davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (PA)

Affirm has twice now turned on automatic payments despite me not giving consent, which is illegal. I have fortunately been able to turn them off before there has been any impact to my finances, but I don't want others to have the same issues. I have had no late payments or any other reasons for them to be doing this other than sheer negligence or mal intent.
Consumer complaint received 2020-10-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/20, I contacted Wells Fargo XXXX XXXX XXXX to request they waive my escrow account per Wells Fargo Home Mortgage Form 3011, page 4 of 14, Number 3 Funds for Escrow Items, line 12. I went through qualifying process with a manger and was decline due to in forbearance. On XX/XX/20, I signed my Disaster Extend Modification. On XX/XX/20, I received a call from XXXX, Wells Fargo corporate representative XXXX to inform me that my request was denied. He stated Wells Fargo required me to hold an escrow account. XXXX XXXX XXXX  XXXX XXXX had no problem waiving my residential escrow account. Why Wells Fargo my rental escrow account? The answer {$21000.00}. I can save and pay my own home insurance and taxes at that cost. Are escrow accounts mandatory at Wells Fargo?
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (MA)

On XX/XX/2020 I recieved a call from Lexington law firm addressed at XXXX XXXX # XXXX, XXXX XXXX, NY XXXX ... They stated they'd help me repair my credit for {$29.00} a month until credit improves. Stated I had about 3 hard inquiries on my credit report that they could fix. I agreed by XX/XX/XXXX they could take the XXXX and move forward. When XX/XX/2020 came I logged in and check my account with them and was going to cancel services but noticed they were going to take {$120.00} instead amount agreed on ( XXXX ) so even more I was going to cancel services. I go and look today again on my account services and now it states I'm needing to pay {$140.00}. I spoke with a female named XXXX on XX/XX/2020.
Consumer complaint received 2020-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (OR)

On Saturday, XX/XX/2020 at XXXX, a third party collector called me, reaching me on my cellular smart watch. The collector asked to speak with my father by name. I searched for and found my father, whom spoke to while I held my arm up so he could communicate through my smartwatch. She identified as collector at that point, and I let her know she was in violation of the fair debt collection practices act by reaching me on my smartwatch to collect from another party. 
It is my belief that she was aware this is not his phone number, and made this call with the intention to harrass and humiliate him by contacting another party whom did not have any interest in his debt. Furthermore, she contacted me on a cellular line, for which I am charged monthly to receive calls, which I also understand to be a violation of section 808 of the fair debt collection practices act. She also did not notify me upon calling me, that she was calling to collect a debt, unlawfully concealing the nature of the call. While I understand a collector would not want to release that information to a third party, I would counter that a collector should not, in that case, contact a third party. Had she identified herself as a collector at the beginning of the call, I would have simply asked her to reach her client at their own phone number and not my phone number.
Consumer complaint received 2019-10-08
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: Risecredit, LLC (MO)

XXXX  is reporting incorrectly a collection/charge-off on RISE account number XXXX. ( Please see page 2 of the attached credit report. ) In XXXX, 2015 I made a final payment of {$2100.00}. This payment should have made this account report a {$0.00} balance. The total amount of the loan was {$2500.00}. I keep receiving bills for outstanding balances due that are non-existent. I make the payment required, only to discover that none of the payments are applied to this account. Every time I inquire about what the actual balance due and owing is, the amount goes up and up. I have paid over {$11000.00} on a loan that I never even signed for. This account was opened fraudulently by my ex-husband however, I had no choice but to make the payments until I straightened this account out. I received no assistance from RISE and they refused to close this account. My ex husband e-signed my signature without my consent. I did not authorize and/or approve for this account to be opened. When I discovered that there was an account in my name, I immediately contacted RISE and let them know I did NOT open this account. I requested copies of the alleged documents that I signed and discovered from the Disclosure Agreement that this fraudulent loan that was taken out was charging 274.21 % interest. According to their calculations, the original loan amount of {$2200.00} would cost over {$8700.00} in finance charges. After making all of the scheduled payments the total cost of the loan would exceed {$11000.00}. This is PREDATORY LENDING to say the least!!! The Federal Loan cap on credit cards is a maximum of 28 %! I was forced to make the minimum payments due until we could come to some resolve of this fraudulent account. I was never able to make any headway with the representative and as time marched on, the account grew larger and larger. I would pay it off, only to have a statement arrive and see that the balance due was more each month. This incorrect reporting is seriously harming my credit score and this account needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

On XX/XX/XXXX I got a notice from XXXX that Penn Credit had reported a negative account to my Credit Report. Today XX/XX/XXXX I get a notice that they updated the negative reflecting it is negative as of XX/XX/XXXX but was opened in XXXX. I have never received any written notice from this company of any debt prior to the collection being placed on my credit and have no knowledge of owing them or XXXX XXXX as I have not lived in XXXX Florida in years.
Consumer complaint received 2020-11-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

