davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OR)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (CT)

Destiny mastercard offered an excellent promotion to help rebuild credit so I applied and received the card. I planned on using it once in a while and paying it off right away. The first day, I charged XXXX dollars at a gas station. I received an email with my new balance of {$210.00}. Apparently there was an asterix on the promotion stating that you would be assessed their fee of {$200.00} the first time you used it. I tried to cancel it the same day, but the rep said that regardless of how or why I signed up, I either paid the {$200.00} fee or they put it in collection. I will gladly pay the {$12.00} or so, I'll even give them {$20.00}. I just want that deceptive membership fee removed. I have already cancelled the card.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (OK)

As a XXXX I applied for a new VA mortgage with legitimate lending providers including XXXX XXXX XXXX and XXXX. Immediately following these institutions running my credit score I have been bombarded with predatory loan providers who clearly have all my information trying to sell me their mortgage. None leave messages and keep calling, I find it harassing and I believe it should be illegal for credit report agencies to violate my privacy by providing my information to lenders other than the institutions I authorized. If you ask me, the very agency that is supposed to protect my credit information, and protect my identity is the very source of potential identity fraud with these kinds of practices. When I contacted my financial institutions about what is happening I was told this is the practice of XXXX. After discovering these kinds of practices, I would never do business with XXXX, but that choice is stripped away from me with the current financial systems in the U.S. that force me to use a company that allows predatory lenders access to my information unless I first contact them or have a freeze placed on my account, but to get my mortgage I can't have a freeze. I have contacted XXXX about their practices and requested that they do not share my information with unsolicited lenders but this has not stopped the calls from the numerous agencies that they already contacted with my information. It should, in my opinion, be illegal for anyone, bank or otherwise, to be notified when I apply for a loan, or credit card, or anything, besides the companies I am directly working with. Anything else is a violation of my privacy and proves these credit monitoring companies are unethical and do not know the meaning of confidentiality. Additionally, they are encouraging and enabling predatory practices that are violating and hurting U.S. consumers. How will you protect my privacy? How will you protect me from these predatory agencies trying to take advantage of XXXX and citizens?
Consumer complaint received 2023-12-22
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2024-02-28
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: SYNCHRONY FINANCIAL (TX)

I notice unauthorized inquiries on my credit report that I would like all to be removed. According to the FCRA, these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Syncb/amazon 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 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (SC)

ON XXXX XXXX, I WAS IN XXXX MISSISSIPPI FOR A LAW ENFORCEMENT CLASS ( XXXX XXXX RECOGNITION ). WHILE ASLEEP AT THE HOTEL DURING THE NIGHT TIME HOURS MY CREDIT KARMA CHECKING ACCOUNT WAS COMPROMISED AND DRAINED OF MONETARY FUNDS. WHEN I WOKE UP THE FOLLOWING MORNING AND CHECKED MY CELL PHONE THERE WERE NOTIFICATIONS THAT MY BALANCE WAS {$27.00}. MY BALANCE BEFORE I WENT TO SLEEP WAS {$1200.00}. I IMMEDIATLY CALLED CREDIT KARMA CUSTOMER SERVICE. THEY STATED MY ACCOUNT AND CARD WERE LOCKED FOR SECURITY CONCERNS/FRUAD. I OBSERVED MULTIPLE XXXX XXXX WITHDRAWAL 'S FROM MY CREDIT KARMA ACCOUNT. I FILED A POLICE REPORT WITH THE XXXX XXXX XXXX XXXX XXXX IN SOUTH CAROLINA. THE DISPUTES WERE BROKEN INTO XXXX INCIDENTS PER THE DISPUTE CENTER FOR CREDIT KARMA. CREDIT KARMA COMPLETED XXXX CLAIM AND DEPOSITED {$340.00} BACK INTO MY ACCOUNT IN VERIOUS INCREMENTS. I IMMEDIATLY MOVED THE MONEY TO A SECURE BANK BECAUSE MY ACCOUNT WAS COMPROMISED. CREDIT KARMA SENT AN EMAIL TO MY PERSONAL ACCOUNT STATING THEY DENIED THE CLAIM FOR {$810.00}. I CALLED TO APPEAL THIS PROCESS GIVEN THAT THE CUSTOMER SERVICE REP STATED A CARD WAS ADDED TO MY ACCOUNT THAT I DID NOT HAVE IN MY POSSESSION NOR OWN. CREDIT KARMA WAS REQUESTED BY ME TO HAVE THE XXXXNVESTIGATOR CALL OR REACH OUT. I ALSO REQUESTED TO SPEAK WITH A SUPERVISOR. I HAVE NOT RECEIVED ANYTHING I REQUESTED. I RECIEVED AN EMAIL TODAY XX/XX/2024 FROM CREDIT KARMA STATING MY ACCOUNT IS FROZEN AND IT WILL BE CLOSED. I HAVE EXHAUSTED MYSELF TRYING TO SPEAK TO SOMEONE TO FIGURE OUT WHY MY FUNDS HAVE NOT BEEN RETURNED AND MY ACCOUNT IS BEING CLOSED.
Consumer complaint received 2024-07-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC (OH)

