davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
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: FinCo Services Inc DBA Current (PA)

I have a CURRENT VISA card and there were 2 transactions I was charged for that I know nothing about : 1 ) XXXX charge for {$49.00} on XX/XX/XXXX at XXXX, 2 ) XXXX XXXX for {$7.00} on XX/XX/XXXX at XXXX. 

I tried to dispute the first charge and was unable to get customer service support, so I blocked the vendor from being used again. 

After the second charge I was more persistent and finally got customer service to hear about my dispute. In searching through the details, I see there were other attempts made against this account, but I transferred all of the money out. Examples include : 1 ) XXXX at XXXX card was declined by XXXX  due to incorrect expiration date 2 ) XXXX at XXXX card was declined by XXXX  due to incorrect CVV number 3 ) XX/XX/XXXX at XXXX to XXXX card was declinedbyt Whitepages due to balance 4 ) XX/XX/XXXX at XXXX card was declined by XXXX XXXX due to balance . 6 additional attempts made to this vendor. 
5 ) XXXX at XXXX and XXXX at XXXX, 2 additional attempts were made to charge my card for XXXX purchases XXXX 

A formal dispute was filed with Current on XX/XX/XXXX. My card was cancelled and a new card was mailed to me. On XX/XX/XXXX, I received notice that my disputes were denied. 

I don't understand how they came to this dedtermination and why I was never contacted during the process to clarify or explain my case. I thought I dkid a good job at explaining the case, but based on the outcome, it seemds ok for CURRENT VISA cardholders to not have protection you would expect,. 

Thank you.
Consumer complaint received 2021-10-15
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. (WI)

on XXXX. 
thi credit bureau refused to remove a fraudulant account on my credit report XXXX XXXX  XXXX I have attached a copy of police report
Consumer complaint received 2020-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

Appeal appeal appeal regarding my cfpb complaint revorded and documented with the cfpb as # XXXX REGARDING XX/XX/XXXX wells Fargo bank response letter stated as sent to my ongoing complaints of fraud activity done on my us legal name of XXXX XXXX XXXX XXXX XXXX and identity theft complaints ( FTC REPORT # XXXX ) I DID NOT RECEIVE WELLS FARGO BANK PHONE attempts OR MAILED RESPONSE As stated. Wells Fargo Bank aka Wachovia XXXX wells Fargo advisors responded via cfpb portal saying that in fact there was an account established for my us legal name in XX/XX/XXXX. I did not establish this found XX/XX/XXXX WACHOVIA Wells Fargo account. I am requesting all signature cards of this established XX/XX/XXXX account address where it was opened and phone numbers and all emails and ipaddresses and all created linked money instrument accounts to this stated established account of XX/XX/XXXX. I am requesting a copy of the opening and all unauthorized transactions on this XX/XX/XXXX account. I am reaching again to XXXX XXXX Wachovia na and wells Fargo and Wachovia na XXXX XXXX XXXX and wells Fargo advisors and all affiliated private wealth management bank and financial institutions that are linked to this stated XX/XX/XXXX account in wells Fargo resobse letter of finally XX/XX/XXXX approx 13 years from the original date that I requested a fraud and identity theft review IN PERSON AT XXXX XXXX XXXX XXXX XXXX XXXX VA WACHOVIA. XXXX LOCATION TO THE BRANCH MANAGER XXXX XXXX XXXX of all my sole owned ssamonies and life savings AND UNAUTHORIZED GAINING ACCESS OF MY STOCK FOLIO AND PROCEEDS FROM XXXX XXXX XXXX XXXX XXXX VA SALE OF MY SOLELY OWNED AND DEEDED XXXX XXXX DOLLARS other monies. PLEASE FAX YOYR WELLS FARGO RESPONSE TO ME ASAP AT MY PAID FAX SERVICE XXXX. Please note Wells Fargo I have followed up with the Security And Exchange Commission of the USA. I received no info regarding this XX/XX/XXXX ESTABLISHED account from ANY FINANCIAL INSTITUTION even after repeated fraud suspicious reports in person by me a US CITIZEN XXXX XXXX XXXX XXXX XXXX. I am need these documents for my records and to know where I need to go and get answers to from this fraud activity and unlawful access of my name and solely owned monies of over XXXX XXXX dollars.
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

