davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (GA)

Today is XX/XX/XXXX over the course of the past four days Ive been told by my banking company by the name of current XXXX XXXX that with the dispute that I filed with these transactions that were made by somebody that got into my account while I was XXXX  in XXXX  for XXXX months that they would be under investigation, and after a 10 day. I would then we receive my provisional credit for the money that was taken from my account that I lost. the 10 day Was then exhausted and when they told me to contact him after the 10 days, if I had yet to get my provisional credit, they would give it to me and I contacted them. They started to then tell me tomorrow youll get it then it turned in to tomorrow to 24 hours then it turned into 24 hours to XXXX hours and now theyre saying a dispute team will contact me after now that the Claim has been escalated. Over the course of these past few days, Ive asked to talk to a supervisor or manager of some sort because of my frustration. When asked to speak to a manager Im given the runaround. Theyre saying that one is not available and are all they will do is give me the same information at the employees given me now. Im familiar with the regulations of the FDIC end of their company, and it states that after 10 days of investigation, I am to receive my provisional credit which I have not yet. Its now been close to 14 days. This is unfair and against regulations and rules of their own. They are not following protocol nor are they doing with their employees said they would do numerous times. Please help me to get what is owed to me.
Consumer complaint received 2022-10-30
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: Continental Finance Company, LLC (MD)

I called Continental Finance card service On XX/XX/XXXX when I have discovered credit card fraud on my XXXX  card after I made a {$700.00} payment to pay down my debt on the card and XX/XX/XXXX. When I went to check on my account and payment information on Sunday the XXXX was when I realize that all of these out of town charges were found on my account. There is only one purchase ONLY that I made on my card that was on the XXXX to buy perfume for {$100.00}. I realize that when I checked my wallet that I lost the card from my possession. I have fraud charges from several states and holds on my account from an XXXX XXXX, a liquor store, and a XXXX  hold in on XX/XX/XXXX in place. The false charges were for XXXX for XXXX in XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX in XXXX for XXXX, XXXX in XXXX for XXXX and another charge for something else for XXXX dollars. Charges were made on my card on XX/XX/XXXX, XXXX, XXXX, XXXX and the XXXX, I live in XXXX XXXX  and I am a partially XXXX XXXX XXXX XXXX XXXXn who does not use my card much and these charges are not mine. I know no one in any of these states and DO NOT eat at any places like these at ALL!. I want my money refunded back to my account because I paid XXXX dollars to reduce my debt on the card and then someone go and accessed my card. I did make a police report in the county where I live here in XXXX XXXX Maryland. All of these charges are from out of state where I have never been which is in California and Texas. They also sent me a replacement card that I have not activated until they return the fees that were taken from me.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to notify you that I am a victim of a data breach, resulting in fraudulent accounts appearing on my credit report. I am requesting that the accounts listed below be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX Accounts : XXXX. XXXX Bank Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. Self / Lead Account XXXX. XXXX XXXX. XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX Account XXXX. XXXX XXXX. XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX. XXXX Bank Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

On XX/XX/XXXX, I submitted a dispute for inaccurate names on my reports addresses that I am not living at to all three agencies. I also did this process in XXXX of XXXX and was put back on my Experian report. I enclosed documentation providing proof of my identity, and current address, as instructed to do the website. The three agencies have not removed the incorrect names and addresses.
Consumer complaint received 2022-10-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc. (AR)

I do not have any accurate dates as this situation was from XXXX. I visited an emergency room thinking I had insurance which I was spaying for through my job, it hadnt been active yet & I didnt know this until after the services provided. I received a bill for around XXXX XXXX I had started making payment but then had gone through some hardships & couldnt afford it. Which I had stated to the collections company. Years have passed & at one point during covid a XXXX $ medical bill showed up on my credit. A few days later it was off my credit. Now there is a XXXX $ bill in collections on my account that says it was opened XXXX of XXXX but the bill is from XXXX. Nobody has ever offered me any sort of assistance for this situation & I firmly truthfully believe I should not have to be dealing with this situation at all. Please help me in any way possible!
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX ) XXXX Subject : Request for Removal of Closed, Paid-Off Account from Credit Report Dear Capital One Credit Department , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX * Last 4 Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX * Account Closed : XX/XX/XXXX, XX/XX/XXXXXXXX  Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-30
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: World Acceptance Corporation (TN)

