davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$44000.00} ; XXXX  XXXX Balance Owed : {$44000.00}.
Consumer complaint received 2023-09-30
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. (GA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX PL XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX MOR Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-09-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I am not liable for the debt with XXXX at XXXX XXXX XXXX. I do not have contract with Fair Collections and Outsourcing Inc. They did not provide me with original contract as requested
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to bring to your attention a matter regarding my credit report. On XX/XX/XXXX, I contacted Experian to dispute the following incorrect information on my credit report. To date, I have not received a response from Experian. I am providing the details of the inaccurate information and the required corrections as follows : The following account was never late : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$4500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Please remove it from my credit report.
Consumer complaint received 2023-09-30
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

Care Credit had me fooled into applying for promotional 24 months no interest charges if balance paid within time frame. This was a deferred interest credit promotional offer and I was not aware. Upon the promotion end date, I was charged {$860.00} in interest based on a balance of {$1100.00} owed. My statements weren't mailed out because I opted for digital statements which aren't mailed in detail in email and you must log into their app to view. I wasn't aware of when the promotional deadline would end in XXXX. Due to this I was charged this large deferred interest amount and found out only once the charge occurred by putting this credit card over balance of amount borrowed which XXXX alerted me of credit score changes once reported to the credit bureau. 

Upon finding out this way this week, I immediately called Care Credit to discuss. They were not helpful, didn't detail what accumulated to the {$860.00} deferred interest charge, and told me nothing could be done to reverse it. How is this possible? This interest charge is absurd for what I owed. I want to know what can be done to appeal or fight the charge. Why would the amount be this high? I am lost for words for what they did and how it was miscommunicated. I don't believe this was fair and should be illegal. I hope to warn others about Care Credit, to be careful signing up with their credit, and be aware of what they did to me.
Consumer complaint received 2024-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PatientFi, LLC (TX)

Patient Fi {$4300.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX. $ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Actions Taken : sent companies, identity, theft, affidavit, police report filed with the XXXX Police Department for fraud with all fraudulent accounts added on report. 

Spoke with representative XXXX XXXX from PatientFi on XXXX XXXX they agreed to remove the fraudulent accounts, but they have yet to do so. 

Spoke with representative XXXX XXXX XXXX XXXX from XXXX XXXX XXXX he told me the account was taken out in my name by a XXXX XXXX XXXX. I do not know who that is nor did I authorize them to use my information to take out any type of loan. 

The loan that was taken out were done online electronically from XXXX XXXX XXXX by XXXX XXXX. My name is XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 or has reasonable cause to believe that the information is inaccurate.

Chapters
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Affirm Holdings, Inc (IL)

I contacted XXXX and set up a job. This job was immediately canceled. The amount of {$160.00} was charged to AFFIRM. 

XXXX ONLY REFUNDED TO AFFIRM {$130.00}. AFFIRM SAID I OWED THEM {$31.00}. 

XXXX SHORTED REFUND BY {$31.00}. 

AFFIRM INSISTED I OWED THEM. 

They continued to harass me even though I provided proof that XXXX JOB was canceled. 

I finally paid the amount I did not owe - {$31.00} out of collections fear
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (TX)

I have contacted this company severally about this account. It was transferred to another account that I had with progressive and paid on time. The issue is with XXXX  and they are aware and resolved it on their end. However, my latest complaint resulted in the lm changing the dates on when the account was closed. They updated it to the date of the complaint. So not only have they refused to address the issue correctly. They changed the datesno. The account and made it current on my credit report, thus dropp6my credit by XXXX points. I dont n have faith in them fixing it if I reach out again and would appreciate any help this department can offer in resolving this situation
Consumer complaint received 2023-09-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

Purchased a top from XXXX XXXX shop in XXXX. Cashier repeatedly pressured me to apply for store credit card to lower the price of the top by {$20.00}. After saying no thank you 4 different times to no avail, finally agreed because customers behind me were getting impatient with the line. I dont use store credit cards and when the bill arrived, I must have thought it was junk mail and tossed it out. The actual credit card arrived after that and then I remembered. When I received the second bill, I was charged a late fee that was more than the {$20.00} discount given initially, but paid it $ ( XXXX ) I added a note to please cancel my account and described the pressure given at the store. My check for {$36.00} was cashed by the company. Now have received another bill for an additional {$75.00} in late fees. I called the company and asked that these late fees be adjusted/ forgiven and was told no. I asked to speak to a supervisor and spoke with an XXXX who was very polite but also refused. So I will be paying a total of {$100.00} for what was supposed to be a {$17.00} blouse. I am XXXX XXXX XXXX, and this is very distressing for me.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2024 I received two separate emails from an entity named Venmo. One @ XXXX XXXX  then again @ XXXX XXXX. One email pertained to Upcoming changes to Venmo and the other is pertaining to a person named XXXX XXXX requesting {$97.00} via Venmo. Ive never used Venmo or and form of money transfer app ever. I dont know why Im receiving this most likely is a phishing scam or new XXXX phishing scam. I did not open either email but will send pics of the email from my XXXX email account and associated information of the sender for your viewing. Hopefully, you might be able to investigate these scamming emails and illegal activity thats going on. Thank you in advance for any assistance you may provide Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (DE)

