davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK (AL)

Case # XXXX On XX/XX/year>, my XXXX XXXX XXXX  account with a balance of {$1600.00} connected with my dad, XXXX XXXX XXXX, XXXX, for years now since leaving for College, was levied along with his. All of my money was gone with a day left to pay my rent which was included in that amount. While I understand that my being connected to him at the time of the legal order is a thing, I do not think it should be ethical or right that my money should be taken into this situation that had nothing to do with me. I am pleading that something is done to get my money back to me somehow some way because I have no connections to the loan payment nor will I be the one paying the loan back since it is his loan that I had no knowledge of. I have bills to pay and I have never been late on any of my bills so I would hate for it to be on the account of this that I run behind on my payments. Ive been on the phone and have talked to someone by the name of XXXX at XXXX and XXXX XXXX XXXX and she said he would have to pay the money back which he will be working on doing that but as for me, I should be exempt from this situation. Is there ANYTHING anyone can do to remove me from this situation and having my money returned to me.
Consumer complaint received 2024-06-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SYNCHRONY FINANCIAL (CA)

I bought a 2024 XXXX XXXX on XX/XX/year> through XXXXXXXX XXXX XXXX XXXX in XXXX, CA. I financed it as my plan is to quickly pay it off. My APR is 9.99 %. A friend who recently bought a new bike at a different dealership told me of a promo XXXX offered during the month of XXXX where I could have qualified for either a .99 % or 3.99 % APR. That promo is here : XXXX : XXXX #. My credit is excellent ( my XXXX score is XXXX ) but I was never made aware of this promotion. I called this morning and spoke with my sales manager  XXXX XXXX ( aka XXXX ) -- who told me I wasn't offered this special rate because they applied a {$750.00} rebate to the bike. I would have much rather had a .99 % interest rate than a {$750.00} rebate. Ultimately I just would have like to have known my options so that I was making the best financial decision.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

Starting last year Comenity Bank has continued to call me over 20 times a day leaving voicemails stating I would be served if I did not respond back to them within the day. Im called 7 days a week by these people from XXXX and on federal holidays. I block the number they call from and they spoof calling back with a new number. I understand they believe I owe a debt but I want them to stop harassing me.
Consumer complaint received 2024-06-03
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: ENCORE CAPITAL GROUP INC. (FL)

XXXX. Incorrect credit reporting regarding XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX. Incorrect credit reporting : MIDLAND CREDIT MANAGEMENT Original Creditor : XXXX XXXX XXXX ) Note : Both were disputed but the credit bureaus failed to put that it was disputed under FCRA laws. They reported disputed by individual therefore this was incorrectly disputed and after contacting them they would not provide any further explanation nor information.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (IN)

XX/XX/year>. I requested information on the phone with the collection company. I was told they would put a link on my home. I couldn't get the caller to tell me what my debt was. Now I see they are increasing my debt by XXXX every month.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OH)

Disputed all three bureaus in the last three months and creditors did not correct.

Loan default and anything that has a negative impact that resulted from the default is not allowed to be reported for loans in fresh start program. XXXX XXXX now has the loan and has corrected their history. This loan was in default with this lender since 2016.this issue cost us 3 months of not being able to replace our dead car. I will be filing through her or small claims to be made wbole by fedloab and the bureau
Consumer complaint received 2023-05-11
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. (TX)

I called the 3 Credit Bureaus after I purchased a credit report. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate items on my credit report which are UNKNOWN to me. This is disappointing because I have been disputing fraud items on my credit report all this time. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which are opened without my knowledge, consent or authority. I am expecting that these items be removed immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (MI)

US DIRECT EXPRESS CLAIM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX MY MOUNTHLY ACCOUNT REPORTS DID NOT CONTAIN THE NAME OF THE RETAILER, IN THE COLUMN TITLED " 'RETAILER ' THERE WERE ONLY ADDRESSES. I COULD NOT RECONCILE MY ACCOUNT USING COMPANY HEADQUARTERS - NOT EVEN THE ADDRESS OF THE POINT OF PURCHASE. NEAR THE END OF XX/XX/XXXX ANTICIPATING XXXX SPENDING, I WENT THE EXTRA MILE TO CHECK MY ACCOUNT CHARGES.BECAUSE SOME OF THEM DID NOT LOOK FAMILIAR. FORTUNATELY, I FOUND FRAUDENT CHARGES THAT WERE ONLY IN XXXX. I SAY FORTUNATELY BECAUSE THIS COULD HAVE BEEN GOING ON FOR SEVERAL MONTHS NOT JUST XXXX. - IN LATE XX/XX/XXXX AND EARLY XX/XX/XXXX. I CONTACTED DIRECT EXPRESS BY PHONE FOLLOWING THEIR ADVICE, WE SHUT DOWN THE ACCOUNT, PREPARED A RECONCILLATION, MADE A POLICE REPORT AND ISSUED A NEW CARD. THE POLICE CAME TO MY HOME AND CHECKED THINGS OUT - PURSUED AN INVESTIGATION AT SOME OF THE PURCHASE RETAILERS AND A REPORT WAS SENT DIRECTLY FROM THE POLICE TO DIRECT EXTRESS.I SENT SEVERAL EMAILS TO DIRECT EXPRESS FOR REIMBURSEMENT XXXX WHO WOULD NOT SOEAK WITH ME ON THE PHONE AND REPLIED ONLY BY XXXX POSTAGE ( AKA SNAIL MAIL ). NOW, AFTER XXXX MONTHS OF " BOBBING & WEAVING ', DIRECT EXPRESS NOTIFIED ME THAT THE DISPUTED CHARGES WERE ALL MINE AND THERE WOULD BE NO REIMBURSEMENTS. THIS IS NOT GOOD, NOT RIGHT AND NOT ACCEPTABLE. THEY HOPE THIS OLD GUY ( ME ) WILL DIE BEFORE ANYTHING CAN BE DONE ABOUT THIS MATTER. I WANT THE MONEY DUE ME.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (AZ)

