davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (TN)

In XXXX of XXXX an Insurance sent a lump sum payment of {$2100.00} to One Main to for payment on a car that was totaled and used as collateral for my loan. When One Main applied the principal to the loan it only brought the loan amount due by the sum the insurance company paid in. I thought it would be reduced by that amount plus any interest that would be saved by not owing the {$2100.00} anymore. The manager informed me I had Precalulated Loan and they would not refund any unearned interest until the entire principal was paid. I continued making the monthly payments and decided I would call One Main to see how much interest I would be getting back as I knew the principal would be paid in full soon. I was then told that they do not refund the interest as they do not negotiate the note. I paid the loan off in full XX/XX/XXXX. I computed what I owed in total payments up to XX/XX/XXXX in the amount of {$5600.00}. In actuality I paid them {$8000.00}, which is an over payment of {$2400.00}. 
I made my regular schedule payment and paid what they computed final principal balance of {$600.00} on XX/XX/XXXX. It is unfair they had use of the money and still treated it like it was due and payable and the interest should be paid on it. I perceive it to be unearned interest which should have been refunded once my principal was paid in full.
Consumer complaint received 2020-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

For the past 10 years I have been disputing 3 items on my credit report with XXXX all three items are from a credit bureau by the name of Portfolio Recovery. I send in a new dispute every couple of months and they just reply they have verified. I have called Portfolio Recovery and the only thing they can provide me with is a list of charges someone made on credit cards from 2010. 
I have tried to sue Portfolio Recovery and when it got before the judge he just said he can not make someone show up in court from another state. 
I tried calling XXXX and the only thing they can do is file yet another dispute and someone claiming to be the manager first name XXXX refused to give last name said I could wait until it drops off my credit report. 
These are not my charges and I keep asking for them to verify not just from someone stating yep its yours I want a signature from when the account was opened or on any of the charges. XXXX states that's not up to them to verify other then ask Portfolio and Portfolio says they just have a list of charges and no signature for opening the account and no signature when charges were made.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I previously filed a compaint ( Complaint Number XXXX ) where the credit card company provided a response. The response provided by the credit card company failed to address the underlying context of my complaint which was that I received a targeted offer with a Unique ID number specifically linked to me. This was not a general offer to which I applied to. After meeting the conditions of the offer, the credit card informed me that I did not qualify for the offer. How could I have not qualified for the offer if I was targeted with a Unique ID number. The credit card company would have had all information on me considering that I have been an American Express card holder since XX/XX/XXXX and would know of all credit cards that I have had since then.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting an original creditor account XXXX XXXX with account number xxxxxxxxxxxx XXXX on my report that was charged off and sold to a collection agency. I settled the debt with the collection agency in full. The original creditor already charged off the account on their taxes and made money off selling the debt to the collection agency I paid, but they are still reporting it on my credit report, which brings down my score and affect my credit. I have already cleared up the debt and Equifax is still allowing the original creditor to report the debt which violates my Fair Credit Reporting rights.
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (AL)

I have previously received notice that this account was sold to XXXX XXXX for {$170.00} owed. After reaching out to them I was informed that XXXX had reclaimed ownership over the debt. I reached out to XXXX and was told that I owed {$320.00}. When I told the representative that I don't recall that amount they responded that it cost more because of unreturned equipment. 
I requested debt validation from XXXX and XXXX before the debt was sold again to a new collection agency. The final bill from XXXX reflects {$170.00} including unreturned equipment fees. I believe this proves that XXXX  and the current collection agency XXXX be reporting an incorrect amount owed Last bill reflects On XX/XX/2019 Previous Balance {$120.00} Unreturned Equipment {$78.00} Monthly Services ( XXXX ) - {$19.00} Total Due. {$170.00}
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MN)

On my Citi bill were charges I did not authorize. 
Offer XXXX promotion : XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX Offer XXXX promotion : XXXX -- XXXX TOTAL : {$1300.00}. 

