davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC (IL)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-10
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)

My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I have told Transunion that I have been a victim of identity theft but the inquiries have not been removed.
Consumer complaint received 2021-06-23
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. (NJ)

This is a follow-up complaint against XXXX financial ( previous complaint # XXXX ). 

I was told that a supervisor would call me, and I have yet to speak with a supervisor. 

XXXX said they would remove the negative credit reporting. My credit history still reflects negative reporting from XXXX. Everytime I made a payment and while making additional payments to pay down my amount they would report that I needed to pay more the balance was not going down with the payments I continued to make. 
The amount continued to increase and not decrease. They always included extra fees and resons why I was paying money towardsXXXX told me to make payments ( amounted to $ XXXX ) during the forbearance ; after taking money from my 403b I paid XXXX  what I owed to become cureent. I called a representative she told me that I was current, The representative admitted she also heard the same call, and I then told her another representative told me they would not report my account negative and I was told they would listen to the call where the rep told me incorrect info about my account, they followed up and told me they no longer had any of those calls. Then I told them I would like to speak with a supervisor, and I was told the supervisor was out at lunch ( the call took place around XXXX in the evening ). I was told the supervisor would call me at XXXX XXXX, but I received no call. I have yet to receive a call or resolution. 

I still have no resolution, and XXXX  is not taking any accountability for their reps repeatedly misinforming me and taking my payments, and telling me I had to pay during the forbearance to become current on my loan. 

They took my money, promising me they were going to bring my account current and would not affect my credit. They also told me all of my money would go to cover my interest and payments and that I should make the payments which they did not. They paid taxes with the $ XXXX I gave them and not paid any of my previous payments. Please help. I've been going through this cycle with XXXXfor over a year without any resolution ; I'm never able to speak with the same rep. I can not move on in my life because they are reporting 3 months of missed payments. They confirmed that their reps lied to me and are unwilling to follow up with me. They have not removed the negative reporting even though they confirmed they heard a recording where multiple people misinformed me and also confirmed my account should have reflected current, and they have the recordings and still haven't fixed my credit. Please help!!! I took all of my money from my 403b during the pandemic to secure my home for my family, and I am trying to move on, but XXXX is hindering me. 

I asked for a copy of my tax payments, escrow payments, homeowner insurance payments, communications from XXXX, and transcribed copies of the recording/conversations.
Consumer complaint received 2021-07-10
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: SYNCHRONY FINANCIAL (GA)

I mistakenly purchased an ecosmart water heater from a KNOWN fraudulent company. Once checking out with their " preferred checkout method '' ( PAYPAL SYNCHRONY CREDIT CARD ) the website changed from XXXX to XXXX XXXX XXXX with no other contact information. I became concerned, but, was able to track package delivery. Once my package stated it arrived, I noticed it was an envelope with just a mask in it. I called Paypal Synchrony credit card to dispute the charge and report fraudulent activity on the account since there was no way of getting ahold of the company. They stated they " had no problems getting in touch with the merchant '' and swiftly denied my claim. I tried to bring to them more information, and they denied it again, but this time with a copy of the merchant 's proof of delivery. I told them the merchant delivered a package with a mask in it with XXXX writing on the envelope. The product weight was 0.5 lbs delivered by XXXX. My product was a POOL HEAT PUMP with a wt of 25 lbs! I looked on the PayPal website and noticed that PayPal KNOWS THIS COMPANY IS COMMITTING FRAUD AND DOES NOTHING TO STOP IT, BUT INSTEAD, THEY TAKE THE CRIMINALS SIDE. They told me I could not have access to the company number they had because " it was their personal one for that company ''. The lady I spoke to also said that they are aware of this type of scam where they block any communications with the buyer once checkout is complete. If you look at XXXX https : //www.paypal-community.com/t5/Disputes-and-Limitations/is-163-com-address-a-scam/td-p/2123145/page/1XXXX ) you can view all the victims of this fraudulent company with the email ending XXXX on the Paypal website. They do the same scheme over and over with PayPal being aware. I have receipts from before the transaction and then the finalized transactions along with " their proof '' they sent from XXXX that Paypal sent me. They continue to allow transactions to be approved with the same domains. When the consumer brings up the discrepancy, they are made by synchrony to feel as if they committed the fraud.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-09
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: Sezzle Inc. (CA)

XXXX is not properly investigating my disputes. These companies Sezzle and XXXX credit services are reporting false information during the pandemic when I have consumer protection by law. These accounts were unauthorized and I never received the items.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is erroneously reporting to the three major reporting agencies - XXXX, XXXX, and Equifax  that in XX/XX/2021 payment was late 30 days. No payment was given 30 days late to XXXX XXXX XXXX and the account is current. All documentation of account statements and billing statements show the account is current with payment history identifying all payments have been provided on time. A representative over a phone call also admitted to this. XXXX XXXX XXXX have failed to rectify this matter. Numerous phone calls have been placed with no success.
Consumer complaint received 2021-03-12
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MYNAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX OH,XXXX. SS XXXX XXXX. I have already done a dispute and I was told that I was not the one filing the complaint???? 
PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OHXXXX
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Financial  Corporation (MS)

