davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-09
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. (MN)

The following accounts are lost/stolen and fraudulent charges and transactions are on the accounts : XXXX XXXX, {$3400.00} and XXXX XXXX XXXX, {$1400.00}. The following accounts are fraudulent, unauthorized and not my accounts : XXXX XXXX  XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX VISA, {$270.00} and XXXX XXXX XXXX XXXX, {$30000.00}. The following credit inquiries are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX ( XXXX XXXX ),  XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX
Consumer complaint received 2019-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company:  Lippman Recupero, LLC (AZ)

XX/XX/19 - I received a letter from Lippman Recupero stating that an amount of {$3700.00} is owed to creditor XXXX XXXX XXXX XX/XX/19 - Certified mail received by Lippman Recupero requesting the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

XX/XX/19 - I received a list of charges on a move out statement. No additional information was provided XX/XX/19 - Certified letter delivered requesting additional information as no questions asked were addressed XX/XX/19 - I received the same statements of move out charges. No additional information was provided
Consumer complaint received 2019-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

Was purchasing XXXX XXXX Tickets from a XXXX XXXX XXXX on XXXX we discussed for about 30 minutes. She was transferring the tickets to my XXXX, I sent her {$100.00}, {$100.00} after fees to her PayPal at XXXX. As soon as I sent, she blocked me on XXXX and messenger, and never sent the tickets. I am attempting to get my money back as I was scammed and did not get my tickets.
Consumer complaint received 2019-11-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (VA)

On XX/XX/2019, I spoke with a representative from CASHNET USA where I was informed there was an outstanding balance of {$360.00}. I informed the representative that I just started working again and asked whether I could split the outstanding balance. I was informed that I could. I agreed to make two payments - one on XX/XX/XXXX ( my first payday ), and the balance on XX/XX/XXXX. I also agreed to pay {$540.00} on XX/XX/XXXX. On XX/XX/2019, CASHNET USA sent me a confirmation email with incorrect information. ( See the message below which I cut and pasted. I will also forward the original message under separate cover. ) On Monday, XX/XX/XXXX I called CASHNET USA at about XXXX XXXX to say that their email had misleading facts and wrong amounts. The representative ( male ) stated he understood the error, he would bump the issue up to a manager/supervisor, and the manager/supervisor would be calling me back that evening. No one from CASHNET USA called me back. I called again on XX/XX/XXXX at about XXXX and spoke to a female representative who informed me that not only do I owe {$540.00}, but an additional {$180.00} along with {$360.00} were all to be withdrawn from my account on XX/XX/XXXX. I tried to impress upon the representative that I would need to get this matter corrected immediately especially since the withdrawal date would be the next day. The representative told me that the issue would be referred to a manager/supervisor and that person would be calling me back that day. Since I had not heard from anyone at CASHNET USA for several hours after my call, I called my bank and asked that an immediate HOLD be put on all payments from CASHNET USA. On XX/XX/XXXX the following amounts were withdrawn from my account ( I receive Social Security ) : {$540.00} + {$180.00} + {$360.00}. = {$1000.00}. I was also confused about the arbitrary amount of {$180.00} and what was that amount based on. How unconscionable was this act from CASHNET USA, not to mention how devastated I was on account of its actions? 

I would like CASHNET USA to ( 1 ) honour the initial payment arrangement, which is {$180.00} to be paid to them on XX/XX/XXXX and {$180.00} to be paid on XX/XX/XXXX. ( 2 ) Since all this money was incorrectly taken from my account, I could incur overdraft fees totalling {$140.00} and request CASHNET USA to accept the XX/XX/XXXX payment of {$400.00}. 

I have been in communication with CASHNET USA when I lost my job and I never shirked my responsibility towards these payments.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (UT)

