davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (SD)

I am currently in default with Synchrony Bank. I am well aware of the fact that collection calls are to be expected. Unfortunately, I recently started receiving calls & voicemails on my work phone. On one particular occasion the receptionist was told that they were calling in regard to a 'personal matter '. I worry that these types of calls will be noticed by my employers and could potentially result in problems at work.
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

XXXX recalled this collection notice due to incorrect information. amount was paid so they recalled it from the collection agency. I called the agency collection they said it can take about 2-3 months remove off my report since I don't have anything showed or owed to them. They stated they will be sending a letter to me showing I have a XXXX balance due to agency since XXXX did the mistake and recalled it from agency. Please help me remove it from report. 

USCB AMERICA XXXX XXXX $
Consumer complaint received 2022-12-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

RECENTLY, I LOOKED AT MY CREDIT REPORT, AND IT BROUGHT ON A TREMENDOUS SADNESSI HAVE BEEN FEELING DOWN XXXX  LATELY.THIS IS HARMFUL TO MY HEALTH AND A DEFAMATION OF MY CHARACTER.I FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) ( b ) ACCURACY OF REPORT OF THE UNITED STATES CODE 15 USC WHEN A CONSUMER REPORTING SERVICE CREATES A REPORT ON A INDIVIDUAL, THEY ARE REQUIRED TO TAKE RESONABLE MEASURES TO ENSURE THE DATA IS AS ACCURATE AS FEASIBLE.
Consumer complaint received 2015-07-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: USA DISCOUNTERS LTD (AE)

CFPB Shuts Down USA Discounters ' Servicemember Fee Scam!!!! 

I had a XXXX and electronics fro USA Discounters. Pretty much a whole house full of furniture. My concern is that for the longest time i was paying my bill with them to the day i paid it off I 'm affraid i might have been ripped off with the scam you all busted them on. Please research my account with themXXXX XXXXXXXXXXXX/XXXX/XXXXMy account was set-up back in XX/XX/XXXX and i paid everything off XX/XX/XXXX i think if my memory serves me right.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

I signed up for this card in XX/XX/2018 and have had problems with it since. They have charged me excess fees due to an error in their system with my autopay. When I opened the card, I signed up to have my minimum payment taken out of my checking account. I apparently entered my account number incorrectly on that first attempt and have called the bank multiple times to get it updated so that it can be paid timely and fully. The bank closed my account because it went 2 months delinquent without notifying me. I have called the bank no less than ten times asking them to update my autopay account because I can't do it now that my account is closed. They keep " paying '' the bill with the wrong checking account information and then charging me a returned check fee. I don't know what to do any more because I have made an honest attempt to pay off the balance, but they keep using known bad autopay information which continues to rack up fees. Additionally, I moved in the middle of the process and they refuse to update my mailing address so the notifications are going to my old address and are not making it to me to make a timely resolution. All of the statements that I have received have a note saying that no payment is necessary because I am set up on autopay, but then they use the wrong account. I can't keep dealing with the bank directly because I am getting nowhere.
Consumer complaint received 2019-08-07
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. (TX)

I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove
Consumer complaint received 2022-06-21
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. (NJ)

on XX/XX/XXXX I sent out a certified letter because they are reporting a bankruptcy on my credit report which they claimed they verified through XXXX XXXX. XXXX XXXX does not have a bankruptcy reported on my file, there for there is no way for them to have legally validated and verified a bankruptcy. They were given 15 days to delete the reporting and are coming close to the deadline
Consumer complaint received 2017-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TX)

