davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (CA)

I signed up for Alphaeon 's 24-month interest plan back in XX/XX/2021 for my XXXX XXXX. After receiving my credit card, I created an account and signed up for automated payment with the expectation that at the end of the 24 months, my balance should have been paid off. 

Today, I logged into the website spontaneously to check if my balance had been paid off. To my surprise, I found my balance was {$4000.00}, which struck me as odd since my starting balance was only {$3700.00}. Over the course of two years, I diligently made payments, yet somehow my current balance exceeded the initial one. Even more puzzling, I've been accruing interest charges for the past XXXX months on what was supposed to be an interest-free credit card. 

Upon delving deeper, I discovered that my 24-month interest-free promotion ended in XX/XX/2021. The company had stealthily applied a staggering accrued interest of {$1700.00} to my account. This situation feels particularly strange because all the other credit card companies I've used for installment payments typically ensure the balance is paid off by the end of the promotional period, especially when automated payments are set up. 

After contacting Alphaeon customer service, I learned that the monthly payment I initially set up wasn't sufficient to clear the balance by the end of the promotional period. Despite explaining the situation, the customer representative informed me that the accrued interest of {$1700.00} couldn't be waived. I emphasized that this was a result of miscommunication and suggested that the automated monthly payment system should calculate this for the customer, as is common practice with other credit card companies, to prevent such oversights. However, the customer service team remained adamant and refused to take any action. 

Further research revealed that this issue is widespread among Alphaeon customers, with many experiencing unexpected interest fees totaling thousands of dollars.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2022-10-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Makes Cents, Inc. dba Advance.Cash (NJ)

I took out a payday loan with Advance cash during the Covid pandemic. I could not continue to pay it off with the high interest and high payments. The interest they charge is far above allowable usury so I am not sure how this even happens? How do I know after making payments for as long as I did is the balance higher than the original loan amount? Advance Cash sold this debt to XXXX XXXX XXXX. These people have called me, my mother and my sister and threatened to come arrest me at work. They have sent several messages about pending legal action, warrants, and asking my address to come arrest me. They have also sent several emails saying there was a warrant out for me and even used a lawfirm paper head saying i had an active case. I called the lawfirm and learned that was a lie and that these people were representing themselves using the name of a big law firm to intimidate me. Now I see that XXXX XXXX XXXX has reported this on my credit report. When will this harassment end? This cant be Ok!
Consumer complaint received 2023-09-05
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since 2021 but on my report, this is still showing. 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 XXXX XXXX customer service representative.
Consumer complaint received 2018-10-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Management Services, LP (LA)

I TOOK OUT A LOAN WITH XXXX AND THEN I GOT IN A WORK RELATED INCIDENT AND WENT ON SHORT TERM XXXX. I TRIED PAYING THEM AND COULDN'T ANY LONGER. THEY IN TERN ADVISED ME BY EMAIL THAT THEY WERE TURNING THE ACCOUNT OVER TO AN OUTSIDE COLLECTION AGENCY CALL XXXX XXXX XXXX. THEIR NUMBER IS XXXX. THEY HAVE NEVER TRIED CALLING ME BUT THEN I STARTED GETTING CALLS TWO WEEKS AGO FROM A XXXX XXXX XXXX EXT XXXX FROM A SO CALLED XXXX XXXX XXXX. THEN ANOTHER PERSON SOUNDING VERY MUCH LIKE XXXX XXXX THIS TIME NAMED XXXX XXXX. THEIR FILE NUMBER WAS FOR XXXX. THIS TIME HE GAVE ME A DIFFERENT TELEPHONE NUMBER OF XXXX EXT XXXX AND THEN I GET ANOTHER PHONE CALL FROM ANOTHER DIFFERENT NUMBER XXXX. I DID SOME RESEARCH AND ALL THESE NUMBER RING BACK TO CAPITAL MANAGEMENT SERVICES. XXXX XXXX XXXX IS SUPPOSSEDLY LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX AND CAPITAL MANAGEMENT SERVICES IS LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

I can not contact a live human. I am trying to end the forbearance of my loans but I can not contact a live person to do that. I spent 30 minutes this morning contacting the number under Public Service Loan Forgiveness - https : //www.mohela.com/DL/common/contactUs.aspx - only to learn once I contact someone that I had called the DoE. Nothing on the website informs you that you are contacting an outside agency. I was not able to contact a human using main number listed - XXXX - despite 5 attempts. I kept getting disconnected. I am unable to address my issue, this will be very costly for me.
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

