davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
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: Fidelity National Information Services, Inc. (FNIS) (WA)

Received my report from ChexSystems after I was denied a checking account at XXXX, I saw that there was a erroneous charge on my file from XXXXXXXX XXXX in the amount of {$1300.00}. I filed a dispute with ChexSystems and requested validation, they claimed the debt was valid and refused to give me documentation from XXXX XXXX  proving the alleged debt. I believe that Chexsystems is continuing to report this account in violation of FCRA, since they should have deleted it when they couldn't produce validating documentation for this alleged debt. They are causing me economic damage at this point, as I have been denied other accounts due to this false information they are publishing about me. I have read online that they have a history of this false reporting, which has led to class action lawsuits in the past.
Consumer complaint received 2021-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (FL)

My name is XXXX XXXX. I got an auto loan for my XXXX XXXX XXXX on XXXX of XXXX in Atlanta. I have now transfered to Florida now that I have relocated. The orginal loan was for $ {$11000.00} at a 28 % interest rate and the bank I am with is American Credit Acceptance their website is https : //americancreditacceptance.com/. Their contact information is XXXX the addresses they have is American Credit Acceptance : XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

When I got into this loan I was told the process of where my monthly payments would go. In my welome kit and on their website they said my payment of $ XXXX month will be applied in this order. Attached to this complaint will be that information. Here is it below : HOW PAYMENTS ARE APPLIED ACA applies your payments in the following order. 
1. Miscellaneous fees ( repossession fee ) if applicable 2. Interest ( currently due ) 3. Principal ( current and past due ) 4. Fees ( late/NSF ) 5. Remaining Principal They have not been applying my money to my prinipal at all. They have skipped months only putting my payments in interest and nothing towards the principal if you look at the attached document they sent me of showing where my money is being applied. If you noticed they have skipped multple months in applying any money to my principal then when it is applied it is in different amounts. Everytime I call them I am given incorrect information on my loan. The last agent I spoke to told me my interest rate was {$8.00} no agent is capable of given the correct information and looking at how they have been applying money to my loan it literally looks like childplay. I have paid this company almost {$8000.00} on my {$11000.00} loan. After {$8000.00} and almost 2 years I am being told I am still at {$11000.00}. If you look at my documents to see my grand totals you will see that over {$6000.00} has gone to my interest payment and {$700.00} to the principal. Please I need justice I am a single mom and I have been working really hard to mantain XXXX  car but this is not right and it seems very illegal. 

Please I need justice. I have spoken with the company and no solution has been offered. I have also filed a complaint with the XXXX This is my next step to getting justice now that they have sent me the proof of where they have actually been applying my money.
Consumer complaint received 2024-08-26
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the 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 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
Consumer complaint received 2020-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I was an XXXX XXXX XXXX with the XXXX living in XXXX, Ga. I was on orders to deploy to XXXX in XX/XX/XXXX and gave the proper 30 days notice to my apartment complex. My orders changed and had to send me to XXXX two weeks earlier than planned. It took a little while longer to get my orders back to the apartment complex due to the moving around and issues with deploying. Once I got them the orders they had already sent my remaining balance for leaving two weeks earlier to the debt collector, IQ Data XX/XX/XXXX. I tried to give the debt collectors all the information but they would not leave me alone or dismiss the debt until I gave them a no contact order. In XX/XX/XXXX/ XX/XX/XXXX I was successful in removing my debt from XXXX  and XXXX  XXXX At this time XXXX and IQ Data both remain steadfast in not acknowledging the documents per the Military Clause in a renters agreement contract. I will not pay this debt since it is unjust and illegal.
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

5 fraudulent charges to my debit card at five different places. spotted it online, went to union bank to have stopped. was told by XXXX XXXX it could not be stopped because it was pending. filed complaint with bank # XXXX in writing, have called them three times, files complaint with department of business oversight # XXXX they refured me to office of the controller of the currency, filed complaint # XXXX, they refured me to you. I called and am told your the right place.Union bank won't return the money stolen from my account.. I now know the transactions could have been stopped. bad advise from bank. Want my money put back and additional punitive damages if possible. thanks
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2018, I pulled my credit and noticed an account from XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$42.00}. I assume this came from a medical bill since the original creditor was XXXX XXXX. I paid the balance due over the phone and was promised, calls are recorded, that the account will be removed/deleted from my credit report sinceI paid in full. It's more than 30 days later, and the account has still not been deleted.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2020-01-27
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: First Data Corporation (IN)