Collection account was first bought by XXXX XXXX, and I paid that account with them. Now I see that Midland Credit has the account, and I have tried to get them to take it off, since I paid the account in full already. They are refusing to help me, and will not take the collection account off. This was for a XXXX XXXX account that I had.
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (TX)

Firstly, MRS never notified me of this alleged debt before filing it with the credit bureaus, which decimated my credit rating. I was damaged by their dereliction of duty and responsibility as a debt collector, which is why I am reporting that action to the CFPB in a formal complaint. I learned that this entry was placed on my credit report via a credit monitoring service. The notification came after business hours on Wednesday, XXXX On this morning, XX/XX/XXXX, I telephoned MRS per the number listed on my credit report to inform them this alleged debt was not valid. My efforts were to no avail. The rep, who answered, could not help me and transferred me to the XXXX  section of the MRS agency. After a lengthy hold, no one answered the phone. I hung up out of disgust. Secondly, had they performed the lawful activity of notifying me so that I could dispute the debt, they would have discovered that this is a duplicate debt that was filed on my credit report by XXXX XXXX on behalf of XXXX  under the name of XXXX XXXX. .They would have learned that I disputed that derogatory entry on my credit report as I do not owe this debt. All three credit bureaus removed it from my profile, This occurred in XXXX of XXXX. Subsequently, MRS filed the debt under XXXX, an affiliate with XXXX XXXX.I was robbed of due process because they did not verify the legitimacy of the debt with me. I want this negative information removed from my credit profile with all 3 agencies. A consumer should not have to be subjected to stress that arises from a collection agency trying to be slick with reporting erroneous debt by by-passing the law on notification, preventing he consumer from filing a dispute appropriately. MRS did not attempt to verify this debt with me. I do not owe this debt. I am disputing it. I want it deleted from my credit report. Moreover, I want MRS sanctioned for disrespecting the law that protects consumers from just this kind of activity.
Consumer complaint received 2021-10-15
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: AMERICAN EXPRESS COMPANY (FL)

I used my American Express card to pay for a stay at the XXXX XXXX XXXX in XXXX, FL. XXXX XXXX XXXX claims to be pet friendly and mispresented their pet policy when I made the reservation. Specifically, I was advised when making the reservation that proper accommodations and safety practices were in place for pets. That was very untrue since there was no place to walk dogs on the premises and instead they suggested a county run park that was almost a mile walk. In the summer heat in Florida, that long walk can be unhealthy for a dog. Also, I had the Florida XXXX XXXX XXXX investigate the XXXX XXXX XXXX and they were found to have many violations, one in particular which was dangerous to pets was mislabeling and handling of chemicals. Unfortunately, my dog because violently ill during the stay and died. Cause of death was undetermined and thought to be heatstroke or poisoning. 

I filed a dispute with American Express for the two related charges, XXXX which was dispute number XXXX and XXXX which was dispute number XXXX. American Express closed the disputes in my favor and then reopened on XX/XX/21 and returned the charges to my account. Their reasoning seems to be because XXXX XXXX XXXX refunded the pet fees. To me, a refund of pet fees is an admission of guilt and is not a resolution at all. 

I feel that American Express did not put effort in their decision and decided to rule in favor of the merchant which is not properly protecting their customer. It was also lazy in my opinion.
Consumer complaint received 2021-10-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Reliable Credit Association, Inc. ()