I called today to tell card company I did not authorize & did not know what the charges were for. I was told it was an XXXX  promotion to lower fee from 19.6 % to XXXX & now promotion is over they are charging for it. I explained I pay my bill in full every month so had no need for this & would not sign up for it. They insisted I did which I did NOT & refuse to drop charges. Can you help me get my money back? I was so upset I closed account.
Consumer complaint received 2020-01-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Synovus Bank (GA)

My wife and I bought {$10000.00} worth of IRAs from Columbus Bank and Trust Company ( CB & T ) from XXXX to XXXX in XXXX XXXX, Georgia. I have recently found them, the CDs, in my desk in my house as I forgot about them completely. CB & T was bought out by Synovus Bank. I have attempted to redeem the certificate of deposits to an individual retirement account from the bank along with all interest. I have spoken to branch bank, then to the main branch in XXXX, Georgia. The main branch in XXXX said they will talk to the main branch in XXXX to a historical section of the bank to find out about these CDs. I have spent 3 months trying to resolve this with the bank and have been unsuccessful. My daughter has spoken to the branch in XXXX numerous times and she was assured that a satisfactory solution would result. I have not received any funds or a reply from Synovus Bank about what happened to the CDs. My telephone number is XXXX.
Consumer complaint received 2023-05-15
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. (TX)

SINCE IT IS AGAINST THE FCRA 604 PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( 15 USC 1681B ) FOR AN ENTITY TO VIEW A CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE, I AM DEMANDING FOR XXXX, XXXX, AND EXPERIAN TO REMOVE THESE LISTED INQUIRES BECAUSE I DID NOT APPLY FOR CREDIT. THESE FRAUDULENT INQUIRIES WERE OBTAINED UNDER FALSE PRETENSES WHICH VIOLATE 15 USC 1681N ( A ) ( 1 ) ( B ). INQUIRIES : XXXX XXXX XXXX  ( FINANCE ) XX/XX/ 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 2024-01-26
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. (MO)

For the 2nd time experian rep XXXX who has absolutely no power to do anything or even look at most things called again and went on about 2 disputes that are about to expire and she wants to talk about them, RESEARCH SHOWS THIS IS A TACTIC THIS FRAUDULENT COMPANY USES TO SHOW SOME KIND OF CONTACT,. I REFUSE TO GIVE MY FULL SOCIAL SECURITY NUMBER TO A PERSON WHO BARELY SPEAKS ENGLISH AND CAN DO ABSOLUTELY NOTHING TO HELP ME, FORWARDED TO XXXX.
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

XXXX XXXX was my old cell phone provider. I left thinking I had a XXXX balance. After I left I guess another bill came in or something I did not know about. The admitted on the phone with me they had the wrong contact info as far as email and that they may have never tried to call as my number had not changed. They did not try and call me for sure. No voicemail or email or phone call or text. They then reported this to Experian, XXXX, and XXXX. This is how I found out I had the debt. I called and paid it but they refuse to remove the credit reporting even though I was never contacted and given a chance to even make sure it was legit or to dispute it. I disputed this with Experian but they confirmed it and didn't take into account what I said about never being contacted at all. XXXX could not have confirmed they contacted me as they admitted they didn't have the right information and never called.
Consumer complaint received 2020-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

Dear PHOENIX FINANCIAL SERVIC After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Consumer complaint received 2020-06-09
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. (OH)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report, FTC report for identity theft.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I recently checked my credit report and noticed a fraudulent account opened with XXXX that was removed from my XXXX  Report on XX/XX/2021. According to FCRA my consumer rights has been violated. Since the deletion, XXXX  and Equifax has double reported and allowed this fraudulent account to re-appear on my credit report after being removed. I am demanding immediate deletion of this fraudulent XXXX Account as soon as possible. This fraudulent account is effecting my credit integrity and must be removed. FTC report is attached.
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my Sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AGN Auto Gallery Inc (GA)

I was late on my payment and got threatening, XXXX, and degrading voicemails from the owner of the auto lot. The owner has threatened me on my voicemail on numerous occasions and have threatened to have me falsely arrested. Unfortunately, I am a young XXXX male and him calling the police on me could be catastrophic in the world we live in. He continued to refer to other past customers that he has had arrested  and has threatened to tack on thousands of dollars if I did not show him my odometer to verify that I wasn't driving a lot of miles. 

