davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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. (FL)

This is a fraudulent account - XXXX XXXX XXXX - opened on XXXX due to identity theft. This is the second time i have had to file this complaint as no response was recieved from the first complaint months ago. The other bureaus have already removed the account from my credit report yet you have not. The following inquiries are also fraudulent inquiries that I did not approve or initiate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX  : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.
Consumer complaint received 2015-07-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (NY)

I am submitting a XXXX complaint on Alliance One Receivables because they has already been a complete disaster. They are continuing to report XXXX collections on my credit report that do not belong to me. I put in a complaint and got a response from XXXX XXXX with what is suppose to be a debt validation letter with Pictures of tags of vehicles that do not belong to me no am i the owner of the vehicles. In the letter XXXX XXXX responded stating they were going to remove the accounts from my credit file. I contacted today XXXX XXXX who gave me XXXX different AUD Control numbersXXXXI spoke to XXXX and gave the control numbers to them in which they sent it to their quality department and they researched the AUD numbers and was advised that Alliance one put the wrong SUB Code with the AUD on XXXX system. This is a complete back and forth that is going on and they are not trying to help me get this deleted from my file even after XXXX XXXX said they were going to get this removed.
Consumer complaint received 2016-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (CA)

I do not owe this debt. Account was closed and paid in full. Allied collection said they would notify XXXX and update their notes. They call me several times a day and disregard what they say they are going to do.
Consumer complaint received 2016-10-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (IA)

We purchased tickets to a local concert using our PayPal account. Tickets cost {$75.00}. It was assumed that PayPal would then charge our Credit Card on file. Apparently the card on file was old and had expired. After 60-90 days from the date of the purchase, we received a statement in the mail for the {$75.00} and {$70.00} additional dollars in late fees ( {$35.00} per month ). We called into PayPal and happily resolved the original {$75.00} fees but contested the additional {$70.00} in late fees because we never received a statement from PayPal to know there was an issue. Since then PayPal has continued to charge Late Fees, its now up to {$180.00} and change after we paid the original {$75.00}. We would have quickly resolved the matter if we had been notified with a timely statement. These fees are excessive by any standard.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

We purchased a ring from Helzberg Diamonds for my wife on XXXX XXXX, 2016 and opened a credit card account that night with Capital One to save 10 % on the purchase. Helzberg did not give us a 10 % discount but rather a 5 % and 5 %. After the sale we turned around and wrote a check to have a zero balance on the credit card. It was a beautiful ring but unfortunately we took it back because the stone was not changing colors ( XXXX ). I received my money back immediately that was paid from a debit card. I called Capital One when I received the credit card in the mail and canceled the account. I received a letter in the mail dated XXXX XXXX, 2016 stating that the credit card account was closed. I was also told that I should receive the money back we paid from using the credit card within 10 days. I have called several times because the check was not in the mail and I was told each time it was. I also received a billing statement from Capital One that was dated XXXX XXXX, 2016 which shows a credit on the account. Finally on XXXX XXXX, 2016 I spoke with a manager and Capital One who informed me that my check would be overnighted and would arrive on XXXX XXXX, 2016 due to XXXX. I told her that would be fine. I check the mail today and still no check from Capital One. I called and spoke with a different manager today and she told me that the check was not even in the mail. It has been 27 days since the ring was returned and I still do not know when I will receive my money back from Capital One. My wife and I will never make a purchase at Helzberg Diamonds again. We will also never use a credit card that has anything to do with Capital One.
Consumer complaint received 2021-01-17
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 (NC)

I am a Capital One Credit card customer since XXXX, I think. My name is XXXX XXXX. I am lodging a formal complaint to their disputes division in Utah as well as seeking federal relief from XXXX  XXXX. I disputed two charges on my Credit card. In XXXX of XXXX, I disputed a charge of XXXX dollars re a rental car. I never got any immediate update so I paid balance off in less than a months billing cycle. In XXXX or so, out of the blue, I get statement showing my balance as minus XXXX dollars. I call and find that the car rental company refunded the disputed amount. Capital One sent me a check for {$750.00}. That was all good. Suddenly now 7 months later, XXXX XXXX XXXX XXXX the XXXX dollars has been rebilled to my account out of nowhere. I call for explanation and the rep stutters about this or that and puts me on hold for over 10 - 20 minutes or longer. I hang up call back. This time I insist to the ( different ) rep that I want to dispute being rebilled. She seems stumped cause she is taken off her script I suppose. I repeated myself three times, but gave up exasperated. This is like a scam
Consumer complaint received 2021-01-17
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)

