davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Wise Recovery Solution LLC (NY)

XXXX XXXX IS REPORTING A SCORE FOR XXXX AND XXXX IS REPORTING XXXX SCORES XXXX AND CREDIT WISE IS RRPORTING XXXX. BOTH OF THESE ACCOUNTS HAVE THE SAME CREDIT ACCOUNTS. THEY ARE NOT CONSISTENT. IT APPEARS THAT THESE ACCOUNTS SCORES ARE FRAUDULENT AND THE BLANTENT DISPARITIES
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. ()

My late husband and I have had an account at a bank since around 1970 which has served us well until we moved to XXXX many years ago and with retirement the account receives direct deposit of pensions. Unfortunately my husband used a familiar name instead of my birth name, XXXX XXXX XXXX XXXX. With new rules for identification from this bank I am unable to access my account despite several mailings from me of my details and W-Ben forms XXXX but without a birth certificate in the account name it has now been blocked from me. Luckily, the Social Security Administration has accepted my array of identification documents and is issuing my direct deposit in the correct name. I have asked the XXXX to make direct deposits to my account in XXXX to avoid the XXXX bank, same with XXXX but now that I can't even access the account overview I don't know if those diversions have been enacted. The ATM card I have with that bank no longer works either. At this point I'd prefer to have the account closed and the remaining monies transferred to me here but that action is no longer available to me either. Actually I don't understand why that bank accepts transfers in either name since both should now be XXXX instead of XXXX... but who can tell why...
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (GA)

This debt collector is attempting to collect a debt I don't owe, the insurance company progressive who had insurance with I canceled policy, and want to say I owe them which I don't. Please send me authenticated validation of alledge debt. This is Defamation of character according to 28 usc 4101 ( 1 ) 15 usc 94 6801 CEASE AND DESIST from contacting me in all forms.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (GA)

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] XXXX XXXX XXXX XXXX [ XXXX XXXX Address ] [ City, State, ZIP Code ] Subject : Notice of Potential Identity Theft Dear XXXX XXXXXXXX XXXX, I am writing to inform you that I believe I am a victim of identity theft. I recently discovered that an account in my name has been placed with your agency for collection. I did not open this account, nor did I authorize anyone to do so on my behalf. 

I have already reported this incident to the Federal Trade Commission ( FTC ) and have filled out the necessary forms on IdentityTheft.gov. Enclosed with this letter, you will find a copy of my Identity Theft Report, which includes the FTC Identity Theft Affidavit. 

In light of this situation, I request that you : Cease all collection activities related to this account. 
Remove any negative information associated with this account from my credit report. 
Provide me with any information you have regarding this account, including the original creditor, account number, and any transactions made. 
Please confirm in writing that you have received this letter and that you will take the necessary actions to resolve this matter. If you need any additional information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ]
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

For the last 6 months continually, they do no follow any ruled set by the fcra, these corporate offices need to be reported to XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Freedom Mortgage is running a scam. They send a letter stating that they checked with your insurance company if you have hazard insurance and that if they dont hear from you, will start billing you. I have had the same homeowners insurance for 5 years on auto renew, and checked with my insurance company and they have no record of Freedom Mortgage contacting them. I provided Freedom Mortgage with my policy declaration, they dont answer their phones. They are hoping people dont notice the letter and then start billing them escrow for insurance they already have at exorbitant prices. This company should not be allowed to operate.
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmerAssist A/R Solutions, Inc. (FL)

On XX/XX/XXXX, I first contacted company by email and XXXX responded trying to fix problem. I haven't heard from anyone and so I sent another email on XX/XX/XXXX asking for a full refund because i haven't heard from anyone and no results were done. I sent another email on XX/XX/XXXX asking could someone respond to my email which is where i received a response but by another XXXX named XXXX. She was trying to find a resolution which i then explained again what was going on and that i wanted a full refund. I didn't hear from anyone and sent another email on XX/XX/XXXX saying that i haven't heard from anyone still. I then received an email on XX/XX/XXXX general release-ceasing treatment and was filed with the amount of {$480.00}. Then i started receiving emails from another company called AmeriAssist A/R Solutions which aren't allowed to collect in the state of florida.
Consumer complaint received 2022-12-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