In XXXX of 2018 XXXX XXXX  posted a notice of XXXX hours to vacate on my door. I complied with their written request and left the unit spotless after hiring a maid service to clean. They have said I left my lease & have posted on my credit the cost for the remainder of the lease. What they did was illegal & this debt is not valid. I was never late with payment- it was retaliatory for complaining about their property & XXXX XXXX being sold out of it by the neighbors.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (VA)

COMPLAINT No.1 : Synchrony Bank allegedly " upgraded '' its care credit card to XXXX XXXX with the assurance that their card is accepted wherever XXXX is accepted. Exhibit I is a copy of a recent chat session ( page 1 ) confirms this allegation, yet ( page 2 ) refutes this assertion and confirms my frequent issue with wrongful declinations from Synchrony Bank. COMPLAINT No.2 : Exhibit II documents a recent PayPal payment that I ordered. Although posted to my PayPal account, the disbursement was not issued. Synchrony Bank is the servicer for PayPal. This is not the first time I have experienced accounting issues with Synchrony Bank. I wrote to the Office of the President as well as to XXXX XXXX, CEO directly and there was no response or acknowledgement. Synchrony Bank 's failure to respond is not surprising. CFPB Complaint No. XXXX remains open despite their missing their XX/XX/2023 by almost a month.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

in accordance with the fair credit reporting act XXXX account # XXXX with XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 a. states i have a 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.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JTM Capital Management, LLC (IL)

I have been trying go contact someone from JTM CAPITAL MANAGEMENT , LLC multiple times but have gotten no clear answer. I called back in XXXX to settle the account and get it off my credit report and the representative said that there is no record of the account or where they may have sold the debit to. I advised that the debt and the company is still showing in negatively on my report and that I would like it removed or paid and removed. 

I called again today, XX/XX/ and left a voicemail to speak with somebody. I still have not heard back today. I just wan na get this Collections account settled and off my report please. Again it still showing a balanced due of : {$460.00} and JTM has the collection agency. 
My previous address is:XXXX XXXX XXXX XXXX, XXXX, IL XXXX. May that information will also help. Thank you
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hi. I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have 3 fraudulent Unauthorized UCC1 on my XXXX XXXX XXXX Credit Report. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these 3 Account are unauthorized and fraudulent.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC (TX)

I have received " this is a notice to collect a debt '' in regard to XXXX XXXX XXXX XXXX, informing I have/had debt with them. I requested documentation per 15 U.S Code 1681b, in which I have NEVER received any information or communication from them. I have received a judgment from Scott & Associates informing garnishment of wages, on behalf of XXXX XXXX XXXX, whom also did not send or notify me of any alleged debt. NO ONE of 4 parties, including a company of XXXX XXXX XXXX XXXX who also did not send documentation upon request. This alleged debt seems to have gone through several agencies without my knowledge from the original creditor XXXX XXXX XXXX XXXX, and now Scott & Associates are trying to collect and sue me for something I have no knowing of. Scott & Associates is also trying to collect debt on an account with XXXX, which was possibly sold to XXXX XXXX XXXX XXXX XXXX in which I had no knowing of either. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please be mindful, 15 U.S. Code 1692g-Validation of debts and 15 U.S. Code 1692e-False or misleading representations. 

The following bureaus XXXX, XXXX, and XXXX are also in violation of my rights due to furnishing such information upon not verifying in due of the proper channels and procedures. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) and 15 U.S. Code 1681e ( b ) accuracy of report. 

All parties will be mentioned in regard to the appropriate account number/info I have thus far. Upon listed on my credit report.
Consumer complaint received 2023-08-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent numerous letters to credit bureaus asking for method of verification of items disputed and they have failed to send to me. Your reporting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned disputes. 

XXXX XXXX XXXX XXXX ACCT # XXXX XX/XX/2019 {$37000.00} This account is reporting inaccurate information and amount I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to at as part of this investigation. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate errors. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AL)

On XX/XX/2022 I called my student loan service provider, Edfinancial Services, to initiate a student loan refund for the amount of {$15000.00}. The amount requested was the amount I have paid since the beginning of the Student Loan Forgiveness timeframe. I requested a refund and a reinstatement of {$15000.00} to my loan balance. They initiated the refund request and said it would take 4-6 weeks for the loan balance to be reinstated and the refund request to go through. They informed me that the refund would be processed and returned through my checking account since that was the payment method used to pay off the loans. 