Account receivable is account set up by girl I dated an she used my social because she said she didnt have the deposit this was after the fact!!! XXXX XXXX XXXX said it was a mistake if I would dispute it they would fix it an take care of it as son as they got it!!! XXXX XXXX sails I owe them XXXX something dollars am they never bought the loan from approved auto so therefore they have no reason to be on my credit report at all long story short I been working hard to try have some credit to have something an the only loan I have has been in good standing on time every month an it doesnt even show on there for most part. XXXX XXXX hit my credit 9 times in less 2 month on debt XXXX dollars that was a XXXX XXXX XXXXlaim so therefore please please I have done the footwork of call after call over this because this is my life. I expect someone to fix my credit give back my points that belong to me so I can live my life
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian refuses to delete an inaccurate account from my credit report. They have fraudulently verified the account as accurate with XXXX. I immediately called XXXX and shared this information, and XXXX said that was not possible for them to verify this bankruptcy with them because there are no bankruptcies reporting on my file. The date of this incident was XX/XX/2021, first dispute in question. I called Experian and immediately opened another dispute into this bankruptcy. Ultimately, Experian emailed me again yesterday XXXX XX/XX/2021 ) saying that this account has been verified by XXXX. I am pretty sure that XXXX isn't the culprit here, since all the other credit reporting agencies have properly updated my reports. I just wanted it to be on record that Experian is still fraudulently saying that they have verified this account with XXXX. I will seek legal counsel in this matter since the CFPB has no enforcement arm to make sure that Experian abides by the FCRA and the laws. It has been nearly 60 days since I disputed this bankruptcy in XXXX and Experian has been viciously fighting to keep this inaccurate account on my credit report. More importantly, Experian is not conducting a proper investigation into the matter. If they did, this matter would have been resolved with my XXXX dispute.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

Every month they were changing me a XXXX XXXX  monthly fee on my checking account and I feel that I shouldnt have to have a balance of {$500.00}. Also when I had the amount requested by the bank for that account they still charged me {$10.00} every month
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A copy of my debit card was used in Virginia 3 times, while I was in XXXX, Texas. I have disputed these with the bank twice, Capital One and they insist I made the charges and will no longer dispute them and they have taken the money out of my account and refuse to give it back!
Consumer complaint received 2018-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (FL)

THIS INFORMATION IS INCORRECT IN MORE THAN ONE WAY. 

TO START NONE OF THE personal information listed regarding this credit card account are valid ; such as My suposed account number, address, phone number, email, Social Security number. 
I AM NOT RESPONSIBLE OF THIS, NOR AM I THE ACCOUNT HOLDER. 
This card was opened with My first and last name and date of birth AND THAT WAS ALL THE INFORMATION THAT MATCHES THIS-HOW IS THIS EVEN POSSIBLE TO HAVE GOTTEN THIS FAR AND STILL FOLLOWING ME!? 

I HAVE REACHED OUT TO THE ORIGINAL CREDIT CARD COMPANY A FEW TIMES OVER THE LAST 6MONTHS TO KEEP THEM UP TO DATE ON EVERYTHING ON MY END AND APPARENTLY NOTHING AT ALL HAS BEEN DONE. 

I DONT KNOW EXACTLY WHAT/HOW THIS HAPPENED, IF IT WAS DONE BY A PERSON I KNOW, KNOWINGLY USING PART OF MY INFORMATION OR IF THIS WAS COMPLETE ERROR ON SOMEONES FAULT BUT I AM STILL NOT TAKING RESPONSIBILITY FOR SUCH AN INCORRECT SITUATION. 

NOW I HAVE DEBT COLLECTORS EMIAILING ME, CONTACTING ME AND ACCUSING ME OF THIS DEBT THAT HAS NOW BECOME A COLLECTION ACCOUNT AND SOLD TO A NEW COMPANY. 

THE MOST UPESTTING TO ME IS THAT NOW ACCORDING TO THE CREDIT REPORTING AGENCIES, M YCORRECT PERSONAL INFO HAS BEEN BASICALLY ADDED TO/ WITH THIS OTHER " XXXX XXXX XXXX ACCOUNT AND MY PUBLIC INFO IS NOW MIXED INTO THIS WHOLE MESS EVEM MORE THAN BEFORE BC NOW WHEN SOMEONE PULLS THIS ACCOUNT/REPORT, ALL THE INFORMATION SUBMITTED-BOTH BY THE APPLICANT, AND NOW BY WHOEVER HAS ADDED TO THESE CREDIT REPORT ACOUNTS ON THE ADMIN SIDE-WHICH HAS ONLY MADE THINGS WORSE AND MORE CONFUSING TO ANY THIRD PARTIES GETTING INVOLVED.
Consumer complaint received 2021-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