I was left threatening messages on XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( XXXX and XXXX ), and XX/XX/XXXX ( XXXX, XXXX, and XXXX ). I have recordings. I also have a number of messages from previous months. The owner has referred to me as " XXXX  '' in a XXXX connotation and has also referenced " Obama '' and getting things for free in the voicemails in a XXXX connotation. 

His salesman sent me a text message citing verbal abuse, inappropriate behavior on the job, verbal harassment, offensive language towards employees and customers, and drinking on the job as his reasons for resigning.
Consumer complaint received 2019-02-14
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. (GA)

I recently attended a credit counseling seminar and they told us to monitor our credit I checked my credit report just to see exactly what was on it. I see a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ', XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX my account was hacked and has been restricted since then. After speaking with the security department, I was told that someone was able to access my funds by knowing confidential information that only Navy Federal Credit Union employees has knowledge of ( I.E. code name, online banking username/password, debit/credit card info ). 
I was instructed to complete a Fraud/Forgery form and return it ASAP. The document was sent to NFCU on XX/XX/XXXX but they did not " receive '' it until XX/XX/XXXX. Absurd. I was told that it could take up to 10 business days before receiving my funds. Each time XXXX contact NFCU and request to speak with a supervisor, there are none available. No one is able to provide me with any updates with my account, and it is going on nearly a month since this situation has transpired. I need my funds released to me immediately. It is unfair that I have to be in a financial bind for WEEKS due to lack of security within this company! My bills are past due, and I have nothing! I need this problem fixed as soon as possible or the next step will be legal. I have been patient enough. I trusted NFCU with my funds, and they allow someone to take it within seconds yet I have to wait until the investigation is over. I have never gone through a situation this severe with any other financial institution, and they must be held accountable. 

Below is the fraud activity that took place : XX/XX/XXXX XXXX XXXX XXXX XXXX  {$510.00} XX/XX/XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXXXXXX XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$600.00} XX/XX/XXXX XXXX XXXX  XXXX {$600.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX  {$750.00} XX/XX/XXXX XXXX XXXX  {$43.00} XX/XX/XXXX XXXX XXXX XXXX  {$750.00} XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXXXXXX A XXXX {$4200.00} XX/XX/XXXX XXXX XXXX XXXX {$4200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} Someone also attempted to take out a student loan with NFCU ; however, I was able to stop the application process before funds were dispersed to the school.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-04
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: Experian Information Solutions Inc. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-03-04
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: Experian Information Solutions Inc. (CA)

Today XX/XX/2020 I found out that there are three unauthorized accounts appearing on my credit report. The way I found out was because I applied for a credit card at XXXX XXXX XXXX and I was told that they could not approve me because of these accounts. The accounts are from XXXX XXXX XXXX and two from XXXX XXXX. None of these accounts belong to me ; I did not open them and I did not give anyone else permission to open them on my behalf. There is also this address XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX on my credit report that I never lived at. I did not benefit anything from these accounts such as money, goods, services, goods or any other benefit and I did not make any payments towards those accounts. I also filed a police report regarding these accounts and address.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I been contracting capital one for 5 months they do not take my called The bumper they have on file XXXX when I put my social security number in the phone hangs up on me and every number I XXXX does the same thing so I can not work out a deal with capital one because they are making it impossible for me to get in contact with them my balance with capital one was only {$800.00} and they are reporting {$1400.00} they are charging me 56 % interest my credit card was only for {$1200.00} If capital one does not want to speak with me they need to take this account off of my credit