davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

You didn't give me a choice for what my issue is, its with Care Credit. I got the Care Credit card because I needed to have my XXXX removed and I just didn't have all the money needed. I was told oh Care Credit and as long as you make you payments in the alloted time they won't charge you interest. If you owe them money after the alloted time they will charge you 26 % interest retractive back to when you made the charge. Great I can do this, I made my payments every month, per what the bill said. I look at my statement this last month and I see over {$500.00} in interested added. I called and was told oh you didn't pay enough ( obviously ) but I paid what I was told and was under the impression that if I made my monthly payments this wouldn't happen. She tells me " Oh you needed to let us know if you wanted that evened out '' Seriously. That she would give me 1 more month to come up with over {$800.00} to even this out. If I had {$800.00} I would have paid for my XXXX. I think Care Credit was very deceptive in their practices, I'm thinking okay I'm doing the right thing, I'm making the payments when all along they were rubbing their greedy hands thinking oh she doesn't know she isn't going to have enought at the end of the year. So if anyone reads this be aware that Care Credit isn't the God send they make themselves out to be. DON'T TRUST CARE CREDIT ANY MORE THAN YOU WOULD TRUST XXXX, XXXX XXXX OR ANY OTHER CREDIT CARD. I have been working so hard to get rid of debt, I just paid off 2 credit cards with 26 % interest and now this, anymore here I feel like I'm walking uphill in quicksand.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Balance transfer — 
Company: Bread Financial Holdings, Inc. (CA)

I received an offer for a Balance transfer at no interest for 19 months with a 1 % upfront fee from Comenity Bank with which I had an existing account. 

I took them up on the offer and had {$1000.00} transferred two times to another card. For the third transfer ( to the same card as the prior XXXX transfers ) I arranged for a {$7000.00} balance transfer, Comenity accepted the transfer request, however they then refused to complete the transaction by only vaguely stating that there was a " processing error ''. 
I spoke with at least XXXX people at this bank including XXXX supervisors and asked that they clear up the " processing error '' and abide the agreement. 

They refuse to live up to a valid offer and acceptance.
Consumer complaint received 2019-09-27
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: EQUIFAX, INC. (AR)

On XXXX I contacted Equifax, XXXX, and XXXX  in regards to Inquires being placed on my Credit Report that I DID NOT AUTHORIZE. Even after contacting the Bureau I'm still getting alerts stating that Creditors are accessing my Credit File without my consent. I have placed a Freeze and Fraud Alert on my Credit File along with my Contact Number in which Creditors are suppose to contact me at the number listed to verify my Identity, but NO ONE has contacted me. I disputed the information with each Credit Bureau and was told about the investigation process. I sent them a copy of my Police Reports along with a Copy of my FTC Identity Theft Report, Copy Of My Drivers License, Social Security Card and Utility Bill to add with my dispute. I decided to contact the Creditors that we listed on the Reports individually. Each Creditor I spoke with had NO KNOWLEDGE or account under my name or Social! I have since received notices via mail from the Creditors stating that they have contacted the Bureaus to have the information removed from my Credit File. I have direct contact and letters stating the information should be removed, but why hasn't it been removed as of date from my Credit File. XXXX has removed the information from my file as of XXXX, but Equifax and XXXX  has not. The Inquires are EQUIFAX XXXX XXXX - XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 XXXXXXXX
Consumer complaint received 2019-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I used XXXX through my XXXX  XXXX XXXX account on XX/XX/2018 to purchase hockey tickets, at a cost of {$300.00}, that I never received. I realized within an hour I was scammed. I tried to call XXXX  XXXX XXXX to stop the payment and they told me I had to file a claim. I then called Wells Fargo where the fraudulent account was, to stop acceptance of the payment, and they refused to speak to me since I do not have a Wells Fargo account. XXXX XXXX XXXX reviewed my claim and said I made the transfer, there's nothing they can do. I only used XXXX as it is on the XXXX XXXX XXXX website, so assumed ( wrongly apparently ) it was a safe manner to transfer the money. I am a Premium Platinum Client at XXXX XXXX XXXX I have banked with them for over 35 years and they will do nothing to help me. I recently spoke to a friend who told me he had a similar situation. He banks at Wells Fargo and they reimbursed him the {$250.00} he had transferred to a scammer. So I decided to call XXXX XXXX XXXX and ask them to once again review my claim based on Wells Fargo 's reimbursement and they again refused to help me.
Consumer complaint received 2019-07-25
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)

For the part 5 years I have been paying $ XXXX/ month toward my student loan. After seeing late payments on my credit history and calling XXXX XXXX XXXX, I discovered that someone else 's information was in my account information and that my {$39.00} each month was not going toward my loan.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-07-25
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: JPMORGAN CHASE & CO. (CO)

Chase First Card allowed XXXX XXXX XXXX XXXX to charge to my credit card an additional {$780.00}, four months after my stay there, without my authorization. The dispute revolves around points used to stay at the hotel that the hotel said was sufficient at checkout but four months later negated that agreement. I have attempted resolution with Chase twice. I never authorized the charge.
Consumer complaint received 2019-07-24
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: CarMax, Inc. (CA)

On XX/XX/XXXX I sent a letter to CarMax to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing CarMax to pull my credit on XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately.

