davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (MI)

I received a notification on XXXX XXXX that a new line of credit had been opened in my name. I called the synchrony bank trying to figure out what happened but without getting any info. After several weeks of calling and asking the account to be reported for fraud, someone finally told me the account was made with XXXX XXXX  XXXX XXXX XXXX XXXX is a security company my friend bought a security system through. I agreed to co-sign for her, I have seen her bank statements and the company has confirmed she has not missed a payment. I am being charged with her full bill regardless. 

Neither XXXX XXXX XXXX  nor Synchrony bank has been able to show me any contract Ive signed, citing that I gave verbal consent. I do not remember agreeing to a loan, only co-signing for if my friend defaults. 

Ive tried to resolve this for weeks and now months with both companies, and have disputed that line of credit with Synchrony Bank twice now. Which has been denied both times
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-01
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law (VA)

The company first attracts customers by sending mailings to your homes under the company name of XXXX XXXX telling you that you have been pre-approved for a debt consolidation loan. I reached out to them in XX/XX/XXXX. 
When you reach out to them, you are told they do not offer loans, but help you by settling your debt for less than what you owe with the creditors using XXXX XXXX XXXX firm. This was what they did to me. 
They also tell you to stop paying your creditors and they will set up an account with a company called XXXX XXXX where your payments are held and then used to pay the settled debts. 
While you are not paying your creditors, late fee and interest will accumulate and the money that you think is being saved to pay off your settled bill is instead being used to pay illegal upfront fees. I have not had any of the debt negotiated. My credit has gone way down. Creditors are calling me left and right. 
Per the Federal Trade Commission debt relief services, you can't collect any fee from a customer until you meet these three requirements : You must have reached a successful result for your customer. Not happened. It is XX/XX/XXXX now. 
There must be an agreement between your customer and the creditor. 
Your customer must have made a payment to the creditor. I've paid {$460.00} every month since XXXX and also sent them {$600.00} extra to help pay down the debt. 
Someone at XXXX XXXX sent out emails to the clients on XX/XX/XXXX from court appointed receiver for XXXX XXXX XXXX. to tell them that they are being sued for fraud and the XXXX XXXX XXXX brushes it off stating disgruntled employee and to ignore. They also conveniently sent an email out less than one week after this email stating they are making enhancements to the site and it would be down. 
The lawyer I have been assigned to is XXXX XXXX XXXX. 
This lawyer claims it can take awhile to get resolution. Had I known this, I would have worked with my creditors directly and have had a solution. 
I do not believe a word of what I am being told. It is pointing fingers to others. There's a current lawsuit filed XX/XX/XXXX showing several states however my state of XXXX is not included. I would like to be included in this. If I can provide anything, please let me know. 

I have all the emails sent to me and am happy to forward to anyone who needs them.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC (NY)

I don't recall having a contractual relationship with this collection company CKS Financial. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Schukei Chevrolet Volkswagen (VA)

There were several people who were involved in this scheme. Also I was a victim of identity theift and internet scam and hacking several banks and medical information also. I am getting bills asking for money for bills. Over charging for phone services. This is not all of what has been done.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one Late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payment, I have attached a copy of my report to this complaint on the following dates ( XX/XX/year>, ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt accin.
Consumer complaint received 2024-05-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flat Six Holdings Inc. (TX)

Ivy Funding Six LLC dba as XXXX, XXXX XXXX loan stores/line and in person in Texas, also Ivy funding XXXX XXXX between XXXX XXXX  and signature loans is charging huge I terest. Also. XXXX, TEXAS XXXX repossession cars in XXXX very aggressively, selling them on XXXXXXXX XXXX  auctions often to XXXX XXXX  Buyers whom cross XXXX XXXX to buy Cars. XXXX XXXX XXXX, Texas stores have ask consumers to help them obtain illegal State Texas Inspection stickers and XXXX employees often buy cars after re pod from consumers. XXXX own buy Ivy Funding or Ivy Financial XXXX XXXX XXXXXXXX funding XXXX XXXX XXXX XXXX  XXXX Offices in Georgia and Agent in Ohio
Consumer complaint received 2024-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC (DC)