This account was opened in XX/XX/XXXX and I had a {$400.00} credit limit. It was paid off completely of on XX/XX/XXXX ; payments totaled {$570.00}. I closed the account due to the high interest rate they charge on top of overpriced items. XXXX reflects a {$0.00} balance on my credit report, which is accurate, but also states that it was charged off and now a collection agency is reporting a balance as of XX/XX/XXXX in the amount of {$940.00}. If the account was closed with a zero balance in XXXX, how can there be a balance as of XX/XX/XXXX ... .5 years later of {$940.00}? XXXX and Jefferson Capital System both need to remove their fraudulent remarks from my credit. XXXX is owned by XXXX XXXX XXXX according to the XXXX XXXX XXXX website and as of XX/XX/XXXX the business filed Chapter XXXX Bankruptcy, case # XXXX. Out of XXXX Reviews on XXXX, their rating is a XXXX out of XXXX, have received XXXX complaints in the last 3 years ; 512 of which were closed in the last year. Jefferson Capital has received XXXX complaints in the last 3 years and XXXX complaints in the last year. Out of XXXX Customer Reviews, they have a XXXX out of XXXX on XXXXXXXX. This should speak volumes about how they conduct business. I saw a ton of affilitations between XXXX account and Jefferson Captial Systems. 

This company XXXX XXXX XXXX brags about helping people " build a better credit future '' but all they are doing is ruining their credit. They charge ridiculous interest rates and charge you double for the item. For example, they are currently selling a handheld game console called the XXXX XXXX  XXXX XXXX in the color Coral. It is being sold at XXXX for {$310.00}. However, XXXX  has the exact same item, in the exact same color for {$190.00}. XXXX has the exact same item as well and the same color and are selling it for the same price as XXXX  for {$190.00}. This is NOT ok!!! 

They, by their own admission charge XXXX % interest on top of these over priced items.
Consumer complaint received 2018-06-28
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation (CA)

I attended XXXX College from XX/XX/XXXX to XX/XX/XXXX. Student loans were processed with XXXX XXXX XXXX who I arranged monthly installments. I am in good standing with this company however, in XX/XX/XXXX I received a message on my credit report of two derogatory marks. I discovered XXXX turned student loans over to a collection agency, XXXX XXXX XXXX. I was never informed in writing or verbally that my account would be placed into collections. I have contacted both companies several time with no prevail. As of XX/XX/XXXX XXXX has stopped sending statements. I am continuing monthy payments to date. I have also, filed disputes with XXXX, XXXX, and the XXXX XXXX XXXX. After researching XXXX XXXX XXXX, my discovery shows many complaints of unethical business practice and illegal collection practices. I have also attempted legal action but have not been successful in finding representation. I can provide documentation in my favor such as proof of payments, notes from conversations with all parties involved, my last statement sent from XXXX, proof of complaints on the XXXX XXXX XXXX site and XXXX investigation report which found in my favor. I am seeking help in resolving this issue. Please advise if your agency can be of assistance to me.
Consumer complaint received 2021-03-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (GA)

With bank statements to verify the payments, Ive been paying TitleMax a total of {$210.00} since XX/XX/XXXX. From the beginning, the title loan amount was {$1900.00}. My car involved is a measly XXXX XXXX XXXX. I faithfully paid TitleMax {$210.00} every single month until XX/XX/XXXX. I simply did not have enough money to pay them. Although I faithfully paid them every single month, the bill has not budged. Because of that one missed XXXX payment, today, the bill is registering over {$2000.00} & is steady going up. By XX/XX/XXXX, the amount owed will be nearly {$3000.00}. Regardless of the details in the contract, I thought that at some point, the top TitleMax officials would have mercy on their customers & would stop charging high interest on loans during a pandemic when they know that many people are suffering financially. After they called me up at the end of XXXX & threatened to take my car, I managed to scrape up the {$210.00} payment for XXXX. 
After making that XXXX payment, we had no food & our utilities almost got turned off, but fortunately, without making a payment, the companies kindly left the utilities on. In XXXX & XXXX, I was able to make only one {$210.00} payment each month ( a total of {$430.00} ). TitleMax is now expecting another whopping double payment of about {$430.00}! I dont have this kind of money to give TitleMax whereas my family is literally STARVING & the TitleMax bill is going NOWHWERE BUT UP! Theres a {$7.00} daily charge for each day a payment is late. 
On XX/XX/XXXX, before I could think about receiving my stimulus payment, TitleMax called me up & demanded a double payment & threatened to take my car although I paid them a {$210.00} payment in both XXXX & XXXX. At this point, if you figure it up, from XX/XX/XXXX, I have nearly doubled the repayment of that title loan. By right, I dont actually owe them anything & why should I give them my car after missing a single payment? 
I feel that at some point for customers who have been paying interest on a TitleMax loan for a long time & are unable to pay it out in a single lump sum, top officials at TitleMax should stop collecting the interest & forgive the loan, particularly when a customer has already double paid back the loan! 
Due to XXXX XXXX, Im on a fixed Social Security XXXX income. The TitleMax bill is similar to having a hole in my pocket. Im throwing away {$210.00} per month & the bill is increasing. I feel VERY helpless because I dont know how to stop this without giving them my car. I need my car for doctor visits, grocery shopping, & to commute my brother to dialysis. What should I do to get away from TitleMax without having to give them my car & to finally stop paying them? HELP!!!!
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.