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Consumer complaint received 2024-08-14
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC. (AZ)

I received a certificate or service from the court indicating I was served by process server # XXXX, XXXX XXXX, on XXXX. The description does not match mine and was never served at the address listed. He described the person as XXXX ( XXXX lbs ) with a XXXX XXXX XXXX and XXXX and have never had a XXXX This guy lied about serving me and signed the paper declaring under penalty and perjury. This went through the whole court system without my knowing about it. When I called Midland Credit and spoke to the person handling my case, she replied, It doesnt matter if it wasnt you ; we still got judgment..
Consumer complaint received 2019-07-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: R.M. Galicia, Inc. (OK)

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX with a date stamp of XXXX XXXX, 2019. In this letter it states this is an attempt to collect a debt with a balance of {$4500.00} and has a signature as if there was a lawyer, and attached was a full Detailed breakdown of the services that was rendered to me on XXXX. 

XX/XX/2019 I responded with a certified HIPPA violation letter to that facility stating they didn't provide a HIPPA release form to their facility and with the information they provided violated my HIPPA rights.  Shortly after the account was deleted off my credit report and heard nothing else from XXXX XXXX XXXX XXXX XXXX XXXX. 

I received a letter from PMS stating as of XXXX the account was assigned to them for collection. XXXX XXXX XXXX already violated my HIPPA Law rights and turned around and release this debt to another collection agency for collections.
Consumer complaint received 2019-09-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (MD)

I have a Certificate of deposit at SunTrust which matured on XX/XX/XXXX. I called their customer service line ( included in their letter to me ) and they said I couldn't do anything until XX/XX/XXXX - even though the letter says in 3 places that the renewal date is XX/XX/XXXX ). On XX/XX/XXXX I went to the local branch ( XXXX XXXX/XXXX ) and was told that there was no reason I couldn't have withdrawn the $ $ $ over the phone on the XXXX. Then they said although the CD is for $ 87,000+, their new rules say they can't authorize more than {$25000.00}. This means they are keeping my money without giving me interest and keeping me from withdrawing it and re-investing it at another institution with better interest rates.
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (FL)

I leased a house rental property lease dated XXXX/XXXX/2016 and I terminated early because I lost my job and had to relocate for a new XXXX. Although not a reason to justify early termination, Under Texas XXXX ( XXXX. XXXX. XXXX XXXX. XXXX ), " if you do n't have a legal justification to break your lease, your landlord must make reasonable efforts to re-rent your unit -- no matter what your reason for leaving -- rather than charge you for the total remaining rent due under the lease. You need pay only the amount of rent the landlord loses because you moved out early. This is because Texas requires landlords to take reasonable steps to keep their losses to a minimum -- or to " mitigate damages '' in legal terms. '' I moved out on XXXX XXXX, 2016 but paid rent for XXXX 2016 ( through XXXX/XXXX/2016 ). I notified the property management firm on XXXX XXXX, 2016 that I vacated the property and to please re-lease it. The property was listed for rent by the property management firm on XXXX XXXX, 2016 and was successfully leased beginning XXXX XXXX, 2016. I should not owe any rent money for breaking the lease since it was rented immediately and there was no loss of income. 

Since the property management firm re-leased the property immediately, all I would be responsible for is the amount of time the unit was vacant, which was already paid by me when I paid XXXX rent. 

Now I have a collection agency trying to collect a debt of {$16000.00} which in my calculations is the remainder of the lease.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (DC)

I received an alert on XX/XX/year> that there was a new inquiry on my credit report. Company : CB INDIGO Reported by : XXXX I did not try to get a credit card through CB INDIGO. When I contacted XXXX, I was told I needed to dispute this through the FTC. To be clear, I did not request this credit inquiry.
Consumer complaint received 2020-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I got scam by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX told me to send her {$650.00} via XXXX  XXXX  on XXXX. I was able to sent {$400.00} via XXXX  XXXX  the XXXX XXXX was adamant that I need to send her {$250.00} to complete the total of {$650.00} via venmo. I paid the total amount of {$650.00} for XXXX  reading and XXXX  since she was going to remove the XXXX  on me. On XXXX XXXX XXXX called me again that I need to put {$2500.00} downpayment for the materials she needs and the church is helping to remove the XXXX  but I need to put {$2500.00} as downpayment and she will return my money within 10days I sent the money through venmo. Since venmo has no limit consumer protection program I was able to send {$2500.00} to XXXX XXXX. After I noticed that she just scammed me I filed a report with venmo if they can return my money back and venmo denied my dispute. Something needs to get done with the scammer and venmo and XXXX  XXXX  need to have a better proctection to protect innocent customer like me.
Consumer complaint received 2019-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (KS)

I recently set up auto draft for my account to draft my monthly payment from my bank account simply out of convenience. Im a busy person working 50 plus hours a week and I wanted to simplify my life by setting up auto draft. I have been making consistent payments of XXXX a month by manually going to the website and making the payment myself every month. I setup auto draft in XX/XX/2019. Nelnet made my first auto draft of XXXX on XX/XX/2019. Ok awesome my auto draft is set up and ready to go no more worries right!? Wrong. 