XXXX, XXXX, EQUIFAX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I had a store credit card from Synchrony Bank for XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, NY. The account number for this XXXX XXXX XXXX XXXX XXXX was : XXXX XXXX XXXX XXXX. 

This credit account has an excellent credit and payment history. I have never been late. I have always paid all my promotional purchases within the timeframe of the promotion. 

I have several other credit accounts from Synchrony Bank. None of these accounts are general-purpose credit cards. All of them are store cards. All my accounts have always been in excellent standing. I have never been late, and I always paid my promotional purchases within the timeframe of the promotion. 

Most of the time, my account with Synchrony Bank carry a balance of XXXX XXXX XXXX XXXX. 

Sometime during the week of XX/XX/2020, Synchrony Bank decided to close the XXXX XXXX XXXX credit account. I learned of this fact by doing my weekly online check of my credit accounts at the Synchrony Bank website. 

I contacted Synchrony Bank. No information was provided to me as to why this account was closed. The representative tried to offer several contradictory pieces of information : ( a ) the account has been inactive for too long ; ( b ) the account is not closed ; ( c ) Synchrony Bank is sorry for the inconvenience. 

There is no requirement for this account to incur periodic charges in order to maintain its active status. When I asked SynchronyBank to provide me with a reference to this requirement, they were unable to do so. 

What Synchrony Bank did not address is the materially adverse effect the closing of this account has had on my credit score. The closing of this account has caused my credit scores to drop by 20 points with the three major credit bureaus. This, in turn, will have an adverse effect on my general credit. 

Synchrony Bank 's action is also a blatant misrepresentation of my creditworthiness : the account was unilaterally closed by Synchrony Bank for no reason.
Consumer complaint received 2021-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Debt was paid my fianc had passed inXX/XX/XXXX XXXX and my bills sat because of my XXXX & XXXX. I made a call set up payments & paid on time as agreed. I was advised that once paid it will be removed from my credit report from all 3 bureaus
Consumer complaint received 2021-01-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I contacted Loan Care about removing PMI from my mortgage. I started my FHA loan when the terms stated that PMI would be removed when loan to value ratio is 78 %. I contacted Loan Care several times and they stated that the value is based of my home 's appraised value of {$190000.00}. I reached the 78 % milestone in XXXX. Since then they have removed PMI payments from my account three times. After I contacted them about removing PMI from my account, they removed a PMI payment from my escrow account to make my payment look like they removed the PMI. If I hadn't checked the payment history, they could have continued removing PMI from my escrow account without me knowing it. They never responded to my message.
Consumer complaint received 2021-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Debt was paid my fianc had passed inXX/XX/2017 and my bills sat because of my XXXX & grief. I made a call set up payments & paid on time as agreed. I was advised that once paid it will be removed from my credit report from all 3 bureaus
Consumer complaint received 2020-12-20
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. (IL)

