davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (NC)

Wrong ss number, does not belong to me, emails and calls wont stop. Asked them to remove.. chat, email, and phone calls made to them to clear this up.. Not mine, they called my work, swore at me, on sundays, and after hours legal. I want it removed off all three credit reports and to be left alone! I have also disputed with all three credit reporting agencies. they have my last four as XXXX i think. so it is not me as the last digit is wrong. going on two years of this.someone mustve used in my name if they did. NOT ME. Said they were an official
Consumer complaint received 2021-05-26
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: SYNCHRONY FINANCIAL (GA)

SYNCHRONY BANK ( ROOOMS TO GO ) reported a late payment on my credit report. I am trying my best to make the payment i have never been late on a payment before i am suffering from the XXXX. The late payment just make life that much harder i was just denied for a loan and also an employment due to the late payment being reported to my credit report. This has cost me so much emotional distress i am currently partnering up with FCRA attorneys to sue if this issue is not addressed in a timely manner I need the late payments removed from my credit reports immediately please
Consumer complaint received 2021-05-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

This has been an ongoing issue with Wells Fargo Auto Financing. They have " charged off '' the loan maliciously, in my opinion and refused to answer any of the topics I've communicated with them both on the phone and in writing despite these addressing every single issue they've raised. 

They've insisted in responding only with form letters that do not address the issue at hand. 

They have also sent me someone else 's loan information claiming it was mine. If this is a mistake, it should be addressed by someone at Wells Fargo. If it was intentional, it certainly should be addressed by someone at Wells Fargo. At the very least, the company has shared private financial information of another customer with me that they should not have. In the end, I have no idea if they are confusing my situation with another customer or not because they have refused to address it with me directly.
Consumer complaint received 2020-07-27
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX {$24000.00} XXXX   XXXX {$3400.00} XXXX XXXX {$390.00} XXXX XXXX {$0.00} DPTEDXXXX  XXXX {$5500.00} XXXX {$10000.00}
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (IA)

On my Credit report it just pop up a collection from a lender AFNI 11 at T with the amount of {$500.00} age of account 3 months. I am not familiar with this lender or collection.
Consumer complaint received 2021-05-26
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. (KS)

I have sent numerous letters to XXXX XXXX and Equifax regrading a fraudulent XXXX XXXX XXXX account on my credit report. Account number XXXX ... This is not my account this is a result of Identity Theft. I sent all three credit reporting agencies, and the furnisher XXXX my FTC report, report # XXXX. 
XXXXXXXX XXXX and Equifax are all in violation of the Fair and Accurate Credit Transaction Act ( FACT ) which E-Oscar guidelines state, " If a consumer submits an Identity Theft report to a furnisher and states that information maintained by the furnisher resulted from identity theft, the furnisher may not provide the information to any bureau, unless the furnisher is informed by the consumer that the information is correct ''. XXXXXXXX XXXX, and Equifax continues to report this account which is hurting my reputation to attain more credit. They keep saying the account is " verified '' as accurate without sending me information of how the account was verified : In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. i asked for The names and business addresses of each individual with whom they verified the information with above, so that I may follow up.The date they contacted the individual funishers of information.The method of communication they used to verify the information. I would also like to know if the furnisher provided you with my SSN, address or DOB. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against XXXX Equifax, and XXXX I have sent 3 previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2021-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2018-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (GA)

On XX/XX/2018- I was loaned {$800.00} via online by Amplify Funding. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 778.88 % - a significantly higher interest rate
Consumer complaint received 2020-07-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (TX)

I was a XXXX  of XXXX  XXXX XXXX. In the course of my study i have lived in XXXX apartment all my life. In the last year of my stay in the school, i signed a lease with them as usual. I realized i would be graduating in XX/XX/XXXX, so i decided to sign a 10 months lease starting from XX/XX/XXXX through XX/XX/XXXX. After XXXX, i moved out of the apartment since my lease expired XX/XX/XXXX which was my XXXX  date. 4 months later, i started getting calls from carter-young ( a collection agency company ) stating i am owing 2 month rent for XXXX and XXXX. 
This come as a surprise to me, and i sent a copy of the notification i received when i signed the lease to the collection agency. However, they refused to acknowledge the documents i sent to them. The document was sent to me by XXXX apartment and it states the start and ending of the lease in conjunction with how much am to be paying every month. 

Please help me look into this case as it has really affected my credit score. And they have really caused so much damages to me. I am willing to forward a copy of the electronic mail sent to me when i signed the lease if needed,
Consumer complaint received 2020-07-27
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. (AZ)

wrong address and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2020-07-27
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2020-07-27
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. (AZ)

I have been a victim of identity theft. I have asked for these fraudulent accounts be removed from my credit report and it has now been 60 days and these credit bureaus are unresponsive. When you call they say they didnt receive the documents although the certified mail states that they have. I provided the tracking info and was told they would look for it and call back but again no call. I was told it would take another 30 days after they have now had 60 days already to do their job. Att is point I dont know what to do.
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

" Portfolio Recovery Associates '' is making multiple daily calls to my residence daily. ( XXXX ) I have spoken them and requested they cease these calls. 

They have ignored my requests. Please help. 

