davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I had applied online to ace express for a loan back in XXXX or XXXX of XXXX I received the money but decided that I didnt need it. I called then to let them know that I no longer need it once I did that they gave me a website to send an email saying that I no longer need the loan. Tried to send the money back and there system was not working on getting it back they kept saying that my bank was not allowing the transfer. I called my bank and my bank said that they were the ones that was not letting the transfer go through. I took the money out to try to add to a different XXXX card to send it back but it was doing the same. They told me to open a new bank account and give them access to it so they can take the money out. I said I wasnt going to do that, they already have my bank card info, that they shouldnt have any issues getting the money back. I tried and tried and they were saying that I am the one that didnt want to pay it back when I kept in contact with them and tried to send the money back. Well I Lost my job in the process of trying to get them to take the money and they kept calling and I kept telling them that I no longer have a job and can not pay at the moment. They kept calling and kept adding more interest into the account and I am still with no work. I kept telling them that I can not pay. Once I have a job then I can maybe pay little by little and they said that I had to pay the full amount at once. Months past and never heard from them. I finally received a call from a law firm called XXXX XXXX XXXX saying that I have till XX/XX/XXXX to call them regarding a complaint about me. So I called and a guy answered I gave him my name and he looked me up. I asked what it was about and why I am being sued for {$1500.00}. He said it was from ACE Express and that I will receive a court date on Monday or something this coming week on when I have to appear. I said I dont understand and he simply hung up on me without saying anything else. I am so confused why do I need to go to court when I tried to pay them and they never took it and never got call, mail or email from them and now they are calling saying that.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (CO)

I received a debit card from USBank ReliaCard which I did not apply for. This card is in regards to unemployment benefits. I have been retired for several years, and have NEVER applied for unemployment benefits. This is a scam. I tried to reach USBank but was unsuccessful, as their website requires to activate the card, could not get to speak to anyone to have them cancel this card. It seems that someone is using my name to use this debit card.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have been banking with Huntington Bank at XXXX XXXX XXXX, XXXX XXXX MI XXXX. On XX/XX/2023. I did a balance check because I had a direct deposit deposited. My account showed my deposit. I went to Huntington Bank on this day they told me my account was closed because someone tried to falsely create an online account. I was never informed of this which they should have called or emailed me. They refused to give me my money and told me I'm not allowed to have an account anymore. This is very unfair When I had no control over someone fraudently trying to create an online account. Huntington still has not returned my direct deposit back to who XXXX  it and will not allow me to withdraw my money
Consumer complaint received 2020-05-18
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: Experian Information Solutions Inc. (CA)

XXXX  ; Experian and XXXX should not be reporting the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

According to the Fair Credit Reporting Act 15USC1681 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, Transunion and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared per 15USC6801 which also states " It is the policy of the Congress that each financial institution has an obligation to respect the privacy of its costumers and to protect the security and confidentiality of those customers ' nonpublic personal information. Neither of the XXXX reporting agencies have requested nor received my written consent to furnish any information to my consumer report. 15USC6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Transunion, XXXX nor XXXX informed me of my right to exercise the nondisclosure option.

USC1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 XXXX years. '' Several of the reported accounts are adverse items they are reporting without my permission which is against the law.

15USC168c states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. None of the reporting agencies are maintaining reasonable procedures.

15USC1681 ( a ) ( 2 ) states a consumer report DOES NOT include ( i ) transactions or experiences between the consumer and the person making the report. I have several late payment transactions reporting on my consumer report which adds another violation.

15USC1681 ( 3 ) Restriction of sharing of medical info.

( a ) medical info ( b ) list or description based on payment transactions of consumer for medical products or services.

15USC1681n " Any person who willfully fails to comply with respect to any consumer is liable to that consumer in an amount equal to ( 1 ) ( a ) damages sustained by consumer as a result of the failure of damages less than {$100.00}, but not more than {$1000.00} ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Consumer complaint received 2023-04-01
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-02
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. (AL)

I did notconsent to, authorize nor benefit from any of the following inquiries block and remove them. XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Consumer complaint received 2023-01-27
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. (TX)

On my credit report XXXX XXXX XXXX is reporting a CHARGE OFF. My car was totaled and insurance sent XXXX a full payment. I also had XXXX XXXX which sent a payment to XXXX as well. XXXX sent me many STATEMENTS in the mail showing I owed XXXX dollars and that my payments were UP TO DATE. I made a final payment to XXXX ( the balance owed from XXXX  and XXXX  ) and the account was closed successfully. I reached out to XXXX and let them know they were incorrectly reporting a charge off, I spoke with XXXX XX/XX/2021 and she said she see in their system that I was never late on payments and a charge off should have never been submitted on my account. She said to report it to the bureaus and they will correct it. I reported to XXXX, XXXX, and experian and all of them were unable to fix the error and failed to validate the information. I even submitted the statements showing up to date payments which contradicts the first date of delinquency!
Consumer complaint received 2017-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (GA)

Date of service XXXX XXXX 2011 SRA file number XXXX amount {$2400.00}. Received a notice from a XXXX XXXX that does not have a legal license to ask for money in the state of Georgia nor did I have a contract with. There 's no recollection for me to have gone to the XXXX XXXX XXXX for treatment and if did I 've always had insurance insurance would have taken care of any bills that I had.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

I have been going back and forth with Amex in regards to 2 different charges on my account by lawn starter. I have provided tons of documentation and they still allow this company to get away with fraud and unlawful billing practices. XXXX has charged multiple transactions on our account even though the same day that automatic pay was set up, my husband called them to change the billing card information. They stated that they did so. I even provided an email where they said that they would investigate why the information wasn't changed. They were charging 2 cards at the same time even though the card that they should have had on file that my husband called in to change was supposedly changed. I legal action because I feel that this practice is illegal. The claim number with Amex is XXXX. Their calls should have been pulled as well. Maybe if I file a small claims case, your company will pull the calls. I have supplied tons of documentation and I need this decision reversed asap.
Consumer complaint received 2020-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (TX)

AVANTE : I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union Credit Reporting and a Background Data Solutions company under its umbrella that is reporting totally different, inaccurate and extremely harmful information that has on multiple occasions caused me to be denied housing. 