WE bought a XXXX XXXX XXXX from XXXX motors at XXXX XXXX XXXX XXXX on XX/XX/XXXX cost {$8600.00} and interest rate was 24.99 % .Me, my wife and talk to the reps of RELIABE CREDIT COMPANY and he said that we have to pay {$1700.00} as down payment and should pay monthly amount of {$280.00} for 36 months.We gave them {$1000.00} on the same day XXXX and gave them the remaining {$700.00} on XX/XX/XXXX XXXX.We started paying on XX/XX/XXXX XXXX.We paid through out and no late fees and they gave us a receipt after the first one year stating that the remaining balance was $ XXXX that, they did not send any thing till paid the remaining two years to complete the three years ( 36 months ) WITH NO LATE FEES.That is {$1700.00} plus $ XXXX for three years is $ XXXX.Even though that is still more than 25.99 %, they instead change the whole program to a period of 48 months with an addition of {$2600.00} to be paid monthly of {$250.00} per month.The reason because i was not paying more than the amount by month and was not earlier before the time.So the whole total is {$6000.00} interest we have to pay for rotten car which cost $ XXXX.THE CAR IS PARK WITH TRANSMITTION PROBLEMS NOW FOR OVER 8 MONTHS.
Consumer complaint received 2020-04-09
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX  XXXX {$180.00}
Consumer complaint received 2020-04-09
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: Experian Information Solutions Inc. (AZ)

Went to get my free annual credit reports from XXXX XXXX XXXX. XXXX  and XXXX  worked fine. When I went to get the Experian one, it says, " A condition exists that prevents Experian from being able to accept your request at this time. 


To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 


XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX '' In this day and age, it is unacceptable to request consumers to send snail mail to get a credit report that the credit bureaus are required by law to provide. Furthermore, their error message is generic, and does not explain the nature of the issue. It is poor programming, and they should be held to a higher standard.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Google Compare Credit Cards Inc. (NY)

My name is XXXX XXXX and I am a senior citizen and I am also on social security. 

I am a Google email user and the email I am complaining about is XXXX I signed up for email address to use in my XXXX account so as to be receiving verification codes and I have been using the email for more than a year now. 

Few days ago, google disabled my email address and said they suspected it was used for phishing and they said I can appeal the decision. 

My email address has never been used for phishing before. So I appealed the decision to have it reenabled and I never heard back from Google. The case number google gave me is [ XXXX ] This has done a lot of damages to me because I used email to link to my Online social security for verification code when I want to log in. I have not been able to access my social security account for now because the code is being sent to my email address. 

I have over {$4500.00} US dollars in my XXXX account and I can not withdraw because XXXX recently sent a code to my email and asked me to provide the code, but google shut down my email address. There is no way for me to change my email on XXXX because they will first of all send email to the old email that was linked for confirmation before a new email can be added. 

Also few of the online banks which has no location that I have Account with I can not log in because my email which google XXXX was used for codes too. 

I am officially writing to Google using this complaint to enable my email address so I can be able to withdraw my funds from social security and XXXX because I have been so frustrated in the past days please. 

The email I am complaining about is XXXX XXXX
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 15 U.S.C 1681 section 602 A states I have to right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC (FL)

Thank you in advance for your valued feedback and assistance. I acquired a home inXX/XX/XXXX in the XXXX XXXX  XXXX and the State of Florida. This was a suggested loan based on loan originator conversations and meetings regarding several properties. After residing in the home for eight months it was determined the home was far too aged for a family structure of mines at the time and one that demands technology connectivity to operate in distance working, school, and other research assignments. The mortgage was sold and transferred to another Loan Servicer while I officially changed my name, experienced family causalities, and was hit with three named hurricanes and tropical depressions. Because of the conversations, natural disasters, and temporary loss in income. The home has declined into subpar living standards. It is a family home for my daughters where we have experienced discriminating rental rates that compensate the needs of management companies and owners that exempt themselves from evaluating, restoring, and maintaining a home. This has been one of the driving reasons why I have not placed the home on the open market. Many social security number holders have been impacted by predatory lending, commissions, and fees. XXXX holders are serviced with a different system of practices that leaves many questioning the real estate industry as a whole. I am a natural-born citizen and resident who strongly welcome all but feel I was sold into an income opportunity scale that is yet to be truly appraised based on the soil, growth potential, and wind conditions that bury people prematurely. I don't want to lose ownership of the property line, land and without communication from the new loan servicer, I feel I am being guided to add this debt to the treasury for cancellation and clear deed and title ownership to my name. Novad Management Consulting OKLAHOMA OFFICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