Simply put I 've never heard of Diversified Consultants. Ive never spoken with them on the phone and I certainly never paid them anything. Since no payment was ever made to Diversified Consultants, by reporting any account as Paid, Diversified Consultantsare stating that a payment was received by them from me, when it was not ie ; providing False information to a credit reporting agency in violation of the FDCPA, and Willfully furnishing inaccurate & misleading information in violation of the FCRA. Simply put they are breaking the law and costing me money.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XXXX XXXX 2016, I cancelled my USAA MasterCard in order to limit my exposure to fraud and credit card risks. USAA opened another USAA XXXX credit card in my name without my consent or knowledge. As such they have now increased my risk to credit card fraud and identity theft. To make the situation worse they did it behind my back in such a manner that I would not be looking for a newly opened credit card. Additionally, when I tried to cancel the unauthorized credit card with USAA, they made the process overly difficult by insisting that they transfer me to a special department to process the cancellation. The reason for the transfer was because it was my only credit card with USAA. In talking with the representative on this matter : they said that if I had a second credit card with USAA that they would be able to cancel it immediately without transferring me to the " special department. '' As luck would have it, the phone call was mysteriously disconnected during the transfer - how convenient for USAA, I thought. The fact that the Bank can unilaterally create a contract between me and them for the extension of credit bothers me. Moreover, USAA makes it very easy to sign up for the card but cancelling the card does not have the same ease of process.
Consumer complaint received 2016-03-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC (SC)

I was behind on the loan and got caught up. The loan is due on every other Friday and I get paid every other Monday. I made a promise to pay on the Monday that I pay, so my promise to pay was XXXX/XXXX/16 and I got a phone call harassing me about my payment after I made the PTP. They called me 3 times and sent a text message. I called them and was told if you pay your bill on time I would not call you.
Consumer complaint received 2022-06-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (FL)

Rent Recovery Solutions Has not provided proof of the debt. They just marked another complaint I placed as a duplicate complaint. We have provided the proof that the debt is not valid and they have not disputed that proof or provided additional information. The company is knowingly bypassing federal laws and procedures in regard to debt collection. They have admitted that the original company did not provide any proof of their claims and that they were waiting for a response from them for over a month. I am again going to include the documents and letters I sent to them and am now requesting they prove to you that they investigated and responded to the request. Rent Recovery Solutions is Knowingly trying to collect a fraudulent debt and should be guilty of fraud. I am stating that this debt is not valid and that the charges being applied to my account are false. Please review the complaints I submitted and note that my secondary complaint that I submitted was not a duplicate as they claim and they have already admitted that they have not received proof to dispute my claims from the original " creditor ''. Rent recovery solutions was already notified in writing that they could only communicate with us using the USPS and contacted me through email this morning.
Consumer complaint received 2015-09-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Jim Bottin Enterprises, Inc (MA)

ABC financial made an unauthorized charge for XXXX $ to my visa card. ABC financial had contacted me over a month ago about an outstanding balance on my gym membership. The gym had informed me a year ago and we verified my credit card info so everything should have been set for ABC financial to charge me my monthly membership of XXXX {$.00} When I talked to them a month ago I had specifically said that the gym waived my late fees so the outstanding balance was around {$140.00}. I also had said and verified that they had my correct credit card info which they did. The representative was going to look more into the problem and call me back in two days with an answer as to why my credit card had not been getting charged But i told her specificallY THAT I DID NOT AUTHORIZED THEM TO CHARGE ME THE FULL XXXX $ BECAUSE I COULD NOT AFFORD THAT RIGHT NOW AND ITS NOT MY FAULT THAT THEY HADNT BEEN CHARGING ME ALL ALONG. I just looked at my credit card statement and on XXXX XXXX they had charged my card for the whole XXXX {$.00} This charge was not authorized by me and no one ever called me back to resolve the problem or to tell me they were going to do this. I am extremely upset and can not afford the full {$270.00} right now. I was more than willing to work out a payment plan with them and that was not even acknowledged. This is not the first time i have experienced horrible service with ABC financial. I will now be cancelling my gym membership
Consumer complaint received 2023-10-14
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: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
Accounts : XXXX XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$630.00} XXXX XXXX XXXX - {$1400.00}
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

When I first applied for my Capital One card, I was told that if I 'd made timely payments on it for 6 months, I would be eligible for a credit limit increase. After making 6 months of timely payments, I saw no increase. I was XXXX for training with the XXXX XXXX soon thereafter, and missed a payment deadline ( as I had no access to a cell phone or internet device ). I contacted a member of my XXXX XXXX XXXX ( financial assistance ), who relayed my concerns to Capital One. It was my assumption that Capital One would understand my circumstances ( that my inability to pay was due to no fault of my own ), and reflect this information on my credit score, after I had paid my balance. Upon paying my balance, my credit score reflects XXXX late payment in XXXX, similar to as if I had simply not cared about paying for my credit card statement. My credit score suffered. 

