davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (GA)

I called Big Picture Loan around XXXX the XXXX cause my mommy passed suddenly on XXXX the XXXX. She had no life insurance. After my mother died I was trying to pay for funeral and struggling financially. I called Big Picture Loan and tried to work out an affordable payment plan and was denied a payment plan. Was told I wasn't behind on my payments and they couldn't help me until my account defaulted, I at that time revoked ACH authorizations by Big Picture Loan. When my account defaulted they added late fees and interest to the loan. I borrowed {$750.00} on XXXX the XXXX nd of 2021 made XXXX payments of {$100.00}. annual yearly rate 345.09 % finance charge {$2000.00} amount financed {$750.00} after all payments made amount that I would have paid {$2700.00} I am now aware that Big Picture loan could be issuing loans in Georgia illegally and have faced class action lawsuit for high interest rates in other states. Big Picture Loans, an online installment lender, has agreed to pay {$8.00} million to end class action claims. 
https : XXXX
Consumer complaint received 2020-12-29
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: ENCORE CAPITAL GROUP INC. (NY)

There is a fraudulent Midland Credit Managment Co on my credit. I have paid this collection despite it being not mine as the company promised to remove this account from my credit. This account is continuing to report on my credit despite being fraudulent.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

I Put through a Claim for XXXX that hit my account! that I never Authorized, They Don't Have My Signature, They Don't Have Verbal or Written Authorization to Pull Money From My Account! Nor ' Do they Have Proof as Such ' As I Have Never Provided It!! Wells Fargo is Supposed to be FDIC Insured and Follow Those Rules and Regulations!!! They after 30+ days are Fraudulently taking the money out of my account after a Bogus Claim, put through that Wells Fargo did! I Have Had Three Claims With Wells Fargo All Three Have Resulted in Wells Fargo Taking Money Out of My Account!! They are Abusing the FDIC Rules by giving temporary credits and taking them back after 30+ days!!! They are Doing this Across the Board with All of their Customers, This needs to Be Investigated on the Consumer Level!! When they Don't Have Proof of an Authorized Debit because it was Never Authorized yet ' refuse to Credit the Money Back they are not Following FDIC Insured and the Fraud is at the Bank Level!!! By the Way I Used to Work for them Now they are Saying Board Down ' Not to Hire XXXX  XXXX  People ' Any Wonder Why The Bank Has Tanked So Far!!! Lawsuit over Lawsuit, w/ some now of XXXX profiling and discrimination against innocent XXXX  XXXX  People!! Absolutely Disgusting!! Consumers ' Stay Away!! Lawyers Dig In '!! A Lot of Settlements Going Out!! & There Market Share has Dropped from XXXX $ to XXXX in XXXX Alone!!
Consumer complaint received 2020-12-29
Product: Credit card or prepaid 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 (FL)

On XX/XX/XXXX, I initially called XXXX, who was referred to me by a friend as a XXXX  of XXXX XXXX. I had a XXXX  XXXX XXXX XXXX, which had shifter issues. XXXX did not answer after my first call, so I wrote a text introducing myself and the type of car that I needed to be fixed. He replied that I could tow the car to him, so I sent him the car on the evening of Tuesday, XX/XX/XXXX. The next day, I made sure that XXXX had received the car. He said he knew the issue well and knew how to fix it, and that the charge would be {$250.00}. After 13 days, on XX/XX/XXXX, I asked him about the status of my car, as it had yet to be fixed. He replied that he needed a new shifter, and I told him that I had a shifter that I had purchased from XXXX in the past, but he later called and said he had fixed the shifter that was on the car already. On XX/XX/XXXX, : XXXX said that the car was fixed, so I picked it up and payed {$650.00}, {$400.00} more than the initial estimation that XXXX said he was sure about. The next morning, my wife was driving the car to work, but after the car started presenting the previous shifter issue, which was supposedly fixed, she was forced to pull over on the XXXX highway. I contacted him afterwards, and he told me that I should tow the car back to his shop. I towed the car back to : XXXX on XX/XX/XXXX. He asked for an additional {$1500.00} on XX/XX/XXXX for other parts which he had thought were the cause of the problem. I told him to not touch the car and sent the tow truck to pick it up. After receiving the car, it was driving worse than it was prior to going into the mechanic. It could not shift, had transmission kick, and also the engine light was turned on. Not only did he not fix the problem, he also charged me for a service that he did not provide, and he made the car undrivable, a state much worse than it was driving prior to going to his shop. I am disputing this transaction due to the faulty service provided by the mechanic. 
XXXX XXXX XXXX
Consumer complaint received 2020-12-29
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. (NY)

