davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MS)

Synchrony bank handles payments for TJ Maxx. My payment made online was not late. I entered it on XX/XX/XXXX and again on XXXX because they needed more info. I resubmitted and it was accepted. I was charged a late fee. I made multiple attempts to speak with someone via email, phone call, virtual chat, text. Finally was informed it was returned. It was never sent nor processed by my bank. Of course by then it was late. I mailed a check on XXXX and it cleared my bank account on XX/XX/XXXX. Im still getting late fees. I made a previous complaint and was responding by a copy of the terms & agreements, interest rates, late fees etc. I already had that info and understand it. My complaint was WHY was it not sent to my bank for processing and why was I not notified
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (TX)

I have recently received text from a debt collector identified as True Accord they contacted me 3 times via text message stating I owe someone a debt. They text me Sunday XX/XX/year> at XXXX p.m.central time. The second contact was on Wednesday XX/XX/year> at XXXXXXXX XXXX central time. The third time they contacted me was on Thursday, XX/XX/year> XXXXXXXX XXXX central time wanting me to log in their system to verify an alleged account. I need True Accord to fill out the debt collection disclosure statement. The allged debt, must be completed in accordance with the " Fair Credit Reporting Act, " at [ 15 USC 1681 et. seq ] and teh " Fair Debt Collection Practices Act, '' at [ 15 USC 1692 et seq ] and the applicable portions of " Truth and Lending '' ( Regulation -- -- Z ) at 12 CFR part 226 et. seq., and demands as cited above " Offer of Performance. '' Debt Collector must complete all required questions clearly, accurately, conspicuously and in writing. The form is uploaded.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Transform Credit Inc. (GA)

I never was approved for the loan so therefore I never received the funds. I've been charged {$XXXX} a month without giving my permission to take any funds out of my banking account. I like to report fraud and to have this account investigated.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (PA)

This request is a time sensitive matter before submit to XX/XX/XXXX. XXXX XXXX  had frozen PA unemployment compensation checks during the XXXX  XXXX, XXXX to XXXX. A remediation is underway for a refund to the affected including myself. I supported myself and others using my savings account. I also transferred money by Western Union in that period.
Consumer complaint received 2024-03-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Scott Fetzer Financial Group Inc. (LA)

Requesting that United Consumer Financial Services adjust my loan interest rate to the XXXX XXXX cap that Louisiana statute RS 29:312 states and refund me the overage amount.
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

On or around XX/XX/year>, a person I did not know deposited money into my PayPal account. This likely was a scam. The person then charged back the amounts, and disputed the amounts through PayPal. PayPal found in favor of the scammer and levied a {$15.00} fee against my account. PayPal refuses to remove the fee even though I have said multiple times this was a scam. PayPal is now threatening to deactivate my account due to the fee. The PayPal internal case ID is Case ID XXXX.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

I applied for a card with Comenity Bank. I received a letter stating they could not access my XXXX report despite it being unlocked. I called and, without my permission, they pulled my report again. They stated that didn't work either and they still couldn't access my report, so they couldn't process the application. None of this was true as they made two hard inquiries on my account without processing my application. I want these inquiries removed as Comenity operated without my permission to pull one and claimed they couldn't access my account on the other, when they obviously did.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (PA)

I have a credit card with Wells Fargo that is just for day to day spending. I have had the card since XXXX and pay a set amount with every bi-weekly paycheck so that the previous statement balance is satisfied and I do not have to pay any interest. 

For the XX/XX/XXXX statement, I was responsible for a balance of {$410.00}, due by XX/XX/XXXX. I paid {$400.00} ( + {$13.00} via rewards credit ) before XX/XX/XXXX, and another scheduled payment of {$200.00} was transferred on XX/XX/XXXX. I was unaware that the balance of {$5.00} was late by 2 days, but I was appalled to see that i had been charged interest in the amount of {$5.00}. The interest charge was more than the remaining balance on the account, so I called to complain. 

The Wells Fargo representative offered to dispute the interest charge, but told me that the policy is not to charge interest based on the previous balance or any payments during that month, but instead to charge interest based on the current balance including all new charges. To make sure I understood, I asked whether that interest calculation would therefore include a large hypothetical purchase on the day just before a payment was due. The representative confirmed that even new transactions that were only a day old would be included in the calculation of interest charges, even though they were not within the time frame where interest should be accruing. 