Amerihome Mortgage is refusing to allow me to make payments and keeps charging me late fees. They would not let me change the payment date in XXXX and my bank account was severely overdrafted. I had to have my bank refund the payment. Then they refused to take an online payment and told me to send a check. I sent a check on XX/XX/18 and they just let me know today that they rejected the payment for not being a XXXX XXXX XXXX  even though they didn't say that. So now I am XXXX months behind and they are still refusing to take my payments.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc. (NC)

On XX/XX/year> while reviewing my consumer report I saw an adverse action reported by AMSHER COLLECTION SERVICES with tender owed of {$340.00} USD. This business and this account I have no knowledge of. I have never contracted or agreed to do business or accept credit from this company. The company has thus violated the following : XXXX XXXX Code XXXX ( a ) ; XXXX XXXX Code XXXX ( XXXX ) ( XXXX ) ; XXXX XXXX Code XXXX ( XXXX ) ( XXXX ) ( XXXX ) ; XXXX XXXX Code XXXX.
Consumer complaint received 2023-11-22
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. (PA)

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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (IL)

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2024-05-24
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: Exeter Finance, LLC. (TX)

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is EXETER FINANCE LLCXXXX Date of Inquiry XXXX2022. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (LA)

I was denied the loan modification because it was within 30 days of the auction. No one at the company told me that I had to submit everything before that time. I requested an extension for it to get reviewed and that was denied. How can they not tell me this whole time and still continue to foreclose on me without working with me with clear communication?
Consumer complaint received 2023-11-22
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (AL)

I, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, XXXX XXXX XXXX, and XXXX, opened two certificates of deposits, for {$26000.00} and for {$25000.00}, 14 month term, on XX/XX/XXXX. 
Today, the above two accounts matured today. One lady of this notorious XXXX bank, I am a non XXXX XXXX XXXX told me over the telephone, XXXX XXXX, on XX/XX/XXXX, that on XX/XX/XXXX, my total money for the above two certificates of deposit, would be deposited today in our synchronys high yield savings account. 
Since morning, I have been calling this XXXX synchrony bank to deposit, as I requested XXXX XXXX, my total money to our high yield savings account, as mentioned above. 
One notorious XXXX manager of synchrony bank told me at XXXX XXXX  ( eastern daylight time ), XXXX XXXX, that my total money, as mentioned above, shall NOT be deposited today. This is nothing but an illegal and Criminal act. 
Please HELP ME.
Consumer complaint received 2023-11-22
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. (MI)

I have two ( 2 ) different copies of a XXXX XXXX acct/trade with data as reported by Experian : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Both show the CORRECT last payment made for the account : {$150.00} on or around XXXX XX/XX/XXXX. A screenshot of the acct/trade with Experian taken on XXXX XX/XX/XXXX shows an incorrect last payment and date " {$80.00} as of XX/XX/XXXX " with a status update of XX/XX/XXXX. What this implies is the account/trade was CHANGED after XX/XX/XXXX in response to a prior dispute. However, the sticky information was preserved to maintain the account/trade in my Experian consumer file with false/misleading/inaccurate information. The CO annotations can only exist with respect to a Date of First Delinquency ( DoFD ). According to the Experian data, the CO status and monthly " CO '' derogatory indicators for this acct/trade shows as XX/XX/XXXX. I have Payment History reports supplied by XXXX XXXX from XXXX XXXX of XXXX for both XXXX and XXXX. Taken in conjunction wih the transaction notifications suppied to me by my financial services company, AND XXXX XXXX, it is clear the misapplication of the one-hundred XXXX ( XXXX ) dollar payment ( supposed to apply to the account/trade disputed here, XXXX ) was applied to another account XXXX. This single misapplication caused the account to be charged-off which is unfair and unlawful. Moreover, the account/trade is not being reported with maximum possible accuracy. The error on XXXX XXXX part caused the CO and thus to persist the CO payment status and/or the monthly payment history/status that indicates a CO XXXX XXXX XXXX XXXX see attached " XXXX  ). XXXX XXXX has a history of failing to correct consumer files for their student loan portfolio ( see attached CFPB XXXX XXXX XXXX " XXXX '' and see attached " XXXX '' ). Thus, the accoun/tradeline needs to be removed.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (CT)

On or about XX/XX/2023, my debit card was hacked and my account was charged 10 times in one day ( total charges {$2300.00} ). All the charges were made without my authorization to a " XXXX XXXX XXXX  '', which I have no affiliation with, nor did I ever make any transactions with this bank in the past. 