Please remove the fraudulent account XXXX Account # : XXXX as I have no knowledge of this account due to the XXXX  data breach/identity theft. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please block this information from my credit report and send the required notifications to all furnishers of this information.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX XXXX  card owned by Comenity Capitol Bank has consistently charged a {$29.00} late ( which will go up to {$41.00} XX/XX/XXXX ) when I make my payment online on time. They send the statement out 30 days in advance but dont allow you to make the online payment until 2 days prior to the due date which is the XXXX of each month. This is totally unethical! They also charged me a {$29.00} late fee for missing a XXXX payment which was indeed made XX/XX/XXXX but did not reflect on my XXXX statement. Ive spoken with Comenity and they admit they send the statement out 30 days early but only allow online payments to be processed 3 day prior to due date which makes than automatically late!
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 TransUnion subtracted 48 points from my credit score because of a remark that was added by XXXX XXXX. That remark was immediately removed from my TransUnion credit report the same day by XXXX XXXX but TransUnion failed to restore and add the 48 points back to my score. 
XXXX did the very same thing on XX/XX/2020 for 24 points and failed to restore and add the 24 points back to my total score. I have submitted complaints to both credit reporting agencies in writing to no avail. It's hard enough making the effort to raise your score then to have the actual credit reporting agency remove points so that all the companies out there and the underhanded finance system can continue to exploit the majority of people with high interest car loans and little to no capital payoff amounts. And are they supposed to do any of this during Covid-19 pandemic. If I can I would like to sue them in a court of law.
Consumer complaint received 2020-12-29
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: EQUIFAX, INC. (GA)

Sent a dispute letter for several accounts to Equifax on or about XX/XX/2020. Received certified return receipt stamped received XX/XX/2020. It is now XX/XX/2020 and I have no received a report or status. Contacted Equifax to day via phone to inquire and ask that they remove disputed items and they refuse, even though they verified receiving my dispute letter. Instead the offered to start another dispute and to completely disregard my initial dispute. ( FCRA ), 15 U.S.C. 1681 et seq. / FCRA Section 623 states if info can not be verified as accurate etc within 30 days it must be deleted. Its been over 90 days, the items I disputed should be removed.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I received a targeted email promotion from PenFed.org for opening a checking account with my stimulus payment. Successfully opened the account and met all conditions but the checking account was never credited {$200.00} for opening account promotion as advertised by targeted email on XX/XX/XXXX. 

After meeting all conditions for the promotion, specifically the 90 days post deposit, but not receiving the funds, I called in to inquire about said promotion. Was told in late XXXX, on a phone call to Penfed, that I did meet all said conditions but they would get back to me on why I didn't receive the funds yet. 

With no communication from Penfed for almost a month, I called again and spoke with XXXX on XX/XX/XXXX at XXXX ( case # XXXX ) and was told the promotion was cancelled before I opened the account ( but within the eligibility of the original targeted promotion ). 
I then asked if the promotion was cancelled why was I still allowed to open the account with the specific targeted link. XXXX had no answer to the question. To further the point of the targeted link, when I click the link now, it states the promotion is no longer eligible. Thus, they fixed this after the complaints were lodged. 
XXXX said this was final and hung up.
Consumer complaint received 2020-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

I was contacted by Wakefield and associates on behalf of XXXX XXXX XXXX regarding a bill for {$170.00}. The bill is dated XX/XX/XXXX. I was first contacted by phone XX/XX/XXXX. this contact was made by Wakefield associates and I explain to them the bill is not me. Ive never been two or heard of the people they represent. At the time theyre claiming the service I was hospitalized at XXXX XXXX in XXXX Illinois with an XXXX after a XXXX  XXXX on my left hand. I was at XXXX for three weeks. It is impossible for me to even been where they claim to generate the charge. I explain this was identity fraud and they were not willing to help and correct their problem. I have fraud alerts and all three credit bureaus dating back to XXXX. Wakefield associates has refused to correct their records. That is why I am filing this complaint on top of my alerting all three credit bureaus of the new fraud.
Consumer complaint received 2020-12-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company (CA)

I am writing in regards to a late payment on my credit report from for XX/XX/XXXX on my Freedom Mortgage account # XXXX opened XX/XX/XXXX, highest balance {$420000.00}. The late payment occurred due to a third-party error. ( See Attached proof ) and my medical condition that its been really difficult, especially by XX/XX/XXXX.

On XX/XX/XXXX, I received a payment confirmation from this third party company stating that my payment was successfully submitted. Beginning XX/XX/XXXX, I received a letter from the third-party company stating that they committed an error and my payment did not go through. Before this, I was not even aware that my account was carrying a balance and had a late payment. I immediately made the payment on but by that time I was already marked late. 

All this happened along with my medical condition. I had XXXX XXXX diagnosis and I was under treatment and I didnt have a job. It was overwhelming. This was a situation that I could not control. Now I have a perfect record of on- time payments. 
As a courtesy, I am requesting that Freedom Mortgage do a goodwill adjustment and remove the late payment from my record. You have been my bank for a long time, and I hope to continue having a wonderful relationship with your company. 