XXXX, World Finance Corp , submitted to CFBP on XX/XX/XXXX. 
The allegations of the complaint have been investigated. Protecting consumer information is of paramount importance to World. XXXX XXXX XXXX has submitted her drivers license and an ID Theft Report to World. World needs one more additional document in order to continue the investigation : XXXX. Signed Police Report stating ID Theft As such, our investigation will include, but not be limited to, contacting the issuing Police or Sherriffs Department to confirm their representation of the submitted materials. 
World Finance Corp, has been reporting fraudulent account information on my credit report for several years, and the loan accounts are identical accounts with account numbers are the exactly the same account numbers, dates accounted opened are 4 months difference date opened XX/XX/XXXX and date opened XX/XX/XXXX. 
WORLD FINANCE CORPORAT, {$430.00} Closed XXXX potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan WORLD FINANCE CORPORAT {$430.00} Closed Exceptional payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan I am requesting a copy of the credit application with signed signature for both accounts. The Fair Credit Reporting Act ( FCRA ) 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. Also, I have provided to World Finance Corp, FTC Identity theft affidavit, copy of driver 's license, and also provided them with the XXXXXXXX XXXX Police report number XXXX XXXXXXXX, XXXX Police XXXX. XXXX XXXX phone number XXXX XXXX XXXX, for police report information or to obtain a copy.
Consumer complaint received 2022-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DOB : XX/XX/1995 Experian Customer Services Attn : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Office & Experian Customer Services I recently purchased a copy of my Experian credit report through the Experian app, please use this letter as confirmation that I, XXXX XXXX XXXX XXXX XXXX herby Opt-Out and do not wish to resolve disputes with Experian through arbitration.

Again, I reject the arbitration clause in the Experian interactive service agreement. 
I also reject any other clauses that were not fully disclosed to me in the Experian interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Experian has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Experian has been prepared for Presentment to Experian, by me, XXXX XXXX XXXX XXXX XXXX a living and breathing man of sound mind and body.
Consumer complaint received 2022-10-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANCO POPULAR DE PUERTO RICO (NY)

In XXXX I opened a Popular Direct XXXX account after seeing that they offered a high-yield savings account with competitive rates. The interest rate was around 2.5 %. I've had the account three years and have wondered why the interest I've been paid this whole time seems much, much lower. Only now do I realize that they gave me a different savings account with misleading information - the interest rate still shows in the 2.5 % range, but the " APY '' has only between .5 % and .75 % since sometime in the middle of XXXX. My current statement shows the 2.46 % rate but also the much lower APY. I did not understand the difference between these numbers. 

This is false and misleading advertising- my statement shows the 2.5 % interest rate and in my view, the bank owes me 3 years of back-interest at the advertised face interest rate. 

When you go to their main page advertising their savings accounts, they advertise a 2.5 % APY and now I see there is a footnote that says that APY only applies to " High Rise Savings '' accounts. I was on this similar page when I opened my account up 3 years ago and clicking to open an account did not open a " High Rise Savings '' account - they put me in something called " Ultimate Savings '' which looks like the same face interest rate but somehow they are getting away with paying only a miniscule APY.
Consumer complaint received 2022-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (WA)