I've been contacted multiple times by email in connection with a debt that I don't owe from a company I don't recognize. The debt is also listed on my XXXX credit report. The companies name is XXXX XXXX XXXX. They have sent me emails asking for payment in the amount {$1000.00} on XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020.I 've never heard of the company before and the same debt is listed on my XXXX credit report as being owed to LVNV Funding, LLC. I've never done business with either company and believe this is fraudulent activity.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have sent several letters to Experian regarding information they are reporting regarding the accounts found below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Since XX/XX/2020, I have sent them letters asking them to verify these debts due to the fact that I have asked for " Validation '' from these alleged XXXXollectors that I have and they have not " Validated '' these debts!. Per the Fair Collections Practices Act, if a collection account can not be " Validated '' within the time frame allowed by law. ( 30 days ) the credit bureau in this case Equifax " MUST DELETE THE ACCOUNT ''. XXXX has failed to " Verify ''! XXXX has failed to " RESPOND TO MY LETTERS ''. For that reason due to the fact that they are in incomplete violation of the law, " THEY MUST DELETE THE ABOVE MENTIONED ACCOUNTS IMMEDIATELY '' That is all that I am asking for that they observe and respect the law. 




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Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (VA)

I opened my Sony Visa account with XXXX XXXX in XX/XX/XXXX and have maintained it in good standing ever since. It was recently brought to my attention that someone had possibly taken over my account by adding authorized users who I did not know. I had contacted XXXX XXXX and they placed a hold on my account. In the meantime, I received a card from Comenity Bank saying that they were purchasing my account. I only received one card, so I assumed that the issue with the additional authorized users had been resolved and the new card number was the replacement for the card number that had been compromised. I activated the card on with Comenity when I was able and registered with their website. The account showed that my available credit was {$0.00}. I contacted their web support and was advised that my account was closed. I called again today ( XX/XX/XXXX ) and was advised that my account had been closed by XXXX XXXX and that it did not qualify to be reopened. I had been using my account as recently as XX/XX/XXXX and was given no notice by XXXX XXXX that my account had been closed. I have managed the account for nearly 5 years in excellent standing, yet the sale of the account from one bank to another appears to have lead to my account being closed without reason. I want whatever happened in the conversion to be fixed so that the account I had at XXXX XXXX is the same account at Comenity. I want Comenity to carry the open status of my account from the previous issuer to their system. Their lack of conversion expertise that caused my account to be closed in their system is unacceptable. I would attach a screen print of the account reporting from Comenity, but they have not reported my account in any status since they purchased it.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NC)

I called Elan Financial approximately 1 month ago asking why they still had not reported my credit card account as being closed. The agents both told me that I needed to write a letter to their Collections department somewhere outside of their company headquarters, because supposedly the two departments have nothing to do with each other. That explanation makes absolutely no sense whatsoever-if Elan 's regular customer service department has access to our account info, then that means they have the ability to communicate with their Collections department on their own. It is not the customer 's responsibility to fix his or her credit report. They obviously reported my account as late-they can go ahead and report the closure as well. They are the party who closed my account-NOT ME! By Elan refusing to report my account as closed, they are able to continue adding interest charges and late fees onto my account!
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent Equifax a letter to dispute an invalid account and multiple invalid inquiries being reported on my account. USPS confirmation shows Equifax received the letter XX/XX/2020. It has been 30 days and I have not received any correspondence related to this dispute. Equifax 's failure to respond to my letter and investigate these invalid items on my report are cause damage to my profile resulting in credit denials, higher interest rate and damage to my reputation. I have attached a copy of the XX/XX/2020 letter sent and a 30 day non response letter.
Consumer complaint received 2019-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several items on my credit report due to fraud and i have reach out to all three credit bureaus with absolutely no response. not one has even investigated the issue or tried to assist me in any way.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

For about a month, I have been getting repeated calls from PortfolioRecovery in an attempt to collect a date. 

Call Log as follows : XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX Answered, I asked them to stop calling, I was told that their business practices allow them to keep calling to which I replied that Colorado state law supersedes any and all business practices that might be allowed in other states or otherwise. I blocked this specific number XXXX XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Goal Structured Solutions, LLC (AZ)

I have paid in full debt with launch servicing. They bought out the loan so it showed two different accounts then I paid in full. Call the company. Since no one will do it. Cause I disputed it and u guys it stand. I called the company and they said its paid. U guys are not looking into the dispute. I disputed it more than once I will take further action if the correction is not made.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax is reporting Incorrect historical data for myself which I have reported on XX/XX/2020, Second follow up on XX/XX/2020. Equifax FAILED to update the correct information on my credit report. Equifax violated federal law, and FCRA. 