My complaint is against First Data the card processor. I have a merchant account with First Data for probably 20 years. Haven't had issues all this time except in the last two years. I had two charge backs and they were handled very poorly. The last one was in XX/XX/2019. A client disputed a charge but then realized they made a mistake. When they called their bank which was XXXX XXXX, the agent said they cant reverse the amount they credited their account. First data requested evidence that the charges were correct and I faxed specifically what they requested. I waited and called to see if they received the fax and they confirmed they received the three pages I sent to them. They said it will take seven to ten business days to make a decision. I called after 10 days and the outsourced agent was very aggressive informing me that I havent provided the information and the case was closed. I tried to reason with him but he yelled at me and hung up. I was trembling for at least 10 minutes from the humiliation and the injustice I suffered. First Data did not handle my dispute fairly. The client provided a credit card to charge the amount they received and we got back the charge for the service we provided. The procedure that First data followed and the agent behavior are not acceptable. This time the client was honest and acknowledged she made a mistake but what is going to happen if we had more charge backs? Are we going to hope for more honest people or for the company we have been with all this time to treat disputes justly so we get paid for the services we provide?

I appreciate your attention to this complaint. 

regards, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.
Consumer complaint received 2019-03-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

In XX/XX/XXXXof last year I got a loan from ACE Check Cashing so i could keep my self afloat. I had just lost my job and filed for unemployment ( i was told verbally was approved ) at the time when i took the loan. At the time the person i had been dating all year stole that loan money and disappeared i have not seen or heard from them since then. but now ace check cashing has filed a law suite against me because i have not made payment on my loan with them. I paid XX/XX/XXXX and nothing since then. they claim i knowingly committed fraud and thats what they are trying to charge me with. That is called Slander and not for them to determine. They are not in the business of judging some one like that. Over {$700.00} they are going to ruin my current life and future by making a FRAUDULENT claim against me that is SLANDER if pretty sure both of those are illegal. They reported my social security number to the social security administration as fraud. At a time when I am dealing with job loss, while my health takes the turn of needing to be placed on XXXX. iIn XX/XX/XXXXmy lease ended on my apartment. in XX/XX/XXXXI took this Loan with intent of renting an apartment till ( the former partner ) took off with that money. In XX/XX/XXXXi paid XXXX they filed fraud claim against me. By XX/XX/XXXXI already started process of filing for bankruptcy. I had no phone no job no place to live so that give ace check cashing the wright to file claims of fraud on my social security number preventing me from ever being approved of any thing.
Consumer complaint received 2018-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (GA)

TD Finance continues to call for a XXXX XXXX that no longer has this phone number. I obtained this phone number several months ago. I have asked politely that this number be removed from their calling list as this individual no longer has this number. 
I have requested twice that TD Finance discontinue calling this number for XXXX XXXX. But I received another call on XX/XX/XXXX, XXXX XXXX, from TD Auto Finance : XXXX. 
I attempted to call but unable to obtain customer service because I am not a customer with this organization. I have twice requested they cease already. 
I feel I have been patient but now consider these calls annoying and harassing and for no reason because TD Finance refuses my request. They are calling an incorrect number.
Consumer complaint received 2018-02-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (NJ)