I opened up account with XXXX XXXX in XXXX Arizona I told then nobody was to be on my account I closed my account in around XX/XX/2018 the my ex called had them to put his name on the account on Match XXXX. XXXX XXXX turned it in to a Collection Agency I had to pay the rest if it I paid them over 1000 dollars that was not mine
Consumer complaint received 2020-03-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (AR)

HELLO, I AM TRYING TO BUY A HOUSE AND NEED A CREDIT BOOST, I AM REQUESTING SANTANA TO HELP BY RE-INSERTING MY ACCOUNT BACK INTO XXXX XXXX AND DOUBLE CHECK XXXX  SEE ATTACHED.
Consumer complaint received 2020-04-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC (AZ)

I have a car loan with Flagship Credit, If I am one day late on my payment, I start receiving phone calls. I admit, I am behind but I have been diligently trying to get current ( ex - I made a 1 1/2 month payment 4 days ago ). However, since at least XX/XX/2020 - ( I have phone records from this date on ) I have received a MINIMUM of 1 call per day from this company. Some days I receive 2 or 3 on my personal phone. I also receive emails. They also call me at work ( even though I am not allowed to receive calls at work ), they call my family members and friends. The FDCPA clearly states " causing a phone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number '' is not allowed. I feel like I am harassed every single day. My family members are being harassed, not as frequently as I am, but they receive several calls as well.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX {$600.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2020-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (UT)

Two problems : 1. The fed loan website explicitly says that the coronavirus package can halt payments on my loan but these halted months will NOT count towards PSLF, which conflicts with what your site and many others say. I understood that I could halt payments AND those months would still count towards PSLF. Fedloan seems to be unwilling to recognize that as the situation. What is the truth? 
2. They calculated my repayment for a year based on my Obvious gross income that I provided. They made no attempt to get an adjusted discretionary income from me and I didnt know I had done wrong until they got my tax return one year later and said oh, your payment should actually be THIS. Which turned out to be about 1/3 the amount I was paying. So they essentially fleeced me out of ~XXXX that year and would not return the excess I was paying that I was NOT obligated to pay. It seems that if they get a tax return at the end of the year and your income is such that you were making more than the minimum payments required you should be able to get that back. If the government takes too much money from me in taxes, I GET IT BACK. Why wont the student loan office do the same thing?!! Its criminal and I am very upset by this. I have made complaints with both fedloan, student aid.gov, and even my government representatives and nobody will help me. That extra XXXX would sure help now ...
Consumer complaint received 2020-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collins Asset Group, LLC (CA)

Collins Asset group reported a collection to personal credit report last month .... Prior to that there was no notice of collection, letter, call or inquiry on this debt they claim is owed to them. Request for validation of debt came back with a simple print out stating that 24k+ was owed to them from the loan originated in CA back in 2017 at 29.66 % ... It is a known fact that CA statutory limit on personal loans is 10 % .... isn't this a usury? After disputing the accuracy of this account with the buraus Collis Asset groups responded with " full validation and confirmation of total accuracy of this account '' to all 3 CRAs However, could not produce signed contract, proof of origination, proof of any payments made on this loan in the past and no proof of personal identification that would prove they have the right person on this collections and who the original creditor/lender was besides the fact that this is originated in the state of CA ...
Consumer complaint received 2020-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MI)

( PMI ) Loan to value home appraised at {$67000.00} purchased price {$61000.00} base loan amount {$55000.00} as of XX/XX/XXXX debt on principle {$42000.00} called in XX/XX/XXXX to stop PMI payments need to sign request form to stop PMI documents to stop was not delivered. has not stopped called again XX/XX/XXXX told that i need to sign request documents to stop PMI still no documation was delivered as of XX/XX/XXXX i'm being over charged for past year please help This shoud have stopped when I reach 78 % of value {$52000.00}