EQUIFAX, reports incorrect addresses that I NEVER LIVED OR BEEN ASSOCIATED WITH, and names that do not belong to me. ( PLEASE SEE ATTACHED )
Consumer complaint received 2020-11-01
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: USCB Corporation (NY)

On XX/XX/2016 XXXX  XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold to USCB Corporation and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, USCB Corporation has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Fraudulent transactions totaling {$1400.00} Cleared in my card XX/XX/XXXX. Reported the fraud to BOA same day. BOA added temporary credit XX/XX/XXXX. XX/XX/XXXX mailed letter saying investigation complete. Credit permanent. Claim closed. XX/XX/XXXX letter mailed saying claim is closed, credit to be debited from account. XX/XX/XXXX BOA withdraws {$1400.00} from my card. In daily phone calls with claims and customer service BOA lies and tells customers EDD took the money. XX/XX/XXXX BOA admits it was a bank error. Promises to amend error and Reopens claim. XX/XX/XXXX, still no resolution, no information and BOA has failed to return funds or provide requested documentation on investigation or claim, in violation of federally regulated zero liability consumer rights under Protected under section E of account agreement. 
Need help
Consumer complaint received 2019-12-09
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. (CT)

XXXX XXXX XXXX balance of {$770.00}, is not reputable. I contacted the creditor and was told they would remove the account. Instead, they have continuously taken it off and re-add it to my report.
Consumer complaint received 2020-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (SC)

I am a new homeowner who has had my mortgage for almost 2 years. Amerihome mortgage company has gotten my tax payments incorrect for the last 2 years. I recently refinanced because they were unable to correct the issue which resulted in them issuing me an overpayment in escrow and the city was overpaid taxes which resulted in them issuing me a check for over XXXX. This year the same problem is occurring I have sent them 5 copies of what my tax bill should be for 2021. I have emailed the escrow team on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time they ask me for the same information that has been provided because they have my 2021 tax payment being over {$6000.00} this has resulted in my mortgage payment being well over the amount I refinanced at. With multiple calls they are unable to correct the issue and I worried that the issue will result in me needing to refinance again.
Consumer complaint received 2019-12-09
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. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$5400.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than the amount due so consequently this account needs to report a {$0.00} balance. Even after the vehicle was sold, an increased balance due is being reported. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TN)

All 3 Credit Bureaues are reporting that I have 2 Discover Bank accounts and thats inaccurate information, I only have one up to date paid as agreed with no delinquents credit card account. Its also reporting that I opened my Discover account in XXXX and thats inaccurate. I opened the account in XXXX of XXXX.
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

I applied for unemployment in may. I received my reliacard around XX/XX/2020, tried to activate it and the website told me to contact the number on the back of my card. When I called US Bank they told me my account was marked as inactive, and that I should contact my state agency for more information. So I did, I called the Treasury department in Pennsylvania, and they just told me that they put my name and my account number on a list and sent it back to the bank so they could verify my identity and unlock my card. So I call the bank again, only for them to send me back to treasury, and its been back and forth since. I havent been told the reason why my card was marked inactive. I faxed the info the bank asked for ( ID, SSN, Account Number ) and did the website verification. Still to this date ( XX/XX/2020 ) I havent been able to receive my money.
Consumer complaint received 2020-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I used my card on to purchase hair from XXXX for XXXX with capital one upon receiving the merchandise I realized that the merchandise was not correct. I reached out to the sales rep letting her know my issue Mrs. XXXX on XX/XX/XXXX and she advised i send it back via usps but, covid had just begun and there wasn't a way to return for cheap. On XX/XX/XXXX Mrs. XXXX reached out to me and asked if i would place another order i told her no because, i still had to return the original merchandise. So she assured me and these are her exact words. " He said you can get closure only if you purchase more hair of lengths in between XXXX and minimum 30 bundles this is his deal and we talked about this. On XX/XX/XXXX she also stated and i quote That they will refund me once received their hair. I reached out XX/XX/XXXX to the representative and she keeps saying i need to reach out to the owner as well. I have contacted capital one multiple times in regards to returning this merchandise they instructed me to and they have yet to do anything I have paid interest on my credit card and been heavily inconvenienced because of this whole ordeal
Consumer complaint received 2019-12-09
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

In XX/XX/2019 we turned in a leased vehicle and started a new lease with GM.  They have incorrectly reported that I was 30 Days late on my credit report since XX/XX/XXXX. On XX/XX/XXXX they sent me a letter saying it was resolved. It is not resolved and when I try to reach GM Financial again it will not even let me file a complaint.