davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$6300.00} -This is not my account.
Consumer complaint received 2021-01-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (VA)

After several attempts of debt validation dating back XX/XX/XXXX and most recently XX/XX/XXXX. This company refuses to send the documentation as I requested. They continue to send me letters to settle the debt instead of validating NOT verifying the debt as requested. They even verified with the credit bureau but will not explain to me or send to me the documents sent to them to validate the debt. They completely ignore my requests
Consumer complaint received 2020-05-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recov Collection Agency has violated the code of ethics and they're also in violation of the FCRA. XX/XX/XXXX This agency appeared back on my credit reports after some time. The tactics they have been using should be illegal. They have been manipulating 2 different acct numbers to act as 4 different accounts with different dates and balances. They use acct # XXXX, acct # XXXX acct # XXXX and acct # XXXX. For the past 3 mths claim information has been fluctuating. Every time i dispute their claim a piece of information would change for their benefit. I contacted them via their website and they had 1 collection in my name it was the # XXXX acct and that acct didn't even mirror what was on my reports. They used 4 acct numbers to appear as 2 accts and wasn't even accurate with with important details on all reports. One time using the exact same acct #, the exact same date and exact same balance on my XXXX report and at times they used 2 different addresses at the same time. On XX/XX/XXXX. I told them they were violating the code of contact and violating the FCRA. They retaliated by making a ton of accounts using the same account number, making up claims, using the original collector 's ( XXXX XXXX ) name and logo and maliciously flagged my account with a public comment. All of those accounts they made up stayed on my credit for weeks until the investigation was over. I was denied credit because of them. I was approved for a XXXX XXXX card then a week later denied because of them. That collections agency hasn't contacted me one time since they claim they had debts owed by me but as soon as i said i was going to report them they stopped making false claims and they sent letters with REAL and FULL account numbers. As of right now they stil have different collections start dates than they originally had. I read XXXX XXXX 3rd party agreement and they are not following their wishes. They were supposed to contact me and help me settle my account, my account was to be charged off and to stau closed, they opened the accts back up without my knowledge and they wasn't suppose to use XXXX XXXX name to collect a debt. They knowingly made up fake accts just to hurt my credit. I had to purchase credit protection from XXXX to stop them.After what they've been doing to me, violating the code of ethics and me getting denied credit when i shouldn't have, I don't feel like i owe them anything.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2020-11-02
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. (NC)

I have disputed this account and have received 4 different payment histories for investigations on XX/XX/XXXX I received a different payment history that says I made payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and not XX/XX/XXXX. Previously I had a different payment history that stated I made payment on XX/XX/XXXX and I did not make payments on XX/XX/XXXX or XX/XX/XXXX. The information furnisher for the investigation on XX/XX/XXXX was a completely different stating payment was received on XX/XX/XXXX states payment history of payment made on XX/XX/XXXX but not XX/XX/XXXX. I have had a total of 4 different payment histories from this furnisher and fail to believe the account is accurate and complete. The also say individual and joint.
Consumer complaint received 2020-11-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (TX)

I have contacted XXXX XXXX XXXX  several times regarding inaccurate account information. I have a balance of XXXX reporting on my credit report from a company by the name of Sequium Asset solution, a company that my information was sold too. I canceled my service with XXXX XXXX XXXX XX/XX/2019 due to the service not working properly. On two occasions a technician came out to repair the problem but was unsuccessful at doing so. Im being charge for a month that I was without service. I also returned my equipment via XXXX and that charge is still reflecting on my on my account as not returned. After canceling my service in XXXX, XXXX XXXX XXXX tried collect a payment from my bank account XX/XX/XXXX which was not authorized. I would like further investigation on my account and for the amount owed to be adjusted and waved due to the service not working properly and inconvenience.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION (CA)

I requested a balance transfer onto my new card, when I opened the account on XX/XX/XXXX. To this date of XX/XX/XXXX, XXXX XXXX has failed to pay off my other card, but has charged my new platinum Visa card, on XX/XX/XXXX, in the amount of XXXX for this balance transfer. The inquiries I make vary wildly and all information I'm given is conflicting and inconsistent from Navy Federal. They charged me for the balance transfer, but never paid off my XXXX XXXX XXXX balance. I spoke with my branch manager who also failed to fix the the issue. They have charged the balance transfer to my account but never paid off XXXX nor can they give me clear information about what is happening or when it will be paid off. I asked them to follow up and they refused via the call center supervisor on XX/XX/2020. They wanted to do a stop payment today, and reissue the check, aka start from square one. 