In XX/XX/XXXX, I was struggling to make payments on my auto loan with Ally Financial for a XXXX XXXX XXXX because of the government shutdown. I transitioned to the XXXX XXXX in Maryland and was attending the XXXX XXXX. In XX/XX/XXXX, when I received my first check from the XXXX XXXX I contacted Ally Financial and made a payment over the phone in the amount of {$1200.00} ( my entire check ) under the pretense that the vehicle would be caught up and there was no danger of repossession. Ally Financial told me that they would immediately contact the company that had been assigned to repossess the car and stop repossession immediately. When I arrived at home, the repossession company was in the driveway. I informed the repossession company that the payment in full had been made and that he should have received a call to halt the repossession. However, the driver repossessed the vehicle and took it to their storage facility. By the time, Ally Financial made the call, several days worth of storage charges had accrued and I simply did not have anything left to give until I received my next pay check. When I did receive that pay, Ally advised me that the only way that I could get the vehicle back was to pay half of the remaining balance ( which at the time was approximately {$8000.00} ) plus all accrued storage fees which would have been more then {$5000.00}. I did not have any choice at the time but to let the car go to auction. I was advised that if the vehicle sold for more than was owed, I would be given the difference which made me believe that if the vehicle was auctioned my debt to Ally would be paid in full. When I attempted several weeks later to find out what the vehicle had sold for and if I could expect a refund, Ally stated that they were unable to provide any information. Based on recent conversation with Ally Financial the balance remaining is {$11000.00}. I initiated conversation in an attempt to repair my credit, but they are only interested in getting their money. I am currently serving under XXXX XXXX XXXX XXXX orders and undergoing medical treatment. The financial advisor at the XXXX XXXX XXXX XXXX XXXX suggested I reach out to  you for help resolving this. I feel as though Ally Financial lied about their intentions to help me redeem this vehicle to get money from me and was unwilling to keep their verbal agreement once the vehicle was picked up by the repossession company. My credit has been seriously impacted by this repossession and it continues to affect my personally and professionally.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies PORTFOLIO RECOVERY {$1800.00} XX/XX/17
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Identify theft victim ; XXXX XXXX XXXX **Completely compromised Data breach- XXXX, XXXX, XXXX, and more. 
Identity theft SSN, Birth certificate, DL, Registration, Identity theft wallet I have submitted in writing and via telephone to all major 3 bureaus Experian, XXXX, and XXXX. XXXX, XXXX, XXXX, XXXX Issues as follow : 1. XXXX Failed to alert me of XXXX breach as I have been involved ( SSN, DL ), failed to add the requested Fraud alert, and security freeze. Resulting in more identity theft fraudulent activities. 
2. Experian added the security freeze successfully. Failed to add Fraud Alert. Resulting in having to purchase complete Identity theft membership out of pocket. 
3. XXXX failed to add security freeze as well as Fraud Alert.  Resulting in additional fraudulent activities. Having to purchase XXXX identity theft products for protection. 

Final results of not fully being protected by Consumer agencies who I relied on to prevent issues from arising as more activities add. Lack of protection has allowed more financial bariers to financial hardship HIGHER RISK, HIGHER INTEREST, VEHICLE REPOS, CYBER HACKING, HIGHER PREMIUMS, & Higher Deductibles /downpayment rates.
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Identify theft victim ; XXXX XXXX XXXX **Completely compromised Data breach- XXXX, XXXX, XXXX, and more. 
Identity theft SSN, Birth certificate, DL, Registration, Identity theft wallet I have submitted in writing and via telephone to all major 3 bureaus XXXX, Transunion, and XXXX. XXXX, XXXX, XXXX, XXXX Issues as follow : 1.  XXXX Failed to alert me of XXXX breach as I have been involved ( SSN, DL ), failed to add the requested Fraud alert, and security freeze. Resulting in more identity theft fraudulent activities. 
2. XXXX added the security freeze successfully. Failed to add Fraud Alert.  Resulting in having to purchase complete Identity theft membership out of pocket. 
3. Transunion failed to add security freeze as well as Fraud Alert. Resulting in additional fraudulent activities. Having to purchase Transunion identity theft products for protection. 

Final results of not fully being protected by Consumer agencies who I relied on to prevent issues from arising as more activities add. Lack of protection has allowed more financial bariers to financial hardship HIGHER RISK, HIGHER INTEREST, VEHICLE REPOS, CYBER HACKING, HIGHER PREMIUMS, & Higher Deductibles /downpayment rates.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX  ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.
Consumer complaint received 2021-09-05
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (FL)

I went on the Google Play Store and purchased {$25.00} in Google Play Store credits using my debit card. I then went to try using the credits on the XXXX XXXX as Google manages the payments. It refused to accept my Google Play Store Credit stating I have to be located 8n the United States. I checked and my VPN was off. There was no reason to deny my purchase. I then tried to request a refund. There is no option for explaining the issue. I was denied a refund. The company does not have a customer service phone number and wants the consumer to use the community as a way to resolve this issue. The company intentionally does this to keep costs low. They deny use of funds if it's a debit card knowing that it isn't protected as credit cards are. I humbly request that you fine the company on behalf of 5he hundreds of thousands of consumers who they do this to and request a refund from this cheap company
Consumer complaint received 2019-03-17
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: Experian Information Solutions Inc. (SC)

Called over the phone and submitted documentation online via Experian Upload to dispute fraudulent hard inquiries from a relative XXXX XXXX, who continues to try to use my information to open accounts. I need this information blocked and or removed immediately as I am trying to apply for a mortgage and these unauthorized credit pulls are causing me valuable points. My score is finally well over XXXX, but I still receive mail offers from creditors to an old address which he still resides XXXX Single XXXX XXXX, and he continues to misuse my information.