Company never provided contract according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) or provide who they spoke to in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D
Consumer complaint received 2023-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

AES/PHEAA just increased the interest rate on a loan where they are the guarantor. Because I feel this was unjustly raised, I have to make a complaint so the Federal Government can make a determination on whether or not this was done in retaliation due to me instantiating complaints against the Agency on a regular basis for valid concerns. 

The Agency a ) does not respond timely to complaints b ) fails to respond accurately c ) retaliates against me for holding their agency accountable by either increasing interest rates or having their customer service staff argue or behave inappropriately during phone conversations The loan details of the interest rate adjustment are as follows : Owner : PHEAA Guarantor : XXXXAES/PHEAA School XXXX XXXX XXXX XXXX LOAN VARIABLE RATE XXXX 8 % Reason suspected for PHEAA raising the interest : Retaliation for borrower making complaints. Just because the interest rate is variable doesn't mean the Guarantor can raise it because they get annoyed with borrowers making complaints. If PHEAA claims they raised it due to other reasons, they are not telling the truth.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (NC)

According to the Fair Credit Reporting Act 15 USC 1681 Sec 602 - " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the customers nonpublic personal information. SYNOVUS BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. SYNOVUS BANK the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, SYNOVUS BANK whether is be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non disclosure option. SYNOVUS BANK never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of this information, other than records convictions of crimes which antedates the report by more than seven years.

This account is an adverse item they are reporting again without my permission which is against the law.

15 US Code 1681s-2 ( A ) ( 1 ) States " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 15US Code 1681 states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' XXXX and XXXX are not maintaining reasonable procedures. 
Also, 12CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out to bring your attention to the fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely associated with me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is crucial to address this matter promptly, as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint personally. After reviewing my credit record, I found instances of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly ask for your assistance in resolving this matter.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Dispute of Alleged Debt Account Number XXXX Dear Midland Credit Management, I am writing to dispute the validity of the alleged debt associated with the account number referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g Sec. 809 ( b ), I have the right to request and receive validation of this debt. Accordingly, I request that you provide me with the following documentation : Calculation of the Balance : Please provide a detailed calculation of the balance you claim is owed, including a complete payment history on this account. This should include the original amount of the debt, any interest or fees added, and all payments or credits applied. 

Documentation of Agreement : Furnish documentation that shows I agreed to pay this debt. This should include any contracts, agreements, or other relevant documents with my signature that establish the validity of this debt. 

Authority to Collect : Provide a copy of the agreement between Midland Credit Management and I that grants you the authority to collect on this alleged debt. I did not sign any contract with midland so there is none to show. 

State License Information : Include a copy of your state license to operate as a debt collector in XXXX XXXX including the license number. 

In addition, under the Fair Credit Reporting Act ( FCRA ), please cease any reporting of this debt to credit bureaus until the debt has been validated by me. Reporting unverifiable information to credit bureaus is a violation of the FCRA and can result in legal consequences. 

Please consider this letter a formal dispute of the validity of this debt. I request that all future communications regarding this matter be made in writing. Additionally, please note that I am keeping detailed records of all correspondence related to this matter, including a copy of this letter. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation to validate this alleged debt. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-11
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. (CA)

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX XXXX customer service representative.
Consumer complaint received 2024-09-02
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. (KY)

You may have never heard of XXXX XXXX XXXX, yet your personal information may have been compromised in the companys recent massive data breach. 

The background check company, which is owned by XXXX XXXX XXXX, recently released details of the breach after a proposed class action lawsuit alleged XXXX XXXXXXXX personal records may have been exposed. Other reports suggest the amount of records leaked may have been more than XXXX XXXXXXXX. 

In an official data breach notice filed in Maine, XXXX XXXX XXXX indicated XXXX XXXXXXXX  records may have been breached, said XXXX XXXX XXXX, chief operating officer at Identity Theft Resource Center, a non-profit organization focused on mitigating risks of identity breaches and theft. 

XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NY)

I'm in the balance transfer from XXXX XXXX card to the city card ending in XXXX but I had a very small balance on the city card so they issued me a credit on my statement of {$6500.00} the amount of the balance transfer when I requested to get that credit amount and the check the company fooled around with me I call them like XXXX to XXXX times trying to get a check trying to get a direct deposit I never received it after XXXX months the credit on my statement disappeared and I tried numerous times to call the company and to get from them the credit they are sometimes they hang on the phone on me sometimes they send me over to other other departments and nobody was wanted to help me I even tried to get to speak to some supervisors and no one of them helped me it's really XXXX months they're keeping my {$6500.00} with them and no letters coming from them no update is coming from them I really call that stealing my money I want my money back plus a amount for that inconvenience and for that time frame I was withhold my money