Each time the call is from a different number but the Caller ID is " PORTFOLIORECOV '' Thank you, XXXX XXXX XXXX, PA
Consumer complaint received 2020-07-27
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. (NY)

I have a HELOC with XXXX XXXX XXXX that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called XXXX XXXX to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. XXXX XXXX XXXX also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (PA)

I received a debit card from US Bank for unemployment benefits. I never applied for XXXX   and I activated the card thinking it was a stimulus card. I want the card deactivated,
Consumer complaint received 2020-07-27
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)

I pulled my credit to myself for the first time in 6 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2021-10-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC (CO)

D2 Management - apparently a collection agency - called me from XXXX. They told me I owed 3 accounts that they hold. One was XXXX, one was XXXX, and one was XXXX. I do not recognize these accounts but I notified them that they can not collect on a debt from XXXX anyway because it is outside the statute of limitations for Ohio but she argued with me that it is not. 

I asked no less than 4 times during the call to have my debts sent in writing because I need to know who they were, what they were for, and when they were incurred, and she said things were mailed to me " before it went into collections and they do everything electronically by email. '' She flat out refused to take my address and send me anything in writing. 

I also notified her that she was calling me outside standard collection hours. She argued with me that it was XXXX. I live in Colorado. I used to live in Ohio, but she didn't give me a chance to tell her it was XXXX XXXX because she refused to take my address for mailing me the information and kept interrupting me and reiterating that I had to make a decision regarding paying these off or she " would have to tell her clients so they could make a decision about further legal action. ''
Consumer complaint received 2018-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

Our business received an e-mail from PayPal today, XX/XX/18, stating that after investigation our account has been limited permanently and all funds will be held for 180 days. We are not to do business with them and we are to remove paypal from all of our selling sources. The reason given in the email was that we violated the acceptable use policy. In reading the acceptable use policy again we found that we did not violate any policy as all of our sales come from XXXX and XXXX does not authorize any illegal activity. We called PayPal and spoke with a representative that could not give us a reason as he stated it was above his pay grade as well as his managers pay grade and the people I need to speak with do not answer phone calls but I needed to email XXXX to which I did. I have yet to receive a response as to the reason or the violation we did. Our funds are now being held and we have no reason from PayPal as to why.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VT)

Synchrony Bank, which administers Amazon cards, is aggressively pushing paperless statements without providing a functional way to opt-out. Here is an example email received today : " Your Amazon Store Card account is going paperless on XX/XX/XXXX. You will be able to quickly and easily view your statements and manage your account online. 
... 
Don't want to use paperless billing for this account? 
Click here by XX/XX/XXXX to continue receiving paper statements. 
By not clicking the opt-out link above, you agree to receive your statements electronically only. You will no longer receive paper statements in the mail. 

However, the " opt-out '' link goes to a non-functional web service. I have made multiple attempts at different times and each time returns : " 504 Gateway Time-out ''. 

It seems that a customer should have to affirmatively opt-in, rather than have to opt-out. And of course the opt-out service should function!
Consumer complaint received 2021-03-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (CA)

Had gotten a personal loan with Wells Fargo XXXX XXXX. Illegal charges ( forced insurance ) were added to my loan over the course of the years that they vehicle was being financed along with another account they had opened without my knowledge. There was a lawsuit against them that had neem filed and they were forced to reimburse all customers that were affected. 
They now owe me a checked in the amount of {$5400.00}. They said it was issued but I never received it. I've called on SEVERAL occasions inquiring. When I made the initial call in XXXX XXXX, XXXX I was told it would be 30 - 45 days. I've been getting nothing but the run around. They continue to say that there is not update. 
I need help!
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX  I used over XXXX Capital One points to purchase two Business Class tickets on XXXX XXXX for a river cruise in XXXX. The cruise was canceled due to COVID-19. I requested a refund from the airlines for the cash portion I paid for the ticket, and I requested Capital One credit back to my account the points that I used to purchase the airfare ticket, explaining to them the entire trip was canceled due to COVID-19. The airline immediately gave me a refund back to my credit card. The Capital One representative said it would take up to a month to credit my account with the points. Fast forward to today : It has been well over a month and the points have not been returned to my account by Capital One. They do not dispute any of the facts or information I provided to them. When I call all they say is my request is " being looked into. '' Meanwhile, there are many things I need that I could purchase with my points, but Capital One refuses to return the points to my account.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX is reporting on my XXXX credit report thatvi have over 600 dollars in collections.and reporting that I don't have any collections bur they are reporting the numbers which are inaccurate and its misleading to any creditor to give me any credit or financial assistance
Consumer complaint received 2021-10-07
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. (VA)

I have spoken to XXXX XXXX XXXX numerous times about them reporting my loan 30 days late on XX/XX/2017 and XX/XX/2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.
Consumer complaint received 2017-10-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (CA)

I applied online for a loan with this company on X/X/2017. I was approved for a loan of {$1500.00}. At the time that I accepted this loan, the Truth in Lending disclosure was not visable, and it shows an APR of 496.8091 % and that the total repayment amount for my {$1500.00} loan is {$7100.00}. I was not informed of this HUGE interest rate on the loan, I was told that there was a low finance charge. I was never able to view their " Truth in Lending '' disclosure until AFTER the loan had been processed and the funds delivered to my account, which from my research I have discovered is not legal. This company is predatory and their business practices are questionable. I have paid to date {$1100.00} and they are stating that I still owe them {$2200.00} at a minimum. This company should be investigated and stopped from taking advantage of consumers.
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (HI)

I opened a checking account in citi bank with a XXXX number. They blocked my account for no reason and i cant unblock it, they cant send message with the code to an international number and im XXXX  gerting the code by phone call either. I gave them all the information they requiered to verify im the owner ( pasport number, sevurity question, etc )