davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC (CT)

There are too many dates to document however here are a few XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/XXXX, on and on. In addition they have called my ex-husband, my daughter, one of my sons and a sister. I have repeatedly asked them to tell me who they are, who the collector is, and asked them not to call me and my family. They refuse to divulge any information until an address is verified and they get the last 4 numbers of my SS number. I am not comfortable with this due to having my identity " stolen '' through health insurance company, Target breach and IRS breach. 
I decided to finally give the info and attempt to work out an agreement. It was a male caller with a XXXX name that I unfortunately did not write down. I gave him a bit of push back regarding my SS # but then gave it. He spoke so fast I could barely follow his script. He was aggressive and harassing in his manner and statements. Repeatedly saying " this is a breach of contract '' I told him I fully understood what this was and he had made the statement 6x and to please stop because it was completely unnecessary and harassing. I asked him if I could just set up a payment