On XX/XX/2020 I sent out a letter to XXXX XXXX, XXXX  and Experian, notifying them that after checking my credit report there were several inaccuracies being reported of late payments. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days I sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.
Consumer complaint received 2016-01-19
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/XXXX Capital One charged of a debt of {$420000.00}. On XX/XX/XXXX I receive a letter from XXXX XXXX the debt is now owed to then for the amount of {$4200.00}. On XX/XX/XXXX I receive a letter in the amount of {$4300.00} that is owed to them. On XX/XX/XXXX I receive a letter from XXXX XXXX now I owe them {$4300.00}. A Greater balance of {$87.00}. On XX/XX/XXXX I receive a Summons and Complaint from XXXX thru XXXX County Court in the amount of {$4400.00}. XX/XX/XXXX I receive an Order To Appear before Commissioner, balance now is {$4700.00}. Now the balance is greater by {$460.00}. The next time I hear from XXXX in the form of a Garnishment Notice dated XX/XX/XXXX in the amount of {$7200.00}. Next is the Garnishment Notice to collect money on rent in which I was not even collecting for the amount of {$6700.00}. Another Garnishment Notice in the amount of {$6100.00}. Then another Garnishment Notice on XX/XX/XXXX in the amount of $ XXXX.Several letters and correspondence I receive regarding this debt have amounts that do not match. Leading me to believe they have significantly inflated this debt as to they see fit. On XX/XX/XXXX I file a complaint with your agency. A response letter fro XXXX states that as of XX/XX/XXXX the date of their letter the amount is $ XXXX.The Garnishment in XX/XX/XXXX states XXXX. A letter Capital One responds to you, dated XXXX that XXXX XXXX XXXX charging interest on this debt as of XX/XX/XXXX. You will clearly notice the interest is higher on each garnish notice to date. An e-mail between my Payroll and Benefits states as of XX/XX/XXXX XXXX tells them the amount is {$6100.00}. I have now paid {$3000.00}. Then on XX/XX/XXXX XXXX states the amount is {$5000.00}. To this date I have had garnished the amount of {$4600.00}. Then on XXXX/XXXX/XXXX I receive a phone call from a male regarding this debt. I am not able to discuss this matte since I am in the woods and do not have access to any paperwork. The male then becomes threating as to say it would be in your best interest to discuss and pay this debt. I have a lawyer who they need to go thru for any other contact then court documents, this law was broken. And also the threat. I believe they carried out the threat by serving me another Order To Appear to the Commissioner. This meeting was schedule in the furthest point of XXXX County WI. Making me drive the farthest as possible to inconvenience me. During the meeting they were by phone. They asked me questions they already knew and not once asked for the taxes, paystubs, or bank statements they requested. This was just to inconvenience me and charge me another {$100.00} for court proceedings. My wife was present who was not part of this debt they say I owe. They then harass her asking her questions about her job and wages threatening to come after her. They clearly can not do this.
Consumer complaint received 2021-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CO)

On XX/XX/XXXX, I received a notice of possible attorney review from Midland Credit Management ( Midland ) where they stated, " We are proceeding with an evaluation of your account and are considering forwarding this account to an attorney in your state for possible litigation. '' I had already asked Midland to provide evidence that I owed the debt because I am a victim of identity theft. Midland sent over a copy of billing statements, and nothing baring my signature. 

I submitted Midlands documents to my attorney who is working my identity theft case and he started working on the case. He advised Midland to not reach to me any more and to send all correspondences to his office. He also asked Midland to confirm that they have ceased collection actions against me and to also confirm that they have not put any negative marks on my credit profile. 

Midland sent a billing statement to my attorney also. After the second letter to Midland on XX/XX/XXXX we never heard anything back from Midland. On XX/XX/XXXX I noticed that Midland added their collection to my credit report as being past due.
Consumer complaint received 2021-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (PA)

I had open up a XXXX XXXX account in XXXX of XXXX and was approved for the account. I also applied for a XXXX XXXX account in XXXX of XXXX and was approved for that card also. And on XX/XX/XXXX I applied for a XXXX Reward Visa card and was approved for that also. All of these cards comes from Comenity Bank. During the month between opening up XXXX XXXX and made a purchase for a men 's ring and never used the XXXX card and used the XXXX Rewards card, I want to the XXXX XXXX Jewelers to exchange my ring to found out that my account was closed the day before. I still returned the ring to XXXX XXXX. But it still showed up on my credit report as a debt. After calling about what happened it comes to find out the all my accounts with Comenity Bank was closed as they said something came up on my credit report. This was a total embarrassing to me and my family while in the store exchanging my ring and was told to give the ring back or it would look like I stole the merchandise from XXXX XXXX XXXX.
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MONEY SOURCE, INC., THE (NJ)