I called in again and was transferred to the " Resolutions '' department. They keep repeating what " should be, '' etc. People continue lying to me about the scenario and using inconsistent and completely differing timelines, 3-5 business days, 10 business days, 14 business days, etc. I was also lied to initially and told by " XXXX '' before transferring me to the " resolutions department '' handled NCUA complaints, then quickly found out they do not. The Resolutions agent refused to tell me other than " Upper management, '' who could help me with a NCUA/CFPB complaint. She lied and told me " they '' were unavailable and refused to let me know which department I would need to speak with. A stop payment would cause me a fee if/when XXXX ever receives the check, and I am sure Navy Federal would not hold themselves accountable for putting a stop payment and sending a bad check to XXXX on my behalf.
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX I used a PayPal feature called 'Pay in 4 ' to purchase boots from an online merchant. This Pay in 4 feature is similar to other online installment loan providers such as XXXX, XXXX, and XXXX, where the the full amount of a purchase is paid by the provider, upfront to the merchant, and the customer pays the provider in four interest-free bi-weekly installments until the amount is paid off. In this instance, the merchant is referenced in PayPal correspondence as SICAP SRL. 

The total amount for the transaction was {$510.00}, which was agreed to be paid in 4 installments of {$120.00}, due every two weeks. I made the initial payment of {$120.00} at the time of purchase on XX/XX/XXXX and a subsequent payment, as agreed, on XX/XX/XXXX. I returned the boots to the merchant on XX/XX/XXXX and they issued a refund of {$510.00} to PayPal on XX/XX/XXXX, which should have cancelled out any future payments on this transaction and allocated a refund of the funds already paid to PayPal. On XX/XX/XXXX, PayPal refunded the two payments totaling {$250.00} to my PayPal balance, as opposed to the credit card originally used to deduct the funds, but locked my account access to my PayPal balance so that I am unable to get my money back unless I upload a copy of my Government ID. As a side note, this lock was apparently placed on my account due to a suspicion of fraudulent activity, however PayPal has continued to deduct funds from my checking account, debit card and credit cards without concerns or mentions of fraud. This has been as recent as XX/XX/XXXX. Since the refund, Paypal has continued to bill the monthly installments to my credit card, as well as late fees, totaling {$270.00} despite receiving a full refund from the merchant several weeks ago. 

I contacted PayPal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding this issue with no resolve. It was supposed to be escalated to management on XX/XX/XXXX - this also has yielded no results. The Case ID for the escalation is XXXX. I have not received any help on the phone, instead I am bounced between representatives who are unable to answer my questions let alone assist and PayPal has made it so that I am unable to seek resolution using their online resolution/dispute feature on their website. 

Not only has this matter been handled poorly, PayPal is fraudulently deducting funds from my account as well as holding my refunds XXXX under false pretenses. I have filed a dispute with my credit card company and I am further examining PayPal 's actions towards my account to determine if additional complaints with the FTC and SEC are appropriate. I've enclosed documentation that illustrate the transaction history between PayPal and myself in reference to this particular transaction.
Consumer complaint received 2024-10-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Porsche Financial Services, Inc. (WI)

On XX/XX/year>, XXXX XXXX submitted a completed credit application to XXXX XXXX on my behalf. After accepting all the information necessary to determine creditworthiness, XXXX XXXX declined to transfer the free credit balance to finance my retail purchase from XXXX XXXX. I sent a letter to contest the denial of which XXXX XXXX has since failed to respond. I believe this denial violates 1002.6 of the Equal Credit Opportunity Act, which pertains to the rules concerning the evaluation of applications. 
According to 1002.6 ( a ), a creditor XXXX consider any information obtained in evaluating an application, provided that this information is not used to discriminate against an applicant on a prohibited basis. The legislative history of the Act emphasizes the importance of an effects test. This concept, established by the Supreme Court in landmark cases such as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, underscores the need for fair and unbiased credit evaluations. 
XXXX XXXX specifically states that my credit history was used in their decision to decline credit, as quoted : your request was carefully considered, and we regret that we are unable to approve your application at this time for the following reasons : delinquent past or present credit obligations with others, limited credit experience, excessive obligations in relation to income. We also obtain your XXXX XXXX from the consumer reporting agency and used it and making our credit decision. 
Part 1002.6 of the Act continues : ( b ) Specific rules concerning use of information.

( 1 ) Except as provided in the Act and this part, a creditor shall not take a prohibited basis into account in any system of evaluating the creditworthiness of applicants. 
XXXX ) Credit history. To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : ( i ) The credit history, when available, of accounts designated as accountsthat the applicant and the applicant 's spouse are permitted to use or for which both are contractually liable ; ( ii ) On the applicant 's request, any information the applicant XXXX present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness; and ( iii ) On the applicant 's request, the credit history, when available, of any account reported in the name of the applicant 's spouse or former spouse that the applicant can demonstrate accurately reflects the applicant 's creditworthiness. 
The law allows for XXXX XXXX to use my credit history to determine creditworthiness, but it prohibits discrimination. Therefore, denial of credit due to credit history is a prohibited by law and a violation of my rights to equal credit. 

