davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
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: DISCOVER BANK (MD)

Unauthorized : Discover Payment Protection Identity Theft Over the course of the last 11 years our discover credit card has been charged monthly for the above services that we did not authorize. Contact was made and we were advised they can only refund 6 months of unauthorized charges to the account. They also were unable to locate or provide documents showing these services were agreed to. We were advised the only possible way of obtaining these documents is by filing paper work through a lawsuit. I do not wish to do this but I feel this will be my last option.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-03-13
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: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I purchased a bike on my chase visa debit card online for in store pickup at XXXX XXXX goods. I paid {$220.00} and a hold was placed on my card for this amount and the charge would formally go through when the bike was picked up. I was unable to pick the bike up within 48 hours so the order was canceled. The hold was removed and I was never charged for the purchase. On XX/XX/XXXX I purchased the same bike at the same XXXX XXXX goods online for in store pickup on the same card. This time I paid {$230.00}. Again a hold was placed on the card. My husband went to pick the bike up that evening and the girl checking him out saw on the account we had previously purchased that bike but our order had been canceled. She offered to price match and give my husband the lower price for the bike. She assured him he would not be charged twice. On XX/XX/XXXX I checked our statement and realized we had been charged twice. I contacted XXXX multiple times who told me they would get back to me. Multiple times they told me it was taken care of and I should see the refund in 3-5 business days. When I never received the refund I contacted Chase. They opened a case and investigated it. They came back with conclusion that this was 2 separate orders and the charges were valid. In the meantime, I received an email from XXXX stating that they determined the first order was never picked up and they had processed a refund in the amount of XXXX to my chase visa debit card. I never received this credit. I contacted chase again and they opened another case. I provided the transaction ID from XXXX for the refund and Chase still came to the conclusion that the charge was valid. I called XXXX again and they again provided me with an email receipt showing the date and amount the refund was processed ( {$230.00} on XX/XX/XXXX ) and again provided the transaction ID. I faxed this yet again to chase and they are still stating they will have to review the case and contact me. It has now been 2 business days and they stated they would get back to me in one business day. Its also worth noting that on XX/XX/XXXX I went into a Chase branch and tried to get a resolution and the banker took my information and assured me someone from the escalated claims department would contact me in 3-5 business days. No one ever contacted me. Its absurd to me that a bank can keep my money which was refunded to me by the merchant. Also, Chase came to the conclusion that the charge was valid when I provided them with proof from the Merchant that the merchant was admitting the charge was not valid. Im frustrated and want my money back.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (AR)

Dated XX/XX/2022, reduced amount $ XXXXThe debt is not accurate. The company did not send verification of debt. Resent collection statement months later. Dated XX/XX/2022, reduced amount {$5900.00}
Consumer complaint received 2021-03-17
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: Cadence Bank (TN)

I have a bank account, line of credit, and credit card had been open in my name that are all fraudulent with BancorpSouth. Bank account have a balance of {$370.00}, Line of Credit have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted XXXX and XXXX  about this issue and have received the same inaccurate results.
Consumer complaint received 2020-08-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (FL)

I had a vehicle loan with HMF that I was paying off at an accelerated rate by making extra payments. I decided I wanted to pay off my entire loan in one lump sum. When I contacted HMF to receive a payoff quote, I was told that some of my previous payments were being held " in suspense '' because of how far ahead I was on my payments ( roughly 22 months. ) I was unable to get an accurate payoff quote because of this. I was told to generate the payoff quote online, payoff the amount that was shown, and that any overage would be sent back to me as a refund once the loan was paid off. 

I generated a payoff quote on HMF 's website on XX/XX/2020. The payoff quote was {>= $1,000,000}. I knew this amount to be higher than what I owed but again was assured it would be handled by the payment processing department. I wrote the check, sent it in the mail to HMF. 

I received correspondence from HMF on XXXX XXXX from a gentleman that was assisting me in getting the payments that were being held in suspense cleared. He informed me via email that he was able to do so and that my payoff quote should now be correct. I had already sent the check in the mail by that point but generated another payoff quote online just to confirm. The payoff quote generated on XX/XX/XXXX after payments were applied properly was {$9000.00}. This is about what I expected the payoff quote to be so I felt confident that all issues had been resolved and that the difference would be handled when the loan was finalized. 

I received a letter in the mail from HMF that my loan was now paid off and I was able to receive my title from the DMV. I have contacted HMF numerous times over the last few weeks to get an update on my refund. Each time I am told that there has been no update from payment processing and there is nothing further they can do. 

The difference between what I sent to HMF ( {$10000.00} ) and what my corrected payoff quote amount was ( {$9000.00} ) is {$1000.00}. That is the amount I am owed from HMF. 