In XX/XX/XXXX I bought a house. I do not speak English ( someone is helping me right now ). The house needed work but I was told by seller and the person working with the seller that it will be finished. However I was guaranteed that the certificate of occupancy was fine and they will finish while I lived there. The seller bought the house in XX/XX/XXXX for {$48000.00}, and sold it to me one year later for {$300000.00}. There was no realtor, and no attorney. The person working with the seller was XXXX XXXX. He plead guilty of a XXXX mortgage fraud in XX/XX/XXXX. He filled all my mortgage documents, he also applied for my loan. I have a video recording of me speaking with him, as well as an online chat in XXXX regarding my mortgage. He guide me through the whole process and I thought he was helping me. At the end it was a scam and the house was unlivable. The appraisal was never done. I have requested a copy and the lender can not find it. I am sure that the seller and XXXX XXXX made it all up with help with the lender. It took me 3 months to fix the house and get permits to be allowed to live there by the city. I had to take loans for {$15000.00} to pay as well as paying my rent. I was unable to pay my mortgage. Now I am in foreclosure. I can pay my mortgage, but the lender will not let me apply for a modification. I was taken advantage off. I want to stay in the house. I can pay my loan. All I need a fair chance for a modification.
Consumer complaint received 2016-07-22
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (TX)

Last XXXX XXXX I applied for a credit line to cover some XXXX at my XXXX office ( in one of their computers! ) I got approved with 'CareCredit ' from Synchrony Bank . 
I used the line of credit on the same day that I was approved, they offer me a promotional with 'no interest for 12 months ' the transaction was made on XXXX/XXXX/XXXX, but the due date on the card was/is for the XXXX of each month. 

I did not made any connection to it, until the month when I sent my last payment - which it should have been XXXX/XXXX/XXXX ( as it was stated on the 12 month promo ) but to my surprise and disbelief the promo expiration date turned out to be set for XXXX/XXXX/XXXX!! - Not the transaction date and not my due date ... now 'Synchrony Bank ' has charged me accrued interest from the transaction date to " their made up due date '' at a whopping 26.99 % interest rate ; they now want a total of {$540.00} more dollars from me. 

Had I known that they do in this a consistent basis just to trap people into paying whatever interest rate they decide, I would have use any of my low interest cards. 

Angry and sad in TX.
Consumer complaint received 2020-12-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

I received mail saying I had an past due bill for an XX/XX/XXXX account but everytime I attempted to call IC SYSTEMS, inc ( the debt collection agency ) to dispute they never answered the phone. To dispute via their website, I would need to have a bureau investigation number, but the fact that this is NOT my account I dont know what it is. I decided to wait for it to hit my XX/XX/XXXX app then dispute it. Ive been disputing for over 3 months and nothing at all. Ive dispute even through my chase app and I believe IC systems is trashing ever dispute entered without reading it. Someone opened some type of cable bill/phone bill and stopped paying it in XXXX of this month. This account was never on my credit UNTIL the XXXX month meaning someone slapped my name and address on it and they accepted without rulos le checking. I want proof that I opened this account with signatures and dates. Its said how some debt collector workers get paid commission over something that literally can effect someones livelihood without double checking.
Consumer complaint received 2023-04-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (IL)

Hello, Last year I visited an XXXX XXXX XXXX to receive treatment for food poisoning. They collected samples, ran tests on XX/XX/XXXX, gave me the results, and I paid my bill with them directly. The name was XXXX XXXX in XXXX XXXX, XXXX. I received my results over email and no longer had any communication from them. 

Fast forwarding to now, XXXX of XXXX I just got a call from a Debt Collection Service ( Harris & Harris ) that I have an outstanding debt from XXXX XXXX XXXX for Lab testing? I never visited or received treatment at any XXXX facility at all last year, so I had no reason to believe any billing statements from them were legitimate. The billing statements were sent to an incorrect address so I never had a chance to address the issue. There was no attempt made to contact me through mail at my correct address or through email. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2016-08-16
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Conn's, Inc. (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.