Diversified Adjustment Account # XXXX. original XXXX Opened XX/XX/2022 Amount Dept {$310.00} The Diversified Adjustment collection agency try to collect the same amount of {$310.00} opened XX/XX/2022 I did not open any account with XXXX on XX/XX/2022 This XXXX  Account was disputed as a fraud on Report XXXX by XXXX. XXXX XXXX on XXXX, 2022 the amount of {$310.00} I files a Complaint amount the XXXX. XXXX XXXX and XXXX on XX/XX/2022 here are the Numbers : Complain # ID XXXX on XX/XX/2022 Second Complain # ID XXXX on XX/XX/2022 The manners of this XXXX  Account are Fraud my information is inaccurate I did not opened any account with XXXX ion 2022 I did not have any mobile phone with XXXX  Phone company...
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1997 Experian Customer Services Attn : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Office & Experian Customer Services I recently purchased a copy of my Experian credit report through the Experian app, please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Experian through arbitration. 
Again, I reject the arbitration clause in the Experian interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Experian has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Experian has been prepared for Presentment to Experian, by me, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST NATIONAL BANK OF OMAHA (RI)

XXXX XXXX XXXXXXXX transferred their credit card affiliated with XXXX to XXXX ( First National Bank of Omaha ). I received the new card in the mail and followed the instructions. Their website loaded after about 5 attempts and when I finally got it I received an error page that stated, " sorry, we can't access your account. '' Which I thought was odd. So I tried calling and called three different numbers i found and all of them stated, sorry we are experiencing heavy call volume and then it kept repeating that it couldn't help me so I hung up. I also received a credit alert from my credit monitoring report that I have charges that exceed over {$2000.00} of what my balance should be which leads me to believe that someone is charging on this new account since I haven't used the card! I also tried emailing them but the website does not register and gives me an error ( I am tech savvy so not sure why this is happening and I opened it up on XXXX  and XXXX and both don't work ). Just all error messages and not I'm afraid that this will ruin my credit report 's good standing. I have no idea why XXXX XXXX XXXXXXXX did this! I am frustrated that this new credit card company is ruining everyone 's credit! I can't even make a payment if I wanted to. I also have everything documented.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (VA)

A credit card from Chime arrived via postal mail. The account was set up without my knowledge. 

Other info : *The name on the card was an odd spelling of my name.

*I called Chime and had the credit card account cancelled.

*The envelope with the credit card came to my mailbox, which is locked, so there was no ( easy ) way for someone to steal the credit card from my mailbox.

*While this incident didn't cost me loss of money ( yet ), it has already caused my household lots of undue stress. I personally spent XXXX hours checking how to protect myself and my household from further identity theft.
Consumer complaint received 2022-10-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (IL)

XXXX XXXX forced me to pay an additional amount for State Sales Tax plus non payment fees and fines. 

The State of Illinois incorrectly sent a payment demand to XXXX XXXX for sales tax. The sales tax had been paid at lease signing by the Dealer. ( see attached copy of cancelled checks ) I had to pay {$1500.00} to XXXX XXXX because XXXX XXXX paid the State of Illinois without checking the validity of the demand. 

I have contacted by phone and mail every number and po box provided by the company. I finally got a response which stated that I will get my money returned if and when the State of Illinois makes a refund ( see attach response ) Essentially I am being forced to pay the sales tax twice plus fines because of their lack of due diligence.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (LA)

Spring Oak Capital account # XXXX. 
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (LA)

LVNV FUNDING ACCOUNT # XXXX. 
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2024-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (UT)

Synchrony Bank, through attorney XXXX XXXX XXXX, have attempted to fraudulently collect on a debt collection case ( XXXX ) that was previously dismissed on XX/XX/XXXX ( with a court notice dated XX/XX/XXXX sent out to all parties ) by filing for new motions for default judgements on XX/XX/XXXX. 

The creditor violated the FDCPA by improperly and deceptively attempting to collect on a dismissed case ; and their actions have been misleading, harassing, and often in violation of fair debt collection laws. 

Please review these statutes. 

XXXX - False, Deceptive, or Misleading Representations XXXX - Unfair or Unconscionable Means to Collect a Debt XXXX - Harassment or Abuse XXXX - Communication in Connection with Debt Collection This could also constitute an abuse of process, thank you.