davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

Listen simply stated, I found an issue based on a store card through Synchrony back in late XX/XX/XXXX in which a rep from Synchrony advised me, that my interest payments on a long term promotional purchase was not being paid off the way I intended. She looked back over my card going back 2 and a 1/2 years to find interest charged and fixed it. She told me a setting was needed to make sure interest was paid off on promotional balances " First '' and I needed to set that up. Since this was NEVER brought to my attention, I was thankful and luckily at least that was fixed. SHE told me to check my other Synchrony based cards and I did to no surprise, finding similar interest issues. So I have contacted JCP Cards reps to get this resolved only to get canned responses and basically answers to questions that sound like they just deny me without even looking into my issue. NOW, reps are claiming that they have no notes from my older conversations and that even if I have claims going back to XX/XX/XXXX, they have been resolved, even though they can not cite to me how or produce proof why. They are basing their conclusions on NO NOTES. This is WRONG. I was promised an interest charge credit for XX/XX/XXXX for {$77.00} now going on a month and ALSO the XX/XX/XXXX interest charge of {$91.00} I still get a run a round answer
Consumer complaint received 2018-02-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

the credit reporting agency are not CONTACTING the creditors under the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ) The Following account below have incorrect HIGH BALANCE! ALL ACCOUNTS BELOW SHOULD REFLECT A {$0.00} ( XXXX ) HIGH BALANCE! 

1. XXXX XXXX XXXX # XXXX {$3300.00} 2. XXXX XXXX # XXXX {$680.00} 3.XXXX XXXX XXXX XXXX XXXX {$2500.00} 4.XXXX XXXX XXXX XXXX # XXXX {$4800.00} 5.XXXX XXXX # XXXX {$1000.00} 6.XXXX XXXX XXXX  # XXXX {$13000.00} 7.XXXX XXXX XXXX XXXX {$480.00} 8.XXXX XXXX # XXXX {$5000.00} 9.XXXX XXXX  # XXXX {$1000.00} 10.XXXX XXXX # XXXX {$41000.00} 11.XXXX XXXX # XXXX {$3600.00} 12. XXXX XXXX # XXXX {$1000.00} 13. XXXX XXXX XXXX # XXXX {$970.00} 14. XXXX XXXX # XXXX, This account was Opened XX/XX/XXXX Not XX/XX/XXXX Florida Federal Court -XXXX Docket # XXXX, The filing date of XX/XX/XXXX is incorrect! the correct filing date is XX/XX/XXXX
Consumer complaint received 2021-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (MD)

I started a new job on XX/XX/. I ended up having emergency XXXX XXXX XXXX a couple days later. I was out of work a couple days due to the XXXX. I have received one full paycheck in 4 weeks. One main financial payment was due XX/XX/XXXX. I explained to XXXX XXXX, on XX/XX/XXXX, I could only pay {$100.00} when I got paid because all my other XXXX 's were past due also. Then he asked me when do I get paid, I told him on fridays and I'm working on getting a third job so I could get out of the financial hole I'm in. Fast forward to XX/XX/XXXX. There was an debit from One main financial that I did not authorize for {$430.00} which over drafted my checking account {$350.00}. XXXX and XXXX XXXX, branch mgr, claim that they do not have the capability to debit my account from a well account. I've made multiple payments to them from my well account, $ XXXX, not $ XXXX because I'm making a third of what I used to make. I worked as a XXXX XXXX doing XXXX for the past 5 years. 25+ years in XXXX. And I've learned one thing there is a back door to everything. It is not a coincidence that my account was debited on a friday. They may not have the rights to do it from there office, but I'm sure they called or emailed someone to set up and electronic payment from my account. Because I surely did not do it. I didnt have the funds.
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (MS)

Ive written XXXX several times of proof when XXXX XXXX  was paid a {$1.00} this payment was never paid yet they said it was verified. 

Ive also requested the 1099-c XXXX XXXX used filing this debt as a charge with the Irs in reference to section 61 ( a ) ( 12 ) XXXX  i also requested the 1099-c for a charge off As well i have reported the inaccuracies across all bureaus nothing is being repaired XXXX  is still showing a balance DeptdXXXX is deferred in good standing, but showing negative on XXXX and XXXX
Consumer complaint received 2023-09-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (CA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the relentless harassment and abusive debt collection practices employed by One Main Financial. My objective in filing this complaint is to seek assistance from the CFPB in resolving this issue and ultimately requesting the waiver of the debt owed to One Main Financial due to the severe emotional distress and harm caused by their actions. 