I would be surprised if this was a legal practice, even if the language is somewhere in the customer agreement. I am able to dispute and/or pay my modest penalty, but other people must have much harder times making any progress if they suffer from these dishonest practices. I hope that by sharing this information, progress can be made to help protect people from this type of predatory lending.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding took legal action and brought complaint to XXXX XXXX XXXX XXXX XXXX. Case was dismissed on XX/XX/year>. At this time they are still triggering my credit report as if I owe them money. They will not stop.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation (NC)

XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX USCB Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re XXXX Cease and Desist Request Regarding Credit Collection Dear CFPB, I am writing to formally request the immediate removal of the collection account listed under my name, identified by account number XXXX XXXX, from my credit report. This collection is appearing open and closed on my report. Also, showing as missed payments. But this account is in collections. Which is inaccurate reporting. This company is reporting fraudulent inaccurate information on my credit report. I requested that they provide the purchase agreement to show full ownership validating that this account of such and other documents so I may review to see if this account belongs to me. Collector hasnt provided the correct validation requested, proving matters to this account. According to 15 USC 1692 c you have violated my rights by lawful communications. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to verify the legitimacy of any debt claimed against me. Specifically, I have requested that you provide me with my wet signature on the original contract and the actual payment history associated with this account! paid. To date, you have failed to provide these documents. 
As you have not provided the requested verification, you are in violation of these regulations. I am therefore requesting that you cease all collection activities and remove the collection entry from my credit report immediately. Failure to comply with this request will leave me no choice but to escalate this matter to the appropriate regulatory authorities. 
Please confirm in writing that the collection has been removed from my credit report and that no further action will be taken. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-28
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. (GA)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$8200.00}
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A few months ago, I reviewed my credit report and found discrepancies related to the account : CAPITAL ONE ( XXXX ). This situation is infringing upon my rights. I have disputed these inaccuracies with all three credit bureaus and the creditor, but I only received generic replies. Consequently, I am filing this complaint based on my findings. The company is violating sections of 15 USC.

15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting. 

Despite having disputed these issues with the credit bureaus and the same creditors, they have not provided a satisfactory response. Therefore, I suspect an inability to validate the information, as they have not provided the documentation I requested, which by law should be given to me.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Previous disputed items from the following case numbers reappeared after being removed for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Please see the attachments for your review. The following items that reappeared after being removed showed more than 1 name, more than 1 address, old accounts over 7 years old, accounts that do not belong to me, and accounts that have been disputed. Transunion agreed to remove the disputed accounts but months later reappeared. I'm reporting the inaccuracies and requesting they be permanently deleted from my credit report, ASAP, ( AS SOON AS POSSIBLE ). And not allow these inaccuracies to never reappear again on my credit file months later, AGAIN.

This Account Is Involved In Litigation. 
I Have Not Supplied Proof Under The Doctrine Of Estoppel By XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I Presume That Alleged Debt, NOR Therefore Any Such Debt, In Fact Therefore Exists Pursuant To 18 USC 8, L Owe No Debt, This Company Is Violating My Consumer Right To Privacy Pursuant To 15 USC 1681- B2 Company Has No Permission To Report My Information Per 15 USC 16814.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I received multiple emails from XXXX linked to my XXXX account inviting me to apply for a XXXX American Express card. The offer promised XXXX bonus miles, a {$2500.00} XXXX XXXX and a Welcome MQD of {$2500.00}. The advertising showed the offer and calculated what my new MQD balance would be and which level I would achieve if I opened the account. I opened the account from the email I was sent prior to the expiration of the offer. The account was approved and opened, but I ended up receiving XXXX cards from AMEX. Concerned that they accidentally opened XXXX accounts in my name, I called them on XX/XX/XXXX to see which card was valid and to ensure I didn't have XXXX accounts. The representative confirmed that the system accidentally added me as the cardholder and an additional user and they fixed it. While I was on the phone, I asked the representative to confirm the bonus offer and she told me I was receiving their standard offer ( something like XXXX bonus miles ). I explained to her that I received an invitation to apply and gave her the terms of the offer. She logged a complaint ( XXXX ) and said I would hear something within XXXX weeks. I did notice in my account that my miles bonus was updated to XXXX, but I did not receive the missing {$2500.00} XXXX, so I called the customer service number again today XX/XX/year> and spoke to XXXX. He confirmed that the complaint had been reviewed and closed out, but I never received any communication. The only assistance he would provide me was to open the complaint again. No one from AMEX has requested to view the email that I was sent to confirm the offer, even when I raised concerns about this being " bait and switch ''.
Consumer complaint received 2024-07-11
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. (OK)