To begin, Consumer is a 100 % XXXXXXXX XXXX veteran. However, on or about XXXX and XX/XX/2022, Consumer sought to obtain a copy of the vehicle loan agreement, in which a security interest attached to Consumer 's vehicle loan, from Capital One Auto Finance and XXXX XXXX XXXX XXXX of XXXX, Michigan. XXXX XXXX ignored and denied XXXX a copy of the finance agreement, til date. On XX/XX/2022, Capital One Auto Finance mailed Consumer a copy of the original " Retail Installment Sale Simple Finance Contract '' that lists XXXX XXXX XXXX XXXX as XXXX 's " Creditor, '' not Capital One Auto Finance. See attached. Thereafter, on or about XX/XX/XXXX, per Consumer 's recorded Capital One phone calls at XXXX and XXXX, Consumer called Capital One to request a copy of the application or vehicle loan agreement/contract showing that Capital One is the `` Creditor, '' with the intent to seek auto refinancing. Capital One then admitted to Consumer that Capital One does not have a contract with Consumer regarding an vehicle loan or a application/contract/agreement ( listing Capital as the " Creditor '' ), but that Capital has a security interest/lien on Consumer 's vehicle and that Capital One is the Original Creditor and that Capital One Auto Finance will not provide Consumer with a copy of the alleged Lien Agreement. Consumer thereafter discovered that the amount of the finance charge ( being sum of all charges ), which includes a security interest, 15 USC 1605 ( a ), that consumer is entitled to rescind the security interest in the property, pursuant to the Truth In Lending Act 15 USC 1602 ( g ), ( i ) ,1605, 1635 ( a ), ( b ), ( f ), ( g ), ( 1637 ( a ), 1640 ( a ), 1644 ( a ), 1692 ( j ), based upon fraud. Consumer believes that fraud is/has been committed against Consumer, and the alleged total finance charge was not required, a downpayment either. Here, in this case Total Finance Amount was XXXX minus Consumer 's {$3000.00} downpayment to total {$45000.00}, not the alleged {$71000.00} minus {$3000.00}, to total {$68000.00} per XXXX XXXX XXXX XXXX, Finance Contract. See Total Sale Price. Additionally, Consumer 's Credit Report lists Capital One as the Creditor but not XXXX XXXX XXXX XXXX See attached. The actions taken by Capital One Auto Finance and XXXX XXXX XXXX XXXX XXXX, consumer credit transaction is blatant Fraud and has caused Consumer severe financial and credit injuries, through.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Hello, I am an actual proud customer of SchoolsFirst Federal Credit Union and even have a car loan with them that I purchased XXXX week of XXXX of this XXXX. I disputed several times as I was contacted by the bank and saw that I had a personal loan in the amount of $ XXXX on my account that I did not authorize to open. For months, I have been in contact with XXXX and tried stating the truth to them that my boyfriend and now ex opened the account with no income and put my information down to obtain the loan. He has also let me know he does not plan on paying back the loan as I tried to ask him to pay on it so it does not affect my credit. I have disputed this with all 3 of my credit bureaus in XXXX and XX/XX/2022 and even submitted a payment to the bank on XX/XX/XXXX when I was surprisingly contacted by them for late payment. I have also presented to both the bank and all 3 credit bureaus fraud and attempts by my ex to include a restraining order I have had on him since XXXX of this year to stop all communication. XXXX has instructed me to dispute with the credit bureaus as well as file fraud charges. Currently, there is also an open criminal case of domestic violence against him as well as he continues to harass me. I have also re-submitted the disputes stating litigation and fraud for this loan. I have had thousands of dollars stolen from me by this man and this loan is still active. He is now stalking, harassing and even threatening me to pay him {$8000.00}. I have never had an issue with my bank and have always maintained a great relationship with them. I have also had several accounts that were opened illegally by XXXX XXXX to include a pet wellness account that I had ( after several months ) finally get canceled once I shown the restraining order and attempted accounts opened in my name for him to receive loan money. He should have never received funding from the bank with no income and most importantly using mines. Attempts to speak to him verbally to pay or I stated legal action would be taken there was no response but violence.
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (FL)

I found a fraudulently opened XXXX XXXX XXXXXXXX credit card when checking my free credit report on EXPERIAN. I filed a dispute and froze my credit report. 
I also contacted XXXX and was assured the account would be closed. I followed this up in writing Today I received an dispute result from EXPERIAN stating the information was confirmed and no item was changed on my report.
Consumer complaint received 2022-12-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, TX. I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with capital one and they had also denied me. I asked them had they run my credit through Capital One? They replied no. The next day I began receiving alerts from my XXXX and XXXX credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance manager, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance manager ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get XXXX or XXXX to remove the inquiries. 
XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2022 ) XXXX Unauthorized Inquiries : XXXX XXXX, XXXX XXXX ( XX/XX/2022 )
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

I was living in revival on XXXX I lived there for a year and a half. They gave me a XXXX day notice and said has long has I move out before the end of XX/XX/2018, I would only owe XXXX keep in mind they gave me a XXXX day notice XX/XX/XXXX. So I was gone on the XXXX. They have put outrageous charges.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: First Technology Federal Credit Union (VA)

First Tech Federal Credit Union is engaging in predatory lending practices through deceptive marketing. On XX/XX/XXXX, I was sent an email ( attached ) offering a 0 % XXXX for balance transfers for 12 months and a second promotion offering XXXX bonus rewards points if I made {$3000.00} in purchases on the card in the first XXXX months. 