On XX/XX/2022, I called my student loan service provider to ensure that a refund request was initiated. They informed me that it would take another 6-8 weeks for the refund request to be processed and the loan balance to be reinstated.
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (IN)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2024, I requested a fraud alert be placed on my credit report/profile through Experian. I had found out my personal information has been compromised through the XXXXXXXX XXXX XXXX data breach and possibly other company data breaches. 

I successfully requested the fraud alert and when notified that the fraud alert had been placed on my report, I reviewed the message on the alert. The alert requested any potential credit issuers verify with me through a phone call before extending any credit. However, THE PHONE NUMBER WAS WRONG. Someone at Experian inputted the wrong phone number as it is off by 1 digit. This must have been a manual typo/mistake, because the correct phone number is referenced throughout the rest of my credit profile. The fraud alert had additional grammatical errors in it as well, but the fact that they had an incorrect phone number was the most concerning aspect. 

I was notified on the credit report that I could not request a change to the fraud alert online and that I had to call customer service. 

Well, the customer service phone number is manned by an automated attendant. The automated attendant would not recognize my request to change a fraud alert. It would only allow me to add/lift a freeze or add/remove a fraud alert. It would not allow me to reach a customer service representative. So, I had to WRITE A LETTER and send it via surface mail, quite possibly the most inefficient manner of communication in modern times, to fix a problem CREATED BY Experian. 

THEY SHOULD NOT BE ALLOWED TO BLOCK CUSTOMERS FROM REACHING A HUMAN BEING REPRESENTATIVE. Experian should be held accountable for its actions, especially concerning the extremely important and personal information to which it has access and controls. This is unacceptable and just ONE MORE example of how large companies have NO ACCOUNTABILITY.
Consumer complaint received 2023-07-20
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. (FL)

these items are inaccurate and that you violated the FCRA by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I am sure this is one of many complaints, but this has been so outrageous and taking a huge toll on everyone involved.

PLEASE HELP US DEAL WITH MOHELA!! NO ONE can get through!! I have called for days straight and I am on hold for 2+ hrs plus!!! I can't get through and I am not the only one. This is absolutely unacceptable - we were all students and working to pay/deal with our loans. I am a working public servant - I serve my city. PLEASE hold MOHELA accountable for what they are doing, this is not right. We did not choose for our loans to be transferred to them. I am extremely worried and concerned for my loans and all those involved. 


They are purposely judging calls and not answering so that they can profit off student debt!!!
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NJ)

On XX/XX/XXXX, at XXXX XXXX I went to XXXX in XXXX, New Jersey. On route XXXX I went to withdraw {$390.00}. That ATM charge me {$390.00} with the ATM. Fee the ATM then said cash dispersement error and no money came out. The money came off my account. I then went to call XXXX and they said to call the card. The card I was using was a Cash App card. They said I had to call Cash App for them to dispute the withdrawal. I then went to Cash App. Had them disputed. I was denied my dispute and they said I have to contact XXXX I contacts XXXX again. They said contact Cash App. I contact Cash App again and dispute it again. I have them send me their investigation results. And they sent me just a picture of with my name on it and a withdrawal amount. And I said I got the money but I never received the money. So I'm out of {$390.00} and I don't know what type of investigation they did. Of course, the computers gon na say I got the money because it came out of my account if they did a proper investigation like have the ATM audit their machine if they. We'll see that it's XXXX extra dollars in the machine. If they would have the ATM look at the camera, they would see that I did not receive any money out of the ATM so I don't know what to do. I'm just out of {$390.00}, and neither company is willing to give me my money.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've attempted to contact the reporting agency several times over the past year. XXXX XXXX XXXX has been incorrectly reporting a collection account and the agencies refuse to verify and validate the account.
Consumer complaint received 2023-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

The bank that my husband owned they trying to make me pay for it because I was just a card holder never signed anything the wouldnt even give me credit and the reason the trying to make me pay cause my husband passed away in XXXX of this year it Care credit Synchrony Bank