I received a denial letter in the mail for a credit card that I never applied for. The letter came from Comenity Capital Bank in XXXX Ohio and although it appears to look legitimate I know it is not. Upon further review you can definitely see that the letter looks very fraudulent. It looks like it is phishing for information from me and a lot of the words are misspelled. The reason for the denial is really odd as it states : Here are the reasons for declining your request : Lack of real estate Too few accounts paid as agreed Too few bank cards with high credit limit Too many inquiries I dont know about you, but if you are anyone with intelligence who has applied for a credit card and been denied before, these are none of the reasons that they deny you. They usually deny you for reason like delinquent accounts, not enough credit history, too much debt, not lack of real estate or not enough bank cards with high enough credit limits. When I read through this I knew this was not a legitimate denial letter. 
I dont recall applying for a credit card named XXXX XXXX XXXX I am in the process of paying off my debt so it doesnt make any sense. If you will also notice XXXX is misspelled and should be spelled XXXX. So I want to report this because if someone didnt know any better they would have fallen for this misguided attempt at a denial letter. The concerning part is they have pulled my credit score and attached it to the letter so they have to have access to my information somewhere. Do people really have nothing better to do with their time?
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion refuses to give me a copy of my credit report. There's a lot of false, fake, incorrect information inside the " Personal Information '' section of my credit report. TransUnion refuses to give me a copy of my credit report, and refuses to remove the false information, and refuses to update my personal information. I am especially concerned about the fake address on my credit report. I have never lived in XXXX, Tennessee, and that address is listed on my credit report. TransUnion refuses to remove that address. I want to find out the full details about who put the XXXX address on my credit report. I want to emphasize that TransUnion has refused to give me a copy of my credit report for more than 10 years.
Consumer complaint received 2024-03-16
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 (FL)

I have ONGOING services with a website developer in California named XXXX XXXX XXXX. I paid for XXXX transactions each for {$1200.00} totaling {$2500.00}. XXXX was made on XXXX XXXX and the other on XX/XX/XXXX. XXXX was for an XXXX & XXXX mobile app for my online webstore. The other was for website maintenance for 3 years ending in XXXXThey were to complete the XXXX  in 3-4 months ( XX/XX/XXXX ). Every time I contacted them they asked me to be patient and it will get done. By XX/XX/XXXX I asked for a refund leaving over XXXX messages that no one would answer. The other payment for XXXX XXXX hasn't been maintained until XX/XX/XXXX. There's a XXXX ( XXXX ) number that's on my website I have no access too, my website was dismantled, so I wouldn't know if a sale was made, i can't access my social media or pages my administrative pages. A website newsletter I have no access to, and there are errors that haven't been fixed after several attempts etc. I made a report with the California attorney generals office ( where the company is located ), the XXXX, FTC and the Florida Attorney generals office ( where I reside ). All of which found in my favor for a refund, and all were ignored by the company when they contacted them. The FTC instructed me to contact my credit card company to get a refund. I did, and filed XXXX disputes. XXXX in XX/XX/XXXX and XX/XX/XXXX. A senior account manager said I should be refunded, but her boss said that there's a 60 day policy to issue refunds and it falls outside of the 60 days. I explained that these are ongoing services and and it takes several months to build a online mobile XXXX. They declined to pay me back twice. Capital One is a XXXX XXXX dollar revenue company ( per their XXXX business profile ), and I'm struggling in this economy living paycheck to paycheck. Capital One needs to refund me. Please help me. Thank you.
Consumer complaint received 2022-04-21
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: Credence Resource Management, LLC (TN)

In accordance with the fair credit reporting act 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.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion is reporting inquiries on my credit report that were not authorized and were performed when there was an active credit freeze in place. 
I did not apply for a new credit account with this requester I didnt authorize the credit inquiry ( s ) Each inquiry occurred without my knowledge. 
Each inquiry occurred without my written approval.
Consumer complaint received 2019-12-02
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. (MO)

I sent a letter to XXXX XXXX for method of verification for a bankruptcy they are reporting. I sent a letter XX/XX/2019. I will attach at the end. I called and spoke with a rep and she reassured me they have until XX/XX/XXXX to send me a letter with the information. She told me the investigation team goes to the actual court and request the info. I received a letter in the time being from Missouri courts stating they do not report info to XXXX XXXX nor the bureaus. This is a violation of my rights on all levels. I asked them to remove from my file due to the fact that they can not validate the false information they have sold about me. This is unfair. Please assist me with this complaint. I asked them to send all documents used to verify this info and all methods they used since i have THE RIGHT TO OBTAIN THAT INFO
Consumer complaint received 2019-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc. (ND)