I called their support number to ensure by making purchases for the second promotion any payments I made would go first to purchases to avoid accruing interest before the 0 % balance. The representative assured me this was the case. 

I transferred {$15000.00} on XX/XX/XXXX and began making purchases. Despite paying thousands of dollars above the minimum payment each month, I have now been charged interest on purchases on my XXXX, XXXX, and XXXX statements. 

After repeated phone calls and emails, the XXXX XXXX XXXX XXXX shared the account opening disclosure, which includes a " How to Avoid Paying Interest on Purchases. section '' It reads : " To avoid interest on purchases after you transfer a balance, you must pay your entire balance, including any balances you transfer under in the introductory XXXX, purchases or cash advances, in full by the end of your current cycle. '' In effect, they are marketing two conflicting promotions. The first ensnares the borrower to transfer a large balance at 0 % interest and the second entices the borrower to make purchases which allows the entire balance to be subject to a much higher XXXX. 

I believe this practice, combined with the marketing emails, are predatory. I have made a complaint ( # XXXX ) with First Tech Federal Credit Union and they have agreed to reverse my interest charges and revisit their policies. 

I believe this joint promotion should immediately be discontinued. 

XXXX XXXX
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a loan with XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX  XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX  XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (SC)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error. My request to block is not being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX in XXXX of XXXX after first being made aware of a fraudulent contract under my name with the company. 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. The dealership informed us that we would not be held liable in any way. A month later my car insurance canceled my policy for not having full coverage insurance on this vehicle. This matter has caused my family so much distress, from having to deal with the police to calling and visiting the dealership for months. I have never owned a vehicle or any property connected to this company! I was told that the company contacted the dealership and entered a lawsuit with them because I did not purchase a vehicle nor did I knowingly enter into any contract with XXXX. None of my proper information was ever verified by XXXX, the company was unsure how I even had a file with them. After contacting XXXX I stopped receiving bills but was unaware that this account was still on my consumer report. I do not or have not owned any material connected to this company in any way. I do not certify the validity of this debt, I have not provided written instruction or otherwise for this debt to be reported to my consumer file. This account appears on my profile as the result of fraud and identity theft.
Consumer complaint received 2022-12-05
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: JPMORGAN CHASE & CO. (AR)

After reviewing my credit reports I noticed several accounts that does not belong to me. I had my Identity stolen and had a police report submitted. All XXXX XXXX accounts, JPMCB Card, and XXXX XXXX account balance {$570.00} does not belong to me.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth THIRD Bank is soliciting customers to use balance transfers with a XXXX percent interest rate, Along with the balance transfer is payment of a transfer fee which represents prepaid interest, Fifth Third is then charging cardholders interest on top of the balance transfer fee without conspicuous disclosure.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (MI)

Received an unsolicited debit card from Netspend in the mail on XX/XX/2022. I have no dealings with this company. If the mail were intercepted it could have been activated by someone else without my knowledge.
Consumer complaint received 2022-11-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc. (KS)

I have contacted this agency multiple times. I have sent letters and I have called. I asked them to send me an Invoice and they have yet to send me an invoice. It has been more than 30 days since I have first attempted to learn about the debt. I never received a letter or even a call about this debt. I found out through my XXXX account that I had this collection. The company is Central States Recovery in XXXX Kansas. When I called them the lady did not have any idea what the debt was for and told me she had to get a hold of the location and ask for an invoice and said it would take more time, even after I sent letters and called multiple times. I do not think I should be waiting this long to hear back or to even get an invoice.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (OH)

I went to XXXX XXXX to get a phone a few months ago and they told me that i have an account with them that is in collections. I have never opened an account with XXXX so i checked my credit report and found out that i was a victim of identity theft and also saw 2 more fraudulent accounts with capital on on my profile. I have been in contact with both companies and they told me that i need to do a FTC Identity theft report in order for the accounts to be removed. I also have been trying to reach out to Experian, XXXX and XXXX and they haven't done anything yet. Please remove these accounts as soon as possible.