In XXXX of XXXX, when I was working on my taxes, I suddenly discovered the fraudulent transactions on my account and immediately contacted PayPal. I opened a dispute claim for each of the transactions. However, PayPal denied my reimbursement request, claiming I filed the dispute beyond the 180-day time frame. 

Paypal prides itself on its fraud detection abilities. They state, " Stop fraud early with free real-time alerts '', and " We monitor your cards 24/7 and notify you of early signs of fraud others might miss ''. 

Despite the above, PayPal never notified me ( by text or otherwise ) or warned me, despite 10 charges ( ranging from {$25.00} to over {$400.00} each ) in one day, and despite the fact that I never had any affiliation with the company. 

Because of PayPal negligence and the fact that they failed to notify me about the possible fraud, I had no way of knowing I was defrauded. 

It's true that I contacted them beyond the 180 days time-frame, but it is only because Paypal failed to : 1. monitor my account. and, 2. Contact me, as they were supposed to. Therefore ; 1. Paypal bears full responsibility for my late notification to them.

2. They should be responsible for the losses that I suffered as a result of their negligence ( not notifying me ).

3. Because of their negligence and failure to notify me, they should not use the 180 days time-frame as an excuse not to reimburse me. 

Thank you, XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (TX)

This grumbling to BARCLAYS BANK DELAWARE was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect.
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery has attempted to get me to pay a debt that I settled directly with XXXX XXXX XXXX back in XXXX. In summer XXXX, during a pandemic, they somehow reopened my settled debt with XXXX XXXX XXXX and now refuse to remove the debt from my credit report which is causing me to be denied to open other credit cards and can potentially affect my capacity to rent a new apartment.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc (UT)

After posting a complaint through XXXX they were not able to help me resolving this issue, the company keeping repeating the same statement and to me it seems that they are withholding information regarding my account. 

They keep saying that they could not verify my identity, however at no moment they requested not even copy of any documentation to prove my identity. 

They are denying access to my loan statements, they are also denying on providing a copy of my current statement so I can pay it in full, a totally lack of transparency. 

I really wish to have no business with them, although I have the right to obtain a copy of my statement and disclosed balance to pay and never hear from them again. 

I'm behind frustration as this company is the second company who is damaging my credit score. 

I receive a bunch of email and text messages and they tell me to contact them by phone, but how can I if whatever information I give to them they say they can not verify me? Insane right?! 

I just want a copy of my statement send to my address so I can pay the bill in total and end this matter permanently.
Consumer complaint received 2018-11-28
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. (GA)

I have been in close communication with XXXX XXXX  regarding the reporting and detailed erroneous information that has been applied to my personal credit report for XXXX XXXX, Equifax, and XXXX. I have received written information from XXXX XXXX  stating that they are no longer reporting ANY negative information on my personal credit report for the XXXX XXXX Credit card, XXXX Credit Card, and XXXX XXXX XXXX XXXX credit card. After receipt of this letter from XXXX XXXX, I submitted a dispute with XXXX XXXX, Equifax, and XXXX to have these accounts removed from my report as the information is no longer valid. XXXX XXXX, Equifax, and XXXX   completed the dispute within 10-15 days by only UPDATING the accounts to show as CLOSED and not DELETED. This information could not have been accurately investigated by XXXX XXXX, Equifax, and XXXX  within this amount of time and this resolution is completely inaccurate.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, someone used my name to apply with CITICARDS CBNA ( Citibank ) for a credit card. I was alerted to this by XXXX and XXXX. With the help of an XXXX Restoration Specialist, I contacted the Citibank Fraud Department, who in turn went through the process of freezing the account. I have also sent this information to XXXX and am still waiting for a response from XXXX. I have also notified my local Police Department. Everything is currently still in motion, but so far nothing appears to be out of the ordinary with my bank accounts. My restoration specialist recommended that I should file a report with you as well.
Consumer complaint received 2024-03-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (CA)

I took this loan out and asked if i ever needed to get a line of credit or a refinance if they would lift their XXXX lien on my property since this is a solar loan. I have called numerous times and have asked to speak to a manager and they say no one is available. I have sent several emails per their instruction and no reply. Because they wont remove the lien I am now being required to payoff the loan using the line of credit which is at a higher rate. The intention for this line of credit is to use to pay for my daughters college which now i will have to seek a loan at a higher rate to pay. The loan contract speaks to the lien process and them removing the lien, they stated " May '' remove lien upon request and they are saying not guaranteed. They never notified clients that they do not remove liens. This company is practicing deceptive lending practices. I have called on following dates XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24 I have emailed them as well and have tried to reach out to their leadership team via linkedin with no success. They also are reporting this loan as a mortgage loan on credit and it is not a mortgage It is a loan used for solar/home improvement.