To provide context for my complaint, I wish to outline the abusive practices and harassment I have endured at the hands of One Main Financial : Excessive and Unrelenting Contact : Representatives from One Main Financial have been incessantly calling, texting, and emailing me at all hours of the day, including weekends and holidays, with a frequency that is far beyond reasonable. These calls have disrupted my daily life and caused significant stress and XXXX. 

Violation of Fair Debt Collection Practices : I firmly believe that [ Creditor Name ] has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) through their abusive and unethical collection tactics.
Consumer complaint received 2019-04-25
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: RGS Financial, Inc. (LA)

RGS FINANCIAL IS REPORTING A NEGATIVE REMARK ON MY CREDIT REPORT. MY LAWYER AND I HAVE PREVIOUSLY ADVISED THEY DELETE THEIR NEGATIVE ITEM OFF MY CREDIT REPORT. ACCORDING TO THE ( FCRA ), they are to provide me SIGNED DOCUMENTS with MY signature on them, stating I OWE them the amount shown on my credit report. 

WHO IS RGS FINANCIAL? Ive never contacted them for anything. 

PLEASE DO NOT PROVIDE ME WITH ANY STATEMENTS WITH MY NAME ON THEM, NOR ANY IDENTITY INFO FOR VERIFICATION SUCH AS : name, address, date of birth or social security number. Im assure you are aware of the amount of identity theft there is in the country. 

I DEMAND REQUEST FOR SIGNED DOCUMENTS STATING I AGREED TO PAY RGS FINANCIAL OR ANY SIGNED CONTRACTS I HAD WITH THEM OR PROMPTLY STOP REPORTING TO THE 3 MAIN CREDIT BUREAUS ( XXXX XXXX XXXX ) THIS UNVERIFIED ACCOUNT IS PREVENTING ME FROM LIVING A FAIR LIFE. 

PLEASE PROVIDE ME WITH THE CORRECT VERIFICATION PROVIDED OR I WILL USE LEGAL ACTION IN COURT WHICH IS AWAITING!!!
Consumer complaint received 2023-06-14
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Longbridge Financial, LLC (OR)

I was in the application process, I was told I was required to pay for an appraisal and the counceling Longbridge staed they would need to collect XXXX and they did. In an eamiled I asked if there were any other fess XXXX XXXX the represanative stated no. After the appraisal was complete the compay wanted me to pay money to get the loan I was not interested so I inguired at a nother company XXXX XXXX XXXX I am currently in the loan process with them whne I asked to have my appraisal I was told I needed to pay another XXXX which I was unaware of I had already paid the approaisal fee, but in order for me to get the appraisal I had to pay the fee, when I called XXXX XXXX I stated my dis satisfaction in his lack of disclosure he was very indifferent about the " lie '' he stated it would have to be handled by a different department and they would contact me which they did and I was foreced to pay the fee to get my appraisal. He also whiched me good luch and stated that I was cute I am assuming that was based on my XXXX picture because we have never met. As a grown women I find this comment to be extremley offensive and his contact to be sneaky and deceptive. I am hoping you can help with this issue. I do not feel I should have to pay the extra {$370.00} for my appraisal. I have the emails as documentation. 

XXXX XXXX
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (AZ)

I am trying to purchase a home and my lender saw a derogatory mark on my credit report. It was from AWA collections from a past debt from XXXX XXXX XXXX. I signed up with them a year ago and they were going to charge me {$60.00} a month for insurance. After the first month it went up to {$120.00}. That was not what I signed up for so I canceled. Apparently they never canceled it and the debt went to collections. I have never received a letter or a call from AWA knowing that I was going to get a derogatory mark or that I was even in collections. I called a AWA today and they told me they could get it removed if I pay but because Im an escrow for a home I need a letter saying that this debt was an error and shouldnt have occurred in the first place. This is costing my family and I a lot of money and heartache. All I have to show is my policy and membership number. XXXX will not send me proof of cancellation and AWA will not send me proof of any bills or communications.
Consumer complaint received 2018-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (CO)

XX/XX/2018 Purchase for a XX/XX/2014 XXXX. Two checks post dated of which one check was honored and the other checked cancelled. The loan is now in default due to the cancelled check. Let XXXX XXXX know and they said no problem. Westlake Financial Services was assigned to the the loan in a separate letter attached to the contract. It states, '' Your contract has been assigned to Westlake Financial Services. During the next week, XXXX will contact you regarding your automobile purchase. Please make sure that you are available for this phone interview, which is required for the financing of your new vihicle. '' The interview never took place upon waiting for 3 weeks. The vehicle was taken back to the dealer on XX/XX/2018. The dealer said that could not be done, hence the keys and the car was left on their lot. What financial company buys defaulted contracts unless they are one and the same? Let XXXX be aware of the situation and they kept putting me on hold as they would contact the dealership. No resolution.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX Westlake Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo charge my account from XXXX XXXX XXXX, I paid my insurance through a different banking, and now Wells Fargo are delaying my fundings a close account, that I never close and kept my {$280.00}. I asked claim department to give me a pacific time when the funds will be available. Its been almost 2 weeks no results.
Consumer complaint received 2022-10-16
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: CCS Financial Services, Inc. (MD)