I believe that XXXX XXXX unjustly denied my credit application.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian leaked my SSN in XXXX so I put a freeze on all of my credit accounts. I need to temporarily unfreeze my credit with Experian in order to transfer my cellphone service to XXXX ( who uses Experian exclusively. ) Despite repeated attempts and assurances from Experian that my freeze has been temporarily lifted, they continue to tell XXXX my freeze is still in place. We are at an impass. Experian implies that they are having " system problems '', but those problems have been going on for 5 days ( since Friday XX/XX/XXXX ) and show no signs of getting better. I am dead in the water until they fix things. XXXX won't proceed without a credit report from Experian, and Expeian won't issue one. Experian customer service is horrible, with overseas agents who are nearly impossible to understand, and long telephone wait times. I have so far spent 5 to 6 hours on the phone trying to resolve this matter unsuccessfully. If I could, I'd never use them again, but I have no choice in the matter. That is the problem with credit reporting companies : Consumers are nearly powerless to affect their sloppy business practices. Any help is appreciated.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I recently obtained my credit report and I saw that I had numerous accounts that where not mines and or opened fraudulent I contacted the credit bureaus and informed them that I did not open these accounts and was informed that my information was exposed in a data breach I then filed a report with the ftc.
Consumer complaint received 2020-01-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company, " Portfolio Recovery Associates '', has been reaching out to me for some time now. I am not aware of what actions they have taken, though upon speaking with them, it has become apparent that they are not in my best interest. 

This morning at XXXX, a disgruntled representative called me and was adamant about reciting the companies disclaimer. Her and her manager explained that the debt was past the statute of limitations for collections, though the " debt, never really goes away ''. 

A different representative reached out to me several weeks ago and stated that the settlement amount was as low as {$800.00} and that the record of my communicating with them was in the data base that they possess. I requested a copy of our contact history to no avail. 

I am not not sure if they are the same company that said, " we'll find a way to get our money '' in a threatening manner many years ago. Though I am not and have not been available to catch up to several of my account balances as the lines of credit had been opened with the intent to acquire {$5000.00} a month over the course of several years. My business operated at 2008 though never reached the goal of {$5000.00} in month. 

The collections agency, " Portfolio Recovery '', has busied my line of communication for a long while now. Contrary to what they claim, PR has negatively effected my credit score. Contrary to what they claim to have been a none-law suit acquisition of my XXXX  XXXX XXXX credit card and XXXX  XXXX credit card balance, the action of purchasing the account disables me from paying XXXX  XXXX XXXX and XXXX  XXXX. 

I am now aware that I should of requested smaller monthly payment amounts, I did not abandon the lines of credit, I conducted business with the credit lines via monthly payments for as long as a I could manage. 

I attempted to file a complaint this morning with the manager and was not permitted to do so.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

I have cash back rewards that are earned on a Barclays XXXX XXXX. Ive had this card for years but recently went to redeem the rewards/ cash back. I can see cash back rewards on my Barclay statement but there is nothing in the XXXX account. I called Barclay about a month ago and they said they couldnt help me with XXXX and that XXXX didnt have a phone number or chat. They directed me at that time to put in a request on the XXXX website. I followed there directions and was disheartened to find out that they take 30 days to reply. I never heard back, so I called Barclay again talked to a manager and they gave me a number to call. This was after they told me Barclay transfers a cash back amount each month to my XXXX account but they cant see anything or verify anything on the XXXX end. The number given doesnt go to a live person. It just gives you automated message that also directs you to the website where you can put in a request. I did that again but feel like XXXX just going in circles with absolutely no assistance from the company. Just this year XXXX earner {$430.00} dollars in cash back rewards. Ive checked my savings account that is linked to XXXX and there have been no deposits other than my pay check. Please help me resolve this. I feel like Ive been tricked and this feels fraudulent to me. There should be someone to talk to at XXXX but there isnt. Barclay gets to just say they dont have any way of helping you either. The buck just gets passed to a dead end.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Santander is currently under legal litigation. Santander is required to forgive the remaining balance on loans. Santander will also request that the loans be removed from consumers credit reports. According to the multi-state investigation website, Santander knew that some of their borrowers were at a high risk of default but turned a blind eye to these risks and exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. Santander needs to remove their collection from my XXXX  and XXXX  credit report.