I was informed of identity theft in XXXX and froze my XXXX credit bureau accounts. I checked my credit reports then and didnt see any suspicious activity in XXXX. However, I was notified on XX/XX/XXXX that my XXXX XXXX XXXX dropped from mid XXXX to XXXX which was XXXX points drop! I checked for the reason and see suspicious activities and most importantly a collection called Capital Accounts LLC trying to collect {$930.00} for XXXX XXXX XXXX XXXX XXXX. I called Missouri XXXX XXXX and turned out that I had a XXXX there in XXXX. However, I paid about {$650.00} there as my portion and was assured that that was what I owe. Their explanation is that I owed additional about {$650.00} because my insurance rejected to pay their portion. However, I was never informed of this. I never received a call or anything in the mail saying that I still owe money to XXXX XXXX XXXX or that the insurance didnt pay anything. I moved to other State XXXX years after the service in XX/XX/XXXX, and I had my XXXX XXXX delivered to my new address through XXXX for about an additional year. I never received anything about this. I asked them to email me what has happened and havent received anything. I tried to dispute it through XXXX and they want a FTC report to proceed. The question is why they didnt bill me for the right amount at the first place if I owed more. I have never missed a bill and paid them right there on the day of service. Why should this happen after XXXX years in XXXX right when I am in the middle of an identity theft. I believe this is fraudulous and shocking. I cant afford this. A XXXX point drop in my XXXX XXXX is huge for me as I am trying to buy a house in a couple of months! My XXXX XXXX has never been this low. I have been spending so much time on calls about this identity theft issue and suspicious activities in my accounts. The question is why my identity was breached. I was subject to XXXX breach in XXXX but never got a logical response from them. I have been calling them again these days and they sound very irresponsible.
Consumer complaint received 2024-05-09
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Michel Law, LLC d/b/a Level One Law (OK)

I signed a contract with LeveOne Law in XXXX, Florida to debt settlement in XX/XX/XXXX. I pay XXXX monthly for help settling debt relief with four credit card companies. I received notification on XX/XX/XXXX that they would be unable to help with future settlements due to court order against partner or parent company XXXX which is being sued by New York and XXXX other states attorney Generals. For 15 months I have made payments in total XXXX dollars and received no settlements or representation in court. I am being sued or in collections with all four and navigating this situation by myself. I have had to fill out and answer summons with help using XXXX to ensure I stay within the law.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bureau of Accounts Control (NJ)

On XX/XX/XXXX, a debt collector ( Bureau of Accounts Control INC dba BAC, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) attempted to collect a {$5100.00} debt by phone and email. BAXXXX claimed that a XXXX XXXX accounting firm was owed monies from XXXX. BAC Collections also reported a " Collection Notice for Retail/Individual Debt to all three Consumer Credit Reporting Agencies to add a negative collection notice on my consumer credit reports. 

Since that time, I have tried several times to ask for proof/validation that the debt is valid, but the collection agency only provided an email from this CPA firm certifying to the validity that I personally owe this consumer debt. This is not legal proof and I have asked for account statements, dated invoices or other legal documents to prove this is a valid personal debt. I also have tried to dispute this collection notice using the XXXX Credit Reporting Agency websites, but they defer to the debt collector to correct errors and BAC has refused to provide validation nor corrected their false Collection Notice submitted to all major Credit Reporting agencies. 

In addition to not providing legal validation that this is a personal consumer debt, the collection agency ( BAC ) has fraudulently changed the original date of the claim. The XXXX XXXX firm and original claimant ( XXXX XXXX XXXX XXXX ) has provided business tax reporting services for XXXX of my limited liability companies ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for {$750.00} ( invoice attached ). I have presented this invoice to BAC Collections, but they refused to correct the date nor acknowledge that the debt is a business-to-business trade matter and NOT a legal consumer debt. 

I called the XXXX  State Attorney General office and they recommended that I ask for legal proof I owe this debt of {$5100.00}, such as account statements, invoices or credit agreements in my name. I have asked BAC for this by certified letter and they have ignored my request for validation nor correct the original date of the claim ( XX/XX/XXXX ) and are violating the federal Fair Debt Collection Practices Act ( FDCPA ) by illegally reporting false credit collection notices on my consumer credit reports at XXXX, XXXX and XXXX. 

I request help to remove this false debt collection notice from all the Consumer Credit Reporting agency databases and to fine BAC Collections for not following the federal Fair Debt Collection Practices Act ( FDCPA ) for the statutory penalty of {$1000.00}. 