Nelnet turned around 3 days later and drafted XXXX dollars off my account on XX/XX/2019. Ok XXXX is this about. I call, they said oh it was a mistake you had one of your loans drafting at a different time of the month than the others, we will combine your loans into one monthly payment. What day of the month would you like your payment drafted on? I stated lets do the XXXX of the month since thats one of my paydays. Ok sir we will have auto draft of XXXX dollars on the XXXX of every month. Awesome thanks! 

Now heres the real cool part. Fast forward 10 days to XXXX XXXX. Check my bank account to find Nelnet drafted ANOTHER XXXX DOLLARS FROM MY BANK ACCOUNT!! What happened to XX/XX/227 dollars? How am i suppose to pay my mortgage when they have taken XXXX dollars from my bank account THIS MONTH ALONE!! Im so upset, Im a single father I have to pay my daughters health insurance and my mortgage and I have no money left thanks to Nelnet. This needs reported. I want my money back.
Consumer complaint received 2024-09-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

Macys credit card services account ending in XXXX. 

While not using the card for two straight billing cycles, I was billed a two dollar charge per 30 day statement. I was unaware of the fact that I would be charged an interest fee which then led to a late payment of {$5.00}. I paid that fee. This current billing cycle they once again charged me two dollars interest fee despite having zero transactions on my card. I called Macys credit card services and I requested them to waive my fee or their or I would cancel the account. However, as a timely paying consumer with no payments and a good history with the creditor, I have kept the account open. I would like a formal complaint to this particular creditor for assessing charges while having no transactions or usage of the card. That is discriminatory and not legal to assess consumers for not using the card.
Consumer complaint received 2019-09-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

In early XX/XX/XXXX I reached out to Navient about two 90 day late items that were on my credit for XX/XX/XXXX, from my Federal loans ( XXXX ) and ( XXXX ). The issue was that, these loans were supposed to be in forebearance/deferred ... as during XX/XX/XXXX I was accepted into another program at another university ( XXXX ). After explaining this, the representative on the phone advised me to resolve the issue I should send a letter and any other documentation I had to Navient 's credit department. On XX/XX/XXXX I sent a certified later via USPS that included the reason why the late payments were an error along with supporting documentation which included the emails I was receiving from Navient that updated me on my loans. I did not hear back from Navient, so today XX/XX/XXXX I called Navient only to find out that they still have not removed the late items from my credit and while they see the evidence I was being misled with their communications ... they are still deeming the late items valid. This to me is a gross violation of my consumer rights as ; 1. I was misled the entire time by Navient, whose communication and reps basically told me that I was in grace/forebearance. 2. I was not given adequate notice which is one of my consumer rights under FCRA ; to make arrangements to prevent my accounts to be delinquent, as Navient basically put a 90 day late on my credit reporting with giving me a 30 day notice. This has huge significance as I have been denied credit in the form of a mortgage and credit cards over the past months ... and lenders are citing the 90 day late as a adverse reason, which compared to a 30 day late would not have the same ramifications.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EXCEL FINANCE COMPANY (TX)

Unknown inquiries for potential credit

Excel financeXXXX 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MI)

I have reached out to Innovis and now I am writing to dispute several items on my credit report that I believe are inaccurate and incomplete. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is accurate, fair, and substantiated. It is imperative that the information contained in my credit report adheres to the XXXX standards, which mandate accuracy and completeness. According to XXXX guidelines, I expect the investigation to be completed within 30 days of receipt of this. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the necessary corrections. As per the guidelines outlined in the XXXX Format, I am requesting a thorough investigation into the following inaccurate items on my credit report. Accounts that need to be investigated are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  show 30 days late
Consumer complaint received 2016-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (OK)

This company has been allowed to put false information on my credit report. I do not owe them a debt. Each time the debt is added to my report it is sold to another one of these " companies '' and readers to my account. Each time with the same incorrect information. I do n't understand how it is legal for XXXX to allow this. Furthermore, this '' company '' has placed factually incorrect on my report. How exactly are they the original creditor? How exactly did they become responsible for the account on XX/XX/XXXX, when my last credit report pulled was XX/XX/XXXX and they were no where to be found.
Consumer complaint received 2021-10-26
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. (FL)

I was checking my credit report and i saw accounts which are not related to me. I don't recognize all these accounts, i don't know where did you get them from, I have never sign any contracts or agreements with these companies.