I submitted multiple complaints through the consumer finance portal and requests closed without investigation. Finally received a letter and spoke to someone who understood my concerns at WF and she asked for further documentation. I sent everything to her attention and received a form letter from yet another associate who included a copy of the previous letter that I responded to... They did not address the multiple documents I sent and ignored my concerns of the modification being {$20.00} less than my mortgage payment. 
I have requested a thorough review, was contacted and provided documentation they requested, and they respond without review of my documents with a form letter and copy of an old letter. HOW CAN THEY STILL BE IN BUSINESS?? So many people have had this problem with them. Please, look into this it has been a nightmare. I have provided everything they asked for time and again, and they send me a letter dated weeks or months ago and say they reviewed it. HOW IS THAT POSSIBLE? The modification was {$20.00} less each month than my mortgage payment and was my entire salary. I sent them pay stubs and tax returns!!! How did they put me through hoops to qualify for that mortgage when I was making $ XXXX, yet the modification based on $ XXXX was only {$20.00} less per month. They blamed Fannie Mae who I spoke to and the executive at Fannie Mae said it was Well Fargo 's choice and they would agree if WF reduced it. Friends who are younger and made more money were able to get modifications at less than half my mortgage payment and save their homes, yet WF was only deducting {$20.00} per month. I know of XXXX families with investors who saved their homes. What they did to people by putting them through hoops, yet not looking at the documentation was awful... yet the are still in business, and I see people still complaining about them.
Consumer complaint received 2024-03-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

In XXXXXXXX XXXX XXXXXXXX we sent a security with a declared value of {$19000.00} to Capital One Registered mail # XXXX With no response. That was the last time we received any letters of communication or debt securities/remittance coupon from Capital One. 
In XX/XX/XXXX we tried sending a debt XXXX coupon to who we thought was a Capital One trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a declared value of {$890.00} Registered mail # XXXX with no answer to communication. 
In XXXXXXXX XXXX XXXXXXXX we found a trustee for Capital One XXXX XXXX with XXXX XXXX XXXX XXXX XXXX and sent her a XXXX asking to remit it properly and send back copy sent certified mail return receipt # XXXX with no answer to communication. 
In XXXXXXXX XXXX XXXXXXXX there was a knock at our door with a man and a tow truck claiming to be sent from Capital One to take our vehicle. We refused and he threatened us before he left. 
The next day we sent a Conditional Acceptance for Value for Proof of Claim, For VALIDATION of Alleged Debt to XXXX XXXX XXXX XXXX of Capital One, Certified mail return receipt # XXXX with no response to communication. 
In XXXX we sent a Notice of Fault and Opportunity to XXXX XXXX XXXX XXXX  letter Certified mail return receipt # XXXX with no answer to communication. 
A couple days ago we looked on our ring cam and found that another person came to our door driving a tow truck while we where not home. 

We have tried to remedy the situation by communicating with letters securities/remittance coupons and Promissory notes without responses 31 usc 5118 We checked our credit reports and it says charged off
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (KS)

I submitted a SAVE plan request on XX/XX/23. The website informed me I would receive an email from them in 3 business days for approval and if not I would get an email with a status update in 10 days. It has now been over two weeks and i havent heard anything. Today, XX/XX/23, I waited on the phone for 2 hours and 45 minutes before someone answered. I was told that today they just finished processing applications for SAVE from XX/XX/23 so it would be another 3 weeks before I found out if I was approved. I then asked why the website said 3 days for approval and 10 days for a status update and the customer service rep said that was only during normal processing time and that they were having longer than normal processing time but mentioned that no where on the website or via email. In addition, during this time my loans are acreuing interest daily while I wait for the SAVE plan approval and she said she can not do anything about it due to long wait times. So I am ready to start making payments on my loan via SAVE but I am unable to do to the lag in processing time and NelNet can not pause my interest accruing. So I am just being penalized because they are behind on request approvals. They have no updated information on their website that they are behind or anything.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IN)

I have had the American Express card for over 4 years and never missed a payment. From {$2000.00} my limit is now {$13000.00}. Last night while I still had over {$9000.00}, I tried to make a purchase and it wouldn't go through. I called Amex and was told my limit had been reduced from {$13000.00} to {$3900.00}, the exact balance on the card. My limit was reduced in the middle of a transaction. I had checked my balance before trying to make the transaction. I was told my limit was cut because I have not been making payments and my credit score is low which is very untrue. I have never missed a payment or made late payments in over 4 years and there is nothing wrong with my credit score. I could not complete the transaction and I was left stranded because now I can not pay for the bid I won at a car auction with XXXX  This drastic action will also hurt my credit score and raise my credit card utilization.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared.

I demand proof of a permissible purpose for the inquiry or account within my report. This letter is a clear indication that you have not fulfilled your responsibilities adequately. If this matter is not promptly resolved, there may be serious consequences. Therefore, I am granting you a 30-day period from the date of delivery to rectify the situation and ensure that all issues are resolved without the need for further intervention or escalation. Additionally, I request tangible evidence of the actions taken and an updated copy of my credit report. The claims listed appear to be inaccurate. Therefore, I urge you to provide accurate and verified information for each claim. If the allegations are indeed false, I expect them to be promptly DELETED from my credit report. 

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 I also would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that these credit bureaus are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU SO MUCH!
Consumer complaint received 2024-02-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER HOLDINGS USA, INC. (WI)

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 and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This late payments found within my credit report are not related to any transactions 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 FTC.