The last correspondence I have from HMF was on XX/XX/2020 from the same gentleman that was helping clear my payments via email. He confirmed that I would be receiving a refund and that he was " working on the refund now '' but explained that due to COVID19 accounts payable is working from home and processes are behind. I feel that I have been more than patient during this time and would simply appreciate an update on this situation and would like to receive the money I am due. 

Thank you for your attention to this matter.
Consumer complaint received 2021-03-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Brown and Joseph, Ltd (TX)

We have insurance through XXXX financial for business and its being withdrawn with auto pay, suddenly we are receiving repeated calls from this debt collector ( listed below ) for unknown numbers, we are going through tough times and spent last 2-3 months with multiple 911 calls and hospital due to XXXX and this company keep calling during the entire time and sending threats, last chances and all those wording! when responding to their email the person does not exist and email got returned! 

Please take an immediate action against them while we continue to check with XXXX and resolve this issue once time permit. 

XXXX XXXX Toll Free : XXXX x XXXX Direct : XXXX FAX : XXXX Brown & Joseph , LLC Accounts Receivable Management Firm Credit and Collection Specialist XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois, XXXX Thanks XXXX XXXX
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 30 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (FL)

XXXX XXXX XXXX {$1100.00} Wakefield and associates {$1600.00} I don't know where these are but I am a victim of identity theft and in there are a whole bunch of of accounts that I don't know about including these two. They said it was for XXXX XXXX XXXX I believe that someone has my ID and social security card which I had lost and use my name. I don't know why but this is not acceptable. I called XXXX XXXX XXXX XXXX and they gave me this information. I seen it on my credit report and I told them that I did not know what these files are but they just told me that I need to pay. I'm not going to pay for something I didn't receive. Please help. Thank you
Consumer complaint received 2023-01-01
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: Affirm Holdings, Inc (GA)

I opened this account on XXXX XXXX, the company told me before I purchased the product that they will report my payments to the credit bureau as long as I make my payments on time. It has been 9 months later and have not reported anything. So, XXXX XXXX I stopped making payments now the company calls, emails me, sending multiple text messages to my phone number on file stating that MY LULL PURCHASE HAS BEEN REPORTED DELINQUENT AND MUST BE RESOLVED. AFFIRM is the loan company I've Called on XX/XX/2022 Spoke with XXXX, CASE ID # XXXX, Called again on XX/XX/2022 Spoke with XXXX CASE ID # XXXX, Last time I called was on XX/XX/2022 Spoke with XXXX. They all have told me they will resolve it but never did.
Consumer complaint received 2020-03-13
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. (GA)

For EQUIFAX to be oldest CREDIT reporting agency ... .they seem to be the WORST and are constantly breaking the FCRA laws and not adhering to what the laws state! I am a victim of IDENTITY THEFT and XXXX XXXX acct # XXXX ... .has been proven to be a FRAUDULENT account yet EQUIFAX continues to report it but the other 2 bureaus are NOT reporting it because it is FRAUD. I am attaching the FTC fraud affidavit that has been submitted in 2019 ... ... the second account listed on the report is XXXX XXXX!!!!! EQUIFAX has failed to report any of the proper accounts that do belong to me ... ..but has continued to report this BS fraudulent account that has kept my credit score in the DUMPS ... ..my other 2 scores are around XXXX and EQUIFAX is super XXXX LOW because of it!! Equifax STOP BREAKING THE LAW AND REMOVE THIS ACCOUNT!!
Consumer complaint received 2022-12-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

Hello Equifax, I have tried mailing in my dispute for this XXXX XXXX XXXX account however I sent this in Early XXXX and have not received a response. So I'm now writing this complaint to get this account removed. I have attached all the Documents for this to be suppressed.
Consumer complaint received 2020-03-13
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. (AZ)

I am having trouble with Experian getting chapter XXXX bankruptcy information off my credit report even though it has been over 10 years since it was discharged. In my bankruptcy, I reaffirmed my mortgage with XXXX XXXX   XXXX and it was never discharged through bankruptcy. There is no bankruptcy in my public records portion of my credit reports but in the mortgage section it shows this information and I was recently denied credit because of it. Also, I am still paying on this loan and Experian, XXXX, and XXXX are not reporting all the on time payments I have made on this loan for years now. They all three show that I have no mortgage which is not true. I disputed this bankruptcy information being on my credit report for over ten years with Experian and it is still on my report. I need all three credit agency 's to show my years of on time mortgage payments and that I do have a mortgage and it was not discharged through bankruptcy. Can you please help me?
Consumer complaint received 2021-03-17
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: CREDIT ACCEPTANCE CORPORATION (PA)

XXXX XXXX Reported : XXXX XXXX, 2021 {$190.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contract exist ... account was settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2020-03-13
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: HW Holding, Inc (CO)