There incorrect reporting of closed, dismissed and even fraudulent information has cost over {$500.00} in denied apartment application fees as well as the inability to be approved for housing anywhere. 

They are reports totally different credit scores to different rental history report companies. They have within the last two weeks reported the false information to XXXX XXXX and I was denied XXXX XXXX XXXX and even AFTER disputing it and successfully having it removed, they still reported the information to another rental background company names XXXX  and got me denied again. The score was over 75 points lower than the score provided in the credit report that I received and no where does it say which score or what accounts where in the report. 

Trans Union is actually reporting totally different information in customers credit files and it doesn't even match addresses or correct SSN of the files. They have cause me alot of mental anguish and embarrassment by reporting this false information and taking part in denying me my right to fair housing!
Consumer complaint received 2020-08-30
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: SECURITY FINANCE CORP (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (RI)

I found an instagram seller with thousands of followers which led me to believe he we legit. After days of talking with the seller, I bought 3 pair of shoes and a XXXX XXXX console. I sent the money in two transaction as he requested. One for {$400.00} on XX/XX/2020, and one for {$1000.00} on XX/XX/2020 using XXXX. After I sent the money, he just didn't respond to me after I sent the money for weeks even to this day. I filed a dispute on my bank but it was denied since I used XXXX.
Consumer complaint received 2017-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

On XXXX/XXXX/XXXX XXXX XXXX notified me of new accounts placed for collection. When I checked my mail, there was a letter from Commonwealth Financial Systems regarding a debt they purchased from XXXX XXXX XXXX, of which I have never received any correspondence. They have listed 3 items, from XXXX and XXXX, 4 and 3  years ago, respectively, and I am unaware of these charges. I 'm trying very hard to get my credit fixed and my score back up, and this was a shock to me. I also have a negative comment from the XXXX XXXX for XXXX XXXX XXXX, and I have n't even walked into that place in at least 15 years, so I have no idea what this charge is for because I do not use the clinic or any of it 's doctors or services. I 've been trying extremely hard to keep any and all medical payments made and kept current, so I 'm very surprised about these bills because I had no prior knowledge. I 'm also very upset that Commonwealth put this into my credit report immediately instead of sending me prior correspondence to let me know about it so that I could see what it was even for. Thank you in advance for any assistance you might be able to give me.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

I have exhausted myself at all levels trying to get an inaccurate collections off my credit that is causing me denials for loans. To start, I have only 2 open student loans with, XXXX XXXX. However, I have to complaints that needs to be addressed ; First, XXXX which does not have possession of my loan is still being reported in a derogatory manner and the same loan is now with XXXX too. Creditors are seeing a total of 4 loans when there is only 2 because they have different account numbers. 
I request that XXXX remove the negative information thats being reported because again my loans are with XXXX and in good standings and not due until XXXX 2018. 

Second issue is that XXXX XXXX have a status on my report that says, Student loan assigned to government which my lenders views as a negative situation where as Im in financial  trouble with the government and this is so misleading. I want that comment removed and my account showing current as it should.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have exhausted myself at all levels trying to get an inaccurate collections off my credit that is causing me denials for loans. To start, I have only 2 open student loans with, XXXX XXXX. However, I have to complaints that needs to be addressed ; First, XXXX which does not have possession of my loan is still being reported in a derogatory manner and the same loan is now with XXXX too. Creditors are seeing a total of 4 loans when there is only 2 because they have different account numbers. 
I request that XXXX remove the negative information thats being reported because again my loans are with XXXX and in good standings and not due until XXXX 2018. 

Second issue is that XXXX XXXX have a status on my report that says, Student loan assigned to government which my lenders views as a negative situation where as Im in financial trouble with the government and this is so misleading. I want that comment removed and my account showing current as it should.
Consumer complaint received 2020-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I Purchased this vehicle XX/XX/2017, The balance was XXXX at the beginning of the loan in 2017. The Balance is currently XXXX. I have paid over XXXX in interest alone with only {$700.00} going towards principle. I have asked to have my interest rate lowered or attempted to refinance and the car is under water so no lender wants to help. Capital One is also refusing to help.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

Since XX/XX/2020 I have not been able to see a full credit history inside the " My Equifax Account. When I log in there is no history at all. no installment, no revolving, nothing and shows to this day my credit score from XX/XX/2020. It has not updated the score and tells me I have no accounts. 

So finally after 4 months of getting the runaround by the people who just answer the phone. They tell me the system is updating, please try later. I have made too many calls to them and i end up after 2 hrs still no one can tell me where all my credit history went. I contacted them in XXXX and got the same runaround. Tell them whats going on and they ask for identifying info then say, we have escalated this to another department and someone will be in touch within 48 hrs. Well 3 weeks is not 48 or even close to 48 hrs.Still no word of where my credit history went and when this will get fixed. I have reported this for 5 months. I have had Identity theft issues and i was wanting an extended fraud alert but with no history showing and can't even get anyone to actually help me I cant get this done. So this is where I'm at 5 months almost 6 months later. NOWHERE! Please Help.