Thank you- XXXX XXXX.
Consumer complaint received 2024-05-08
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law (NH)

In XXXX of XXXX  I responded via an XXXX number to a mailing to finance a loan at a reduced interest rate. The person ran a check on my excellent credit and said it was not good enough for a loan and offered this other service I was unfortunately not well informed about to re-negotiate my old loans at a better interest rate. I was up to date on these loans, but was promised that their lawyers could get me better shorter terms at a reduced interest with LevelOneLaw. I was told to stop paying on the loans and that it would reduce my credit score for XXXX to XXXX months. After signing up in XXXX, I set up my account on their web site, uploaded correspondence from my loan accounts and made several attempts to reach 'customer service ' but was never able to get through. I was told they would send out power of attorney letters to these loan accounts, but that never happened. In XXXX, I got thru to Customer Service after waiting on hold for an hour. After noting some bad reviews about Level One Law on the internet, I feared I might lose my money as well as my good credit if I continued to try to work with them. I put a hold on their automatic withdrawals of $ XXXX and asked to be terminated from the program. I wrote an email to customer service to request that they return of my money since it was clear from the information on their website that they did not contact any of my accounts. From the {$1800.00} I paid them, they returned {$590.00}. I realize that I was misinformed and should have done more research on this before engaging this company, but I trusted the initial contractor who was at the other end of that XXXX number on the mailing I received ( XXXX XXXX at XXXX who's phone is no longer in service ).
Consumer complaint received 2024-04-26
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law (AL)

Follow up on previous complaint submitted against Level One Law.XXXX emailed XXXX XXXX XXXX XXXX attorney XXXX who was in charge of setting up and representing my account. I asked her to please address summons. I received a one word sentence I no longer work for Level One Law. In response, I demanded to know who was representing me and that I would take action against her and her previous employer. No one ever reached out to me to let me know this woman no longer works for Level One Law
Consumer complaint received 2023-10-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (ME)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as XXXX XXXX XXXX XXXX and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX '' when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Atlantic Mortgage Direct LLC (TX)

In XX/XX/XXXX, I had applied for a mortgage purchase first time homebuyer program, The company was Atlantic mortgage in XXXX XXXX, Nevada and the owner was XXXX XXXX. He told me that I was preapproved for a loan allowed me to sign a contract locking in to a house. I handed them the title company {$2800.00} for the good faith estimate money during this process, I also spent another XXXX on an inspection and XXXX for the appraisal upon this adventure. XXXX assured me that I had the loan and I was approved received the low loan documentations. XXXX XXXX had me extend the closing date from XX/XX/XXXX to XX/XX/XXXX as of XX/XX/XXXX we were waiting for the closing disclosures which we needed to close alone and we were unaware that we were waiting on conditions from the bank in order to close on the loan XX/XX/XXXX I was informed that I was loan was denied without giving any reason whatsoever just pure speculation that it was my spouse was the reason and come to find out dealing with another bank that my wife was not the issue XXXX has never done any business in Texas and I feel that his real estate license to do business should be revoked. I lost over {$5000.00} and my XXXX  because of this clown he should be in prison.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-05-05
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Strategic Financial Solutions, LLC (PA)

In XXXX I received marketing saying I was pre-approved for a debt consolidation loan. Through my divorce I racked up about $ XXXX in debt. This loan was supposed to consolidate it and help me get out of debt. I was denied and then got a call from Strategic Financial Solutions saying that they can pay off my debt for a fraction of what I owe. I am not their normal client as I earn over $ XXXX. Once I sent them everything they walked me through the contract. I knew that I was going to have to pay a retainer fee for XXXX XXXX and I was fine with that. It was a bi weekly draw of about {$1800.00}. Never anywhere did it state that {$1100.00} of that draw went to Strategic Consulting. In XX/XX/2024 I got a notice that they are under investigation. I figured I would look at the holding account and when I saw that after 5 months I only had {$3000.00} in there is when I requested that money and closed the bank account. My credit score that was XXXX is now destroyed because of their guidance. I want my {$8100.00} back and I will negotiate my debt myself. Please let me know what else you need from me.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Intelligent Mortgage and Consulting Services LLC (AL)

I used a mortgage broker ( Intelligent Mortgage ) to refinance my home in 2020. In the process, my mortgage broker told me not to pay my mortgage payment to make sure the numbers on the refinance paperwork are correct. I voiced my concerns about a late payment. The mortgage broker stated that I had nothing to worry about because the payoff payment would not be past XXXX  days. I believe that the mortgage broker failed to act in a timely manner, therefore causing XXXX XXXX loans to submit a negative report to the credit reporting agencies. I have had a late payment on my credit report for over XXXX  years now. I have tried repeatedly to get the companies to correct their mistake with XXXX results. The negative report, that was not my fault, has damaged my ability to get the financing that would be available if not for the inccorect report. Please help me get this resolved.