Hello, So I have a collection agency Hunter Warfield and XXXX   refusing to remove a collection on my record that is not mine. All other reporting agencies have removed this fraudulent collection. XXXX   is still illegally trying to collect from me. I live in a state with another with a similar name, XXXX XXXX. I looked further into this and the account looks to be owed in full by a XXXX XXXX. I did not live in this home. I have never received any type of notice that a collection was being placed or needed to be paid. I found out about this by looking at XXXX XXXX. I have tried to resolve this with both XXXX  and Hunter Warfield. But they refuse to listen or look further into it. This collection is not mine and is the reason I am currently homeless and unable to purchase or rent a home. I can provide a lease to show I was not living in this home at this time.
Consumer complaint received 2022-12-31
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: ENCORE CAPITAL GROUP INC. (MD)

UNAUTHORIZED INQUIRY ON CONSUMER REPORT this company obtaining my XXXX consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my permission, or without a permissible purpose by law, they are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( I ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A I have not initiated any transaction with Midland Credit MGMT. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Midland Credit MGMT.
Consumer complaint received 2021-03-17
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. (TN)

I have a bank account, line of credit, and credit card had been open in my name that are all fraudulent with XXXX. Bank account have a balance of {$370.00}, XXXX XXXX XXXX have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted XXXX and TransUnion about this issue and have received the same inaccurate results.
Consumer complaint received 2020-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (GA)

The issue happened at approximately XXXX on XX/XX/2020. I tried to transfer {$12.00} from paypal to my bank account. I have done this many times before without any issues or fees. It somehow defaulted to a fee option which charged me for an immediate transfer which I did not need immediately. They did not make this a concious selection and they need to make it obvious what the fee amount is going to be.
Consumer complaint received 2021-03-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

I had a severe XXXX XXXX during my XXXX and fell behind due to complications. I was offered 2 month extensions ( 6 of them ) from XXXX to maybe XXXX. 

When the pandemic hit, I lost my business and employment. They offered me 2 extensions however there is still a pandemic and the entire economy is struggling. 

They have offered me a hardship modification which includes the SAME RATE, SAME PAYMENT and increasing my balance from XXXX to about XXXX additing 2 additional years to the maturity date saying I used all my extensions. 

I made a payment on XX/XX/XXXX as I confirmed with 11 employees that as long as it is made in the last day of the month they do not report late. They reported me late and dropped my score XXXX points which affected my ability to obtain financing for my business and recover from additional hardship. 

I spoke to XXXX, compliance Specialist who told me our business hours are XXXX Central time. So you made your payment after our business hours. " IF YOU GO TO XXXX 'S AFTER BUSINESS HOURS THEY ARE CLOSED. '' I ASKED WHERE YOU OPENED ON SUNDAY AT XXXX CENTRAL? HE SAID NO WE DON'T HAVE EMPLOYEES HERE '' NOT A GREAT WAY TO PUT THINGS! I have been told 11 times as long as the pay is done before next day we will not report it. And it was!
Consumer complaint received 2023-05-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I am writing to bring to your attention a pressing matter regarding my loan obtained from Service Finance Company. I entered into a loan agreement with the company with an initial principal amount of {$20000.00} and an interest rate of 9.99 %. Despite making timely payments, I have encountered a concerning issue wherein my principal balance has been steadily increasing since the initiation of the loan.

To date, I have made all payments promptly and have never exceeded the due date. Furthermore, I have taken the initiative to make early payments, demonstrating my commitment to fulfilling my financial obligations responsibly. Despite these efforts, my principal balance has inexplicably reached an alarming high of {$20000.00}. This indicates that my payments have been consistently applied towards interest alone, while the principal balance remains untouched.

This issue is not unique to my situation, as similar complaints have been reported by consumers. This pattern suggests a systemic problem within Service Finance Company 's loan servicing practices, warranting immediate attention and intervention from regulatory bodies such as yours.

I kindly request that the Consumer Financial Protection Bureau launch an investigation into the practices of Service Finance Company to ascertain the reasons behind this alarming discrepancy. I believe that such an inquiry is necessary to protect consumers from potential predatory lending practices and ensure compliance with fair lending standards.

I have attached copies of all relevant documentation, including my loan agreement, payment receipts, and any correspondence exchanged wit

h Service Finance Company. These documents should serve as evidence supporting my claim and aid in your investigation.

I appreciate your prompt attention to this matter, as it directly affects my financial well-being and raises concerns about the integrity of Service Finance Company 's lending operations. I trust that the Consumer Financial Protection Bureau will take swift action to address this issue and protect consumers ' rights. 

Thank you for your time and consideration. I look forward to a favorable resolution of this matter.