I have accounts on my report that do NOT belong to me. I have reached out to Experian and they refuse to move it, KEEP stating that the " investigation is complete, reported by data furnisher '' but yet they don't provide me with anything. The Reinvestigation states " This item remained unchanged from our processing of your dispute in XX/XX/year> '' they have yet to provide me with all the information used in the reinvestigations and this is a violation per FCRA 611 ( a ) ( 2 ) ( b ) and FCRA ( a ) ( 7 )
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (FL)

Credit Karma is reporting credit scores that are XXXX lower that what the XXXX Agencies have at the same time or 30 days prior. Credit Karma gave me an updated report and reached out to XXXX to do the same. XXXX gave me my score for the XXXX prior and current. XXXXredit Karma provided me the same and the were consistently were XXXX and XXXX lower. They told me they're reporting what XXXX is giving them. How is this possible if you receive information, you post that information. I reconfirmed XXXX information by asking XXXX of my Banks XXXX XXXX for a copy of my report due to a recent application and it was aligned with XXXX, not Credit Karma. Now because of this credit offers from Credit Karma I should receive I'm not instead I'm receiving the higher interest rate, with lower credit lines. This looks like a form of XXXX or predatory profiling.
Consumer complaint received 2023-09-04
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX  XXXX XXXX  XXXX XXXX Balance : {$8100.00}
Consumer complaint received 2024-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I live at XXXX XXXX XXXX XXXX  XXXX NY, XXXX. For the last 6 month or so I have been trying to get a modification with my mortgage company SPS, XXXX # XXXX I attempted a XXXX XXXX and the company had reported making numerous attempts to contact me which was false and to date all they can only offer me is a repayment plan with a very high payment. I have spoken to a number of their employees and I have been given different information that conflicts with other. One of their employees told me to request a supervisor when contacting them and I have twice but I was never connected. As of today there is a sale date of XX/XX/year>. After I was told that I did not offer a high enough for the Shot pay off quote in XXXX and that I could make another offer over the phone but I would have to withdraw the current XXXX a month repayment plan. I did raise the offer amount which was not noted on the SPS portal and since then there is a new sales date. I think this is unfair and unethical. I contacted XXXX and was told I have no other options at this time.
Consumer complaint received 2024-07-30
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. (SC)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NJ)

Hey my name is XXXXXXXX XXXX XXXX XXXX. i never open the discovery credit card at all. they sued me and take me to court, it said it my responible for it but i tried explain to them i never open at all and i really dont know who open or used the card. i have been trying hard to fix this problem and solved it. i want them remove all amount and closed the account. i also want they removed off credit report
Consumer complaint received 2024-06-08
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK (TX)

XX/XX/year> spoke with XXXX at Freedom Financial. Started program with them to handle XXXX XXXX, XXXX XXXX, and XXXX XXXX. He explained that there would be at least 50 % off on each debt. I could only afford XXXX bimonthly. He told me that for 6 months my credit would be bad, but once the creditors started to be dealt with, score would go up. He said there would be a XXXX charge a month for fee to handle this. Also said to try to make extra payments. I'm XXXX and only have social security so it was hard. They said once there was XXXX in my account, they would reach out to first creditor. Not a word that they would take out a lump sum as each creditor was dealt with. So after my homeowner taxes were paid, I paid XXXX bimonthly and a one time of XXXX and XXXX. Last month, they settled with XXXX XXXX XXXX @ month for 6 months. But Freedom took XXXXof my XXXX for themselves. This was never told to me. I was told they would take everything for Freedom after all debts were paid. This is fraudulent. I then cancelled.
Consumer complaint received 2023-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00}