On XX/XX/2019 I received an email alert that there was some activity on my credit report. When I checked the report there was a derogatory account from US Collections West out of XXXX AZ. I never received any paperwork from them until after I contacted them. They stated that it was an account from XXXX  XXXX XXXX XXXX out of XXXX XXXX AZ. I stated to them that was not my account but my Sons account and they need to go after him. 
I also stated to them that I petitioned the XXXX Az courts to take my name off the account. ( I found out that I had a judgement against me when I was checking the courts for another individual. Never received any paperwork stating I was being sued nor did I have a chance to defend myself at that time. ) I petitioned the courts on XX/XX/2019. On XX/XX/2019 Judge XXXX granted my motion and my name was removed off the account. I and XXXX XXXX received notification of the motion and the decision of the courts. 
US Collections asked why I was getting so mad If it wasnt my account prove it.She laughed at me.She thought it was funny. I told her to check with the XXXX Courts and told her not to contact me again. I continue to get phone calls from this company. 
They have put this account on my credit report three times now. They are also charging me interest on this account. 
The first mail contact from them was on XX/XX/2019. On XX/XX/2019 I wrote them a letter and enclosed all the documents from the courts proving that It was not my account. The letter was sent back to me with a sticker return to sender attempted unknown unable to forward. The address was the same PO Box that was on their letter head.It appeared that the letter had been opened because someone had taped the back of it. 
I want this account removed from my credit report and I feel I should receive compensation from them and XXXX XXXX XXXX XXXX for making false statements on my credit report.
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

Amazon.com has a Store Card, which advertises as follows : " Amazon.com Store Card  by Synchrony Bank 5 % back with an eligible Prime membership 6 equal monthly payments with 0 % interest on purchases {$150.00} or more 12 equal monthly payments with 0 % interest on purchases {$600.00} or more 24 equal monthly payments with 0 % interest on select purchases {$600.00} or more Special Financing options available on purchases of {$150.00} or more No annual fee '' The positive comments about the card given by " consumers '' seem more like being done by employees of Synchrony bank or by relatives of those working for such bank ; such " positive '' comments make no sense. 

Upon an urgent need, anyone would be tempted to apply ; the application goes smoothly, and within 2-3 days you get your credit card. 

However ..., the advertisement as quoted above gets discovered as being DECEPTIVE in  the sense that even if you pay some amount higher than the minimum due, they end up charging you and it is as if you did not pay at all. 

To ease this, {$1100.00} was paid last XX/XX/XXXX ; then, still paying something more than the minimum, like {$20.00} more or even more than this, they will still say you owe {$2000.00} in a few months. If the consumer 's personal bank takes its time processing transactions, and a payment to the " Synchrony '' bank goes through, they are not in any position to call you or send you an urgent e-mail saying that the payment was declined ; you can discover this months later, and after speaking with a customer service representative, they close your account ; it does not matter to them that one shows willingness to pay and that declined payments were discovered very, very late [ without their notice ]. 

We consider this practice DECEPTIVE and do NOT recommend the current Amazon.com Store Card to anyone. We say " current '' because Amazon.com is successful and smart enough to know to hire better financial institutions who can offer a fair deal and with no deceptive advertisements ; for sure Amazon.com will hire another financial institution.
Consumer complaint received 2019-12-08
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: CORELOGIC INC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Applied for a Sears Mastercard and inquired about balance transfers, was told by the representative that there was a 0 % interest charge for 1 year on all purchases and balance transfers. Got the card, made a balance transfer and immediately began being charged interest on the transfer. To date, the interest totals more than XXXX and has my account listed as over the limit. When I first notice the charges back in XX/XX/XXXXof this year I called Sears and the rep said they'd reverse the charges, they never did, and I shouldn't see anymore interest charges. My statement 's have high $ interest charges each month. I made XXXX in purchases and got XXXX in interest charges ... .I asked about this and was told it was because of the balance amount which included the balance tranfer. I told Sears to close the account and I was disputin the charges based on false representation by their representative
Consumer complaint received 2022-01-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (AZ)

I filed a claim with the FTC for the equifax data breach under the pretense that by waiving my rights to pursue additional legal recourse against equifax I would be paid {$120.00}. I filed this claim on XX/XX/2019. I discovered today via the FTC website that they would not be honoring this agreement and the payment would likely be much less. ( XXXX XXXX XXXX/ XXXX XXXX claims as of today = {$7.00} per person ). This does not even account for those who have had their identities stolen and were ( before today ) entitled to up to {$20000.00}. 

The FTC is encouraging people switch to the credit monitoring option but I do not trust equifax to monitor my credit after they have exposed my financial information and social security number. I don't know anyone who would agree to have the company who was so knowingly and extremely negligent do this. 

Please note I attempted to submit a complaint on the FTC website but was directed to this website instead