In early XXXX, I authorized an auto-bill pay on this Capital One card. I was in the process of receiving a new debit card from XXXX XXXX when my payment was due for Capital One. My payment was declined and bounced back to Capital One, who never informed me that my payment had bounced. When I saw twice my credit limit being charged for next month 's bill, I sought to dispute the transaction. Only after ( two or three months later ) I had gone to the physical branch, did they tell me my payment had not cleared and that I was being assessed two months worth of credit card debt. I then paid, but after my credit score dropped significantly.
Consumer complaint received 2022-06-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-05-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I responded to a letter from XXXX XXXX XXXX regarding an alleged debt by sending them specific demands for legally required paperwork they MUST provide as per The Fair Debt Collection Practices Act. All they sent me back were statement copies. The Federal courts have already ruled that statement copies alone do not meet the standard for validation of a debt by a debt collector
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Unable to get a credit score or report because all of the ph # they day are associated with me are not, asks my mthly auto payment from purchase in XXXX & I 've never bought a car, asks about mortar from XXXX and I 've never bought a house or had a mortage, no score and no report and all associated cities and numbers are not associated with me whatsoever.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

WHAT IS THE XXXX LAW THAT SAYS XXXX CAN CONTINUE TO ADD MONEYS TO A CLOSED ACCT.? IT STARTED AT $ XXXX I OWED, REFUSED TO PAY BECAUSE THEY SOLD ME A DEFECTIVE COMFORTER, THEN ACCT. WAS CLOSED, MY CREDIT REPORT THEN HAS $ XXXX NOT PAID, THEN WENT TO $ XXXX NOT PAID, NOW IT 'S $ XXXX WHEN DOES THIS XXXX STOP? WHEN DOES XXXX GET REPRIMANDED, FOR THE LIES, UNTRUTH OF AMOUNTS ON MY CREDIT REPORT? I AM NOT PAYING WHAT I DO NOT OWE!! XXXX/XXXX/16 NEXT WEEK IT WILL BE EVEN HIGHER OF WHAT THEY ARE TRYING TO RIP-ME OFF FOR!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have written the credit reporting agenecies Transunion and XXXX numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX MANAGEMENT that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( XXXX XXXX and Transunion ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against XXXX in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me thousands of dollars from getting loans ect.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i try to login into my transunion account to access my credit file and check the status of open disputes. every time i try to i get an error message saying that my file ca n't be accessed due to data provided. I have had the same account info for many years and the system shows me logged into my account. When i call in to the csr dept they tell me its nothing they can do. I want someone to tell me if there is an alert on my account that i 'm unaware of or why when i 'm denied credit i 'm unable to obtain a copy of my credit report that is entitled to me by law?
Consumer complaint received 2016-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Access Capital Services, Inc. (CA)

I 've been trying to get this collection of my name or get it paid! I tried to dispute it but it know shows that this company sold it to a third party and its showing on my credit report as a recent collection of 90 days with a balance of XXXX my original creditor was city of XXXX with original balance of {$350.00}. when they decided to sell it to this XXXX company they decided to put it as a new collection that just open XX/XX/2016. I 'm trying to fight this collection because its not a recent one and the information is not correct
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

We have had several problems with them ( Select portfolio servicing center ) over the years but the most recent problem is we were trying to get a Home mortification done, and we have started atleast XXXX of them. I have made my payments on time then after the trial period is up then start sending our checks back uncashed and start foreclosure again. Have many fees unexplained. We have had nothing but trouble from them in the last XXXX.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (MA)

I purchased a skin cream over the telephone-I received the product then the invoice on my XXXX Master Card-the next month I received the product again along with the bill-I called the XXXX and told them that I never ordered a XXXX order-I told them to not charge my CC any more-they continued to every month after they said they would not-I called the credit card co and explained that this was not an authorized charge-they said they would look in to it but could not prevent further charges-I said if that is the case cancel my card-they said they would but allowed more charges 3 months later-I even paid 1 month charges of product I did not receive just to get rid of the credit card-now they keep sending me statements with late fees and interest and are affecting my credit rating-can something be done about this.