davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
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. (CO)

I am writing to bring to your attention to a billing discrepancy based on the interest charged on my XXXX XXXX XXXX Bank credit card listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided my accounting for XXXX of the billing cycles, which show discrepancies between the average daily balance and interest rates calculated. 

The average daily balance for each billing cycle was calculated by adding up each end of day balance in the billing cycle and dividing that amount by the number of days in the billing cycle. 

The details of the discrepancy are as follows : The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$12000.00} APR : 15.99 % Average Daily Balance ( ADB ) : {$12000.00} ALLEGED ADB : {$12000.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$170.00} ERROR ALLEGED INTEREST : {$170.00} ============================================= XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account statement has a discrepancy as follows : Starting Balance : {$980.00} APR : 15.99 % Average Daily Balance : {$2500.00} ALLEGED ADB : {$2400.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$33.00} ERROR ALLEGED INTEREST : {$32.00} ============================================= The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$6100.00} APR : 15.99 % Average Daily Balance : {$6800.00} ALLEGED ADB : {$6900.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$89.00} ERROR ALLEGED INTEREST : {$91.00} ============================================= The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$11000.00} APR : 15.99 % Average Daily Balance : {$11000.00} ALLEGED ADB : {$11000.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$150.00} ERROR ALLEGED INTEREST : {$160.00} Upon a thorough review of my billing statements, I noticed a significant discrepancy between the alleged interest charged and the interest I expected based on the provided information. The interest on numerous statements I calculated using the data the furnisher provided differs from the amount claimed. To assist you in your verification of my calculations, I have attached copies of the relevant billing statements and calculations for your reference. 

Due to these accounting/computation discrepancies, all of the balances listed on this account are inaccurate and unverifiable.
Consumer complaint received 2022-12-08
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 submitted a letter to Equifax dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX
Consumer complaint received 2024-05-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (OH)

I noticed XXXX derogatory marks on my credit in the amount of {$510.00} I found out they were from XXXX XXXX to whom I had to take my XXXX  We have always had medical coverage so I automatically knew something was wrong. I called my XXXX XXXX  and they started a complaint. They told me I need to call the debt recovery company and give them permission to speak to XXXX who is my medical provider company who sent me the letter is debt recovery solutions they are trying to give me a discounted offer the original bills are both for {$510.00} for a total due of {$1000.00} They told me I can settle this by XXXX XXXX for {$610.00} I do not owe this. I have always had medical and so have my XXXX. My medical provider said that this is very common because it was under my XXXX. They are trying to be sneaky and collect this debt, I was told by my medical provider to file a fraud claim through you guys account number for this situation is XXXX, The service date was XX/XX/XXXX XXXX XXXX XXXXnd again on XX/XX/XXXX of XXXX which is also wrong. My XXXX was only seen once for this.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2023, I went to the XXXX XXXX XXXX at XXXX XXXX in XXXX to pick up my prepaid mid-size SUV. When I got there, the place did not have any mid-size SUV. The booking reference number is XXXX and I prepaid {$440.00} USD with my Capital One Visa credit card. XXXX had committed to provide me with a mid-size SUV, but they did not provide the vehicle because there was none available. 

I was left to scramble and find another vehicle. I was able to take an XXXX from XXXX XXXX to XXXX XXXX XXXX where I was able to secure a mid-size SUV. 

After the trip, I open dispute case XXXX with Capital One to get a refund on my prepaid vehicle, but my dispute was denied because an employee at XXXX had change the record to say I was a " no show. '' I was not a " no show '' and definitely went to the location to pick up the vehicle. 

I have records that show I was in the vicinity and I needed a car. Please see the attached XXXX receipt from XXXX XXXX and my car rental agreement from XXXX XXXX XXXX. If I was in the vicinity and I needed a car, there is no reason for me to not show up, only to go get a more expensive vehicle at the airport. 

Capital One refuses to continue with the dispute unless I can provide a cancellation receipt. I do not have a cancellation receipt as I did not cancel. It is the car rental company that did not provide the service that they had promised.
Consumer complaint received 2018-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (SC)

In XX/XX/2010we purchased a vehicle financed through this company. We believe that we were unfairly taken advantage of. The interest rate was way too high. The cost of the vehicle was $ XXXX, by the end of the term we will have paid this company $ XXXX but I have a balloon payment of $ XXXX left at end of term that the company says comes from interest that they are willing to refinance at another ridiculous rate. At this point, I am ready to take legal action against this company. This was a shark loan from a company with immoral business practices. I see where they have had class action suits taken against them about the same unfair practices. I would like to open another class action suit against this company to give some relief to people that may be in the same situation with them.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (VA)

I've received a notice from PAM ( Professional Account Management ) a few weeks ago. I believe they are a debt collection agency for the XXXX XXXX XXXX. I've never received the statements from XXXX XXXX XXXX so I assume they went to PAM. I went ahead and called the customer service number XXXX and nobody from that number picks up so I ended up paying a few weeks ago. However, I've just received another notice so I decided to contact the number again. Same issue where I am just on hold with nobody to answer my questions on the transactions. I'm able to login to their website XXXX XXXX XXXX 
I don't want to double pay or I'm not sure if this is a scam. Please assist! 
Thank you.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-03-13
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. (NC)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-08
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-04
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NV)