As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my name
Consumer complaint received 2020-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

This complaint was generated from numerous attempts to the problems with funds being transferred from the checking account and the violation of my rights as a customer. It is very disturbing to know I acted in good faith and was rerouted from the unprofessionalism and promises made due our conversation. It took months to supply me with a updated debt card and has caused negative issues to my credit report. Upon arrival of my new debit card reissued by the Citi bank it disclosed this card was used before and cant be activated. I would like to be compensated for the damage of my characteristics value. This is my demand for Remedy. Glory be thy name
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX ( XXXX ) DOB XXXX SS XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (NJ)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 informationisinaccurate
Consumer complaint received 2019-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I disputed with Transunion three accounts reflected on my credit report. I never opened those accounts. I have no knowledge of those accounts. And, I never used those accounts. Transunion refused to delete those accounts. 

Transunion 's report indicates that the accounts were open for about 60 days in XXXX - XXXX. I want those accounts DELETED from my credit report. 

Those accounts are : ( 1 ) XXXX DEPARTMENT STORES N # : XXXX**** : ( 2 ) XXXX/XXXX # : XXXX**** ; and ( 3 ) XXXX/XXXX # : XXXX****.
Consumer complaint received 2021-10-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Greetings, I would like to file a complaint against Portfolio Recovery. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Consumer complaint received 2022-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

Resurgent, claiming to be a debt collector, has sent numerous letters which everyone has been replied with 10 business days. 
The company has not given proof of validation, and regardless, they have reported this to my credit. 
This alleged debt was bought from a previous debit buyer and I have requested a history of this best. All I am receiving is a last statement from the situation company allegedly money is owed to. 
LvNV funding who is the debt buyer has already reported this, now this company is not only is not giving me sufficient paperwork and proof odmf debt, I have also reported identity theft to ftc, numerous time. This company keeps mailing me sets of 8 different packets each with different responses I am not going to give information or my social security asking they stop this communication method and stop the threats while they have dinged my credit. 
This account was a charge off in 2019. 
The I formation states these are not original account statements and has been provided by LVNV,. Now this has been bought and sold so many times that I have no idea where this is coming from. I keep records and letters sent to these types lf agencies. 
Although they say thus matter will be reported it already has I believe by tow agencies .please stop this .I am a spouse of an XXXX XXXX military and these people are ruining my credit Thank you
Consumer complaint received 2022-10-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Default and Opportunity to Cure Re : Portfolio Recovery Associates , LLC ( XXXX ) Case : XXXX To whom it may concern ; This is in reference to Portfolio Recovery Associates , LLC ( XXXX ) response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 
I respectfully requested Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
The Federal Law is quite clear about requirements imposed on Debt Collectors. 
15 USC 1692a ( 2 ) - states= The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium, which will include the three major credit reporting agencies. 
Being that I dont have a contract with your company regarding the Consumer Credit Transaction you should have never been allowed to have and share my Nonpublic Personal Information. Which is an infringement of my Federally protected Consumer Rights. 
I requested your company Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist the sharing of my Nonpublic Personal Information and your response was We ceased all communications regarding the XXXX account unless otherwise permitted or required by applicable law. 
There isnt any law that will Permit or XXXX Portfolio Recovery Associates , LLC ( XXXX ) to continue to share a Consumer Nonpublic Personal Information after the Consumer has requested Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist, which is a violation of my right. 
15 U.S. Code 1611 - Criminal liability for willful and knowing violation 15 USC 1611 ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 USC 1611 ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, Your company Portfolio Recovery Associates , LLC ( PRA ) failed to honor my Cease and Desist request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. 

I am attaching valid proof that Portfolio Recovery Associates , LLC ( XXXX ) violated my consumer rights. I hereby grant Portfolio Recovery Associates , LLC ( XXXX ), the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer I will not hesitate to escalate this matter to a Federal Complaint if Portfolio Recovery Associates , LLC ( XXXX ) decides to ignore my request. 
Yours Truly, XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WA)

I sent a cancel request via Experian website. They were unable to close my " free '' account that is rushed with ads, so they instructed me to call. I called in this morning and was told they would not close my account. I've sent close to XXXX requests this morning asking for it to be closed with nothing but negative responses. 

Predatory, criminal, and incredibly annoying. Experian needs to be completely overhauled in the XXXX, I have NEVER been less satisfied with a service. Especially a " free '' one.