Thank you for your consideration. See attached : Medical proof
Consumer complaint received 2018-03-01
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (AR)

Dispute is with Barclays Bank Delaware Upromise credit card. I Purchased a deposit for a sailboat charter XX/XX/XXXX for {$940.00} with balance completed on XX/XX/XXXX of {$2900.00} totaling {$3800.00}. Charter was cancelled due to hurricane Irma and merchant did not want to refund so credit card company credited account on XX/XX/XXXX. Merchant ended up refunding {$3800.00} on XX/XX/XXXX so account was overfunded. XX/XX/XXXX credit card company rebilled {$3800.00} balancing the account. XX/XX/XXXX credit card company rebilled again but the amount of {$2900.00} and then credited back the amount {$2900.00} on XX/XX/XXXX once again balancing account. XX/XX/XXXX the account was credited again for the amount of {$2900.00} leaving the account overfunded. On XX/XX/XXXX the account was billed not once but two separate charges of {$2900.00} totaling {$5800.00} leaving the account negative {$2900.00}. I have placed multiple calls and waited for call backs or any corrective measure to be taken. As of XX/XX/XXXX I have not had this issue resolved.
Consumer complaint received 2024-02-22
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-29
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. (TX)

Please be advised this item of XXXX XXXX XXXX was deleted from my equifax credit file back XX/XX/XXXX due to fraudulent activity. 
Now i have discovered that this item has been reinserted on my credit report as of XX/XX/XXXX. 
In accordance with the requirements of the FCRA section 611? ( a ) ( 5 ) ( B ) ( ii ), Equifax is required to notify me of the reinsertion in writing within 5 business days. I received no such notification. I am demanding that Equifax delete this item immediately. This is a very serious violation of the FCRA. 
Your help is appreciated
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

In XX/XX/XXXX I contacted AmeriSave Mortgage. I was contacted by an agent by the name of XXXX XXXX and proceeded to fill out their online documents and provide them my credit rating from all three agencies. I paid them {$500.00} to have my home appraised in my attempt to refinance.I was told I would receive a rate of 2.5 % fixed fee with no points and that my total " all in '' would be you approximate {$4000.00}. 

I was attempting to refinance my home with the maximum amount available, {$520000.00} at the time, without becoming a balloon type of loan. My home appraise for more than four times that amount. All credit bureaus reported excellent credit. I've lived in my home for 20 years.I showed other assets capable of playing the loan at any time. 

We are now moving into XX/XX/XXXX I have yet to receive a locked-in rate or closing date for this mortgage refinancing. 

I am concerned that this is nothing more than a boiler room operation marketing itself as a " digital mortgage company ''. I became concerned in XXXX when I had filled out all the documents only to be asked for the same documents. 

I contacted XXXX XXXX and asked him what the delay was. He indicated he didn't know but his computer told him it was something to do with the title and he would get back to me. He never has! I've since asked for my {$500.00} back. I have not heard anything concerning that request.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, 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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Consumer complaint received 2024-02-22
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. (CA)

XXXX XXXX XXXX violated my rights In accordance with the Fair Credit Reporting Act, under 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 an account without my written instructions. XXXX has also violated the California Consumer Privacy Act ( CCPA ) by violating my right to delete, my right to opt out, and my right to limit. I provided XXXX XXXX ( XXXX ) notices exercising my rights under FCRA, FDCPA, and CCPA and they continue to recklessly and negligently violate my rights. XXXX also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies ; namely, Experian and XXXX. XXXX has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's XXXX prospectus. However, XXXX failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. They also fraudulently filed a UCC-1 in Placer County , in the state of California without proper notices being sent to me according to California law and their own contract and installment agreement. Lastly, I sent to XXXX a properly indorsed and endorsed note, giving it value, for XXXX to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from XXXX. XXXX is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (NJ)

This company called me in XXXX of XXXX and claimed that I have a debt for about {$1800.00} for tuition charges from a school I attended years ago ( prior to being married ). I was unaware of the charges and why I was being charged this amount from them and asked if there was a breakdown that I could be sent. The only & last phone call I received regarding this was in XX/XX/XXXX. I did not receive anything from them since. 

Today ( XX/XX/XXXX ) my husband received a phone call regarding the account charges and he was called 23 times BACK TO BACK. Our phone automatically blocked the call as a scam likely but they did notify us that they attempted to call with the time and phone number. My husband called the number and were told that they did not contact him but we have proof that they did. The employee continued to deny the phone calls until my husband ( who is a XXXX XXXXXXXX ) told them he would be filing a harassment report against the company. The employee than admitted to contacting him regarding my own personal account and continued to disclose my own personal information and why they were calling ( without my permission ). 

My husband was not on any of my contact numbers for school back than because I did not know him at the time. we have no idea how they would have gotten his phone number. I know it is illegal for them to disclose any of my personal information to anyone besides me if I don't allow it as well. We would like the company reported for harassment and for disclosing my information without my consent to an uninvolved party. I have attached screen shots of the calls to prove this. Thank you!