Received a call on XX/XX/XXXX from ERC debt collector. They said I owed {$2000.00} and the debt was from XXXX XXXX XXXX XXXX. The debt was from XX/XX/XXXX. This was the first I was hearing about it. I also called the XXXX XXXX XXXX fraud dept to report this and completed the forms. 
I let them know this was not my debt, the name on the debt was in my maiden name. 
Last year someone used an ID with my maiden name and opened a XXXX acct and a XXXX account as well. They attempted to open an account and purchase phones at XXXX in XXXX of XXXX, but because I am a XXXX customer they called me to see if I was in the store purchasing phones and I let them know I was not. They informed me someone was in the store using an NV driver 's license with my old name and also an old address of mine and my SSN. The DL number did not match however
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (FL)

I have disputed this account several times and the last time was XXXX XXXX. I was told if I paid this account off in full this account would be removed from all XXXX consumer reporting agencies. The balance is XXXX but its still reporting and when I spoke with the representative years ago I was told it would be removed thats why I paid the debt in full. I feel this was misrepresentation and illegal if they did not hold up their end in removing the debt like they said they would.
Consumer complaint received 2023-09-03
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. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$16000.00} XXXX
Consumer complaint received 2024-05-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

On XX/XX/24 I called to ask questions about my mortgage payment. Earlier this year I was notified after my annual escrow analysis that my mortgage payment would increase to account for shortage. Also, that my shortage would be spread over 39 months. Apparently, an email was sent notifying me of a change of policy in regard to shortages. The company will no longer extend payments beyond 12 months. I have not agreed to paperless documents from my mortgage company. So, my phone call was to understand what changed from previous escrow analysis. The customer service rep was unable to transfer me to a supervisor. Apparently, the email sent by company was to inform me of a 4-month repayment of shortage if no response was given indicating otherwise. My problem is that I never received this email, there is no read receipt from the mortgage company. It is unreasonable to default my payment of shortage to 4-months, I believe I should have been given the option to pay shortage entirely or over 12-months. I was unable to elevate my concerns to a supervisor because no supervisor was available.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Levy & Associates, LLC (OH)

We paid an outstanding credit card debt of my husband 's through a garnishment which was paid in full on XX/XX/XXXX. We received a notice on XX/XX/XXXX that the attorney failed to collect all of their fees during the garnishment, that stated an additional {$270.00} was due. 

I went online XX/XX/XXXX when I received the notice and paid the additional funds on the attorney 's website. On XX/XX/XXXX we received a letter from the attorney stating the account was paid in full. ( XXXX attached ). 

Then yesterday, my husband found out that his weekly paycheck was garnished for {$170.00} and is intending to take the remaining of {$100.00} from his next paycheck. We immediately attempted to contact the law firm. When you choose the selection for " consumer '', it keeps you on hold, then tells you to leave a message. I called multiple times, never being able to reach someone. I attempted to send a message through their website portal. It will not go through - continues to show as an error in sending. I finally called and pressed the button for " attorney/court '' and someone answered immediately. When I attempted to explain the problem, they transferred me back to the consumer voice mail. 

They have fraudulently taken money from my bank account that has already been paid to them, and will do so again next week. I can not get anyone to talk to in order to stop it and get a refund of the money they fraudulently took from my account.
Consumer complaint received 2023-09-12
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. (NY)

I DO NOT ACKNOWLEDGE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
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: EQUIFAX, INC. (NY)

I DO NOT ACKNOWLEDGE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I disputed a purchase i made at food 4 less. Super market the bank declined on. Reimbursing me with the funds. That came from my finances $ account. No good cause or legitimate explanation was given to me.The items i tried returning. I do in fact have a receipt in my possession.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

An individual using the name XXXX XXXX has been fraudulently using my address to apply for credit cards ( XXXX XXXX XXXX accounts ) and to dispute credit reports with XXXX. Despite my report to XXXX of this activity, this individual was successfully issued a credit card from XXXX. I have reported this to the security offices of both Chase XXXX and XXXX. The first indication was a letter XX/XX/2024 from Chase declining credit card approval, then XX/XX/2024 another decline for a second credit card request, then follow up letter XX/XX/2024 stating someone may be using XXXX 's identity and declining his application. I had reported this fraudulent activity to Chase by this time and this letter was likely due to my phone call to Chase informing of this fraud. Then XX/XX/2024 and XX/XX/2024 letters from XXXX to XXXX came to my address about investigating disputes to his XXXX 's credit and approving the deleting of record requests from XXXX XXXX and XXXX XXXX XXXX. I called XXXX for help and they said all I can do is put a fraud alert on my own account but there was nothing I can do about someone using my address for credit reports and that they couldn't investigate this fraudulent action. Then XX/XX/2024 a latter from Chase XXXX came requesting documents to approve XXXX 's credit card request. I called Chase XXXX XXXX again to warn them that someone has been trying to open a credit card with them using my address. Depite this call, a credit card arrived in XXXX 's name on XX/XX/2024. I reported this to Chase XXXX XXXX immediately. Chase XXXX XXXX issued a credit card to an individual named XXXX XXXX and credit cards arrived to him arrived in the mail to my address despite my calls warning them of this fraudulent activity.
Consumer complaint received 2023-09-12
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. (VA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-12
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. (VA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-14
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: ENOVA INTERNATIONAL, INC. (MO)

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.