan had entered a repayment process. We demanded copy of a statement of the account -- which Regions refused to provide. We demanded a reduction in the repayment terms while pending review. Regions refused. We signed documents to lower the repayment terms. Regions failed to consider it. We have now sent Regions XXXX emails and called countless times to speak with a XXXX or Regional Manager. All requests rejected. They refuse to communicate about status of loan, statement of the account, or the terms of the repayment. The company has failed to comply with our written and phone requests for a response.
Consumer complaint received 2019-03-02
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. (TX)

I AM A VICTIM OF IDENTITY THEFT. There were accounts open in my name. I notified the company in writing by sending them notarized identity theft forms and statements, and a multitude of correspondence, yet the fraudulent accounts still remain on my credit report in violation of Federal Law. They stated in both the first investigation as well as the re-investigation that they verified that those accounts and that they were being reported correctly, which was COMPLETELY UNTRUE!! I then, demanded that this company not only tell me who verified these accounts as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), I demanded to know the method of verification as required under Section 611 ( a ) ( 7 ). I also requested that this company send me a copy of the original creditors documentation, or ANY original documentation ( a consumer contract with my signature on it ) as they are required under FCRA to keep a copy in their files to verify that this information is mine and correct. THEY DID NOT DO ANY OF THE ABOVE. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Pursuant to section 605B they are required to BLOCK the fraudulent information on my credit report resulting from identity theft within 4 business days and notify the furnisher of that information, in which they HAVE NOT DONE! THE LAW IS VERY CLEAR AND THEY FAIL TO COMPLY WITH FEDERAL LAW. I have made MULTIPLE attempts to have them delete these fraudulent accounts that were the result of identity theft, off of my credit report, yet the accounts still remain, and this company continues to violate my rights under FCRA.
Consumer complaint received 2017-09-09
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. (PA)

In the recent cyberattack against Equifax, my personal information including my SSN, DOB, addresses and drivers license was stolen. I received this message from Equifax : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I placed a 90 day initial fraud alert on my credit.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2019-03-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (WA)

In XXXX of 2013 my husband and I went through a loan modification to restructure our debt. At the time we had 3 home equity lines of credit through Key Bank. All were included in the new loan. We have recently tried to secure a new home loan and discovered that not only are these account still listing balances when they should not be but are each listed in duplicate on our credit reports showing us as having {$160000.00} in collection accounts. We have attempted to contact Key Bank and have also disputed these accounts with the credit bureaus. Due to our disputes, XXXX  has updated their reporting showing two of these accounts as " PAID IN FULL WAS A CHARGE-OFF '' and the third account was deleted entirely.
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC. (OH)

The loan date XX/XX/ This the amount and the date been paid so far XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOW THE LOAN INCREASD TO {$3900.00} instead of decreasing after I did the payment showing above
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

Equifax mishandled my personal information as a result of the data breach announced in XXXX 2017, which included names, Social Security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers. This puts me and millions of other people at risk. I have verified that I am a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2021-02-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

PHEAA wants me to make payments on a student loan that is not mine. For the last five years I have been asking them for a copy of a Promissory Note that I would have signed and as of date, they still have not sent me a copy. I have called and spoke to XXXX XXXX about two weeks ago explaining this again. I made payments on these loans in XXXX thinking that these were loans associated with students loans I have with another Servicer. I stopped making those payments when XXXX contacted me asking for my Social Security Number and DOB. I have asked PHEAA several times over the years to provide me with a copy of a signed Promissory Note and as of date, I still have not received any. 

Back in XXXX, I contacted all three Credit Bureaus and had them remove PHEAA from my credit reports, which they did. It wasn't until around XXXX or XXXX, that they started garnishing my Income taxes. I contacted the Department of Education and was told that PHEAA contacted them to get my personal identifying information, which they gave. I explained to the Department of Education that those loans do not belong to me, but by that time my information had already been compromised. 

I want this company to release me from this debt that I do not owe and to be permanently removed from all three of my credit reports. 

It is not fair for me to pay off someone else 's debt.
Consumer complaint received 2017-09-09
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. (CA)

The massive hack/breach at Experian exposed my personal information. I have put a fraud alert onto my account, and will need to be extra vigilant to make sure my identity is not stolen.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MI)

I was notified via XXXX  email alerts that there had been a hard inquiry made on my credit. I had not applied for any new lines of credit but saw that Midland Credit Management ( MCM ) had made a hard inquiry on XX/XX/2022. I called to dispute it but was told that there was a note on the file that only MCM could remove it from my file. When I contacted MCM directly, they said they do not report inquiries, which is just patently untrue as a rule because we all know that inquiries are reported and make everyone 's scores immediately drop. I am not sure why they are even poking around in my file at this time. They had been harassing me for years and there is even a cease and desist letter in their files that they referred to several times. I do not owe them any money and there is no record in any of the XXXX bureaus.
Consumer complaint received 2017-09-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC (IL)

I 'm currently having hardship and I ca n't make regular payments. I informed creditor that I 'm trying to figure out my situation and that I will contact them as far as payments. Creditor was sent a letter. I 've never received any I written notification from creditor with attempt to garnish my wages. Creditor sent a letter to my employer without my knowledge or proper notification. I 've never had chance to talk to creditor and try to avoid garnishment. I 've never received any written or verbal communication from creditor
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. (MA)

Equifax mishandled my information, which puts me ( along with about 143 million other US customers ) at risk. According to their website equifaxsecurity2017.com, I am listed as a potential victim of this breach, and I would like a resolution.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

On XXXX XXXX, XXXX I became aware of a data breach of personal and financial credit reporting information held by the Equifax credit reporting agency. Equifax was negligent in the handling of information of potentially millions of account holders, including myself. I verified that my data was breached using the reporting tool located at the following website : https : XXXX As a potential victim of identity theft and fraud due to negligence on the part of Equifax I want immediate resolution of this issue, including costs associated with freezing my credit for my own protection. 

I 'll also be filing a police report, as well as IRS Form XXXX.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (UT)

Cash App refuses to change my legal name to XXXX after marriage. They did update my address on XX/XX/XXXX that they received from my submission and refuse to update, email, etc. Im told theyre still working on it and wont discuss anything with me. Theyre lying to me when they say I didnt reply to their authentication link, I submitted everything through their link, and they refuse to update anything.
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (IN)

This company has never sent me any information in regards to any debt, the only reason i ever noticed it is because it showed up on my credit report. I have attempted to contact them and request a debt verification letter. they refused on the phone call. This directly violates the F.C.R.A. This company also refuses to verify any information when i contact them and try to resolve this issue.
Consumer complaint received 2017-09-09
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. (IN)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that 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.
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NY)

A flight to XXXX via XXXX XXXX that my wife and I were on was cancelled mid flight and returned to XXXX. We were put on another plane, took off and, again, returned. We were rebooked on a flight the next day thus incurring costs for transportation and meals. These costs were to be covered by the Chase Sapphire Preferred card which we had used to make and pay for the reservation. The costs, with receipts totaling {$380.00} were submitted. We were then asked to provide additional information, which we did to the best of our ability. They then asked for more information, some of which had already been submitted. We submitted further information. We were then asked again for further information and responded to the best of our ability. They declared they had not gotten sufficient information and I submitted a complaint like this XXXX to CFPB which became identified as XXXX which you closed because you felt that the provider had fulfilled its requirements and, apparently, that I had not. This is an incorrect summary. 
Chase continues to ask for the same information which we have, each time, provided in different forms, none of which has been acceptable to them. The facts are simple : a flight was canceled ( a matter of airline record ) ; we were rescheduled the next day and did fly that flight ; we encountered costs during the layover that are covered by the card and submitted receipts as requested. I ask that the CFPB reopen the question and pursue how this issue can be brought to mutual satisfaction. 
Thank you.
Consumer complaint received 2021-02-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (OH)

around XX/XX/2017 a auto i was buying from credit acceptance was totaled in a car accident and my insurance paided them along with my gap insurance which covers whatever XXXX dose n't pay.at that time i had a payment due when it was totaled and that payment was a little over XXXX.they are still trying to collect money from me by saying gap dose n't pay for past due amounts, which it was not They now have my amount up to XXXX dollors and that it is past due over 180 days.They started charging around.. the day the car was wrecked. i feel this is very fraudulent.They were at XXXXdollors my last check on my credit report says XXXX dollors
Consumer complaint received 2019-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OR)

Stayed with a buddy for 1 month and hooked up XXXX XXXX for internet. they put his past due bill on my account because it was the same address that he had XXXX XXXX and didn't pay his bill. As you can see I paid for the month I was there.
Consumer complaint received 2020-06-22
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. (FL)

I DON`T RECOGNIZE THESE ACCOUNTS AND INQUIRIES, I HAVE NEVER APPLIED FOR THESE DEBT, WITH THESE COMPANIES I HAVE NO CONTRACTS OR AGREEMENTS WITH MY SIGNATURE.
Consumer complaint received 2021-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

the following accounts that appear in my report, are not mine, they were reported without any authorization, they are hurting me. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAP1XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-02-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: URS Holding, LLC (FL)

To Whom It May Concern : I've sent a letter to a collection agency to validate and verify a debt of a mount {$1000.00}. The US Postal Office was unable to verify the collection agency address : ALLTRAN EDUCATION INC XXXX XXXX XXXX XXXX XXXX, IL XXXX http : //alltran.com/ ( XXXX ) XXXX It appears to me someone was trying to collect a debt by using my name as a debtor. Will you please look into it?
Consumer complaint received 2017-10-17
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: CL Holdings LLC (SC)

Ive spoken with XXXX XXXX about two years ago about this incorrect account on my credit and Ive provided information to them to advise of this incorrect information and theyre still reporting this item and hurting my credit. I am unaware of this item, and then it now shows that the item opened on XXXX 2016 when it was reported well over 4 years ago. They are reporting incorrect information, which is against the law, if we cant get this issue resolved within the next 30 days I will be hiring an attorney and filing suit for the continuation of wrongfully reporting inaccurate information on my credit report, which is causing me to not be able to move forward in my home buying proceeds and its causing great steer on me.
Consumer complaint received 2017-09-09
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. (MI)

Over the years I 've worked hard to build up an excellent credit history. Unfortunately I 'm one of the 143 million people affected by Equifax 's security breach that was made public in XXXX 2017. It is beyond infuriating that a company with so much private and sensitive information about you can put your finance wellbeing in jeopardy. 

I put a temporary fraud alert on my credit report, but who knows what 'll happen after that. To add insult to injury they then offered " free credit reporting, '' but only if you agreed to binding arbitration that would effectively prevent you from suing them. 

I also read that several Equifax executives cashed out stocks just prior to the announcement, anticipating that the company 's stock would take a hit. If that 's true, I hope the CFPB/SEC throws the book at Equifax.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (OH)

SUNRISE CREDIT SERVICES Account number XXXX I received a letter stating that this account would be removed directly from SUNRISE CREDIT SERVICES they failed to provide proper validation and verification as specified in FDCPA Act. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows, SUNRISE CREDIT SERVICES, or any third party law firms and collection agencies are in accordance with the OHIO LAW 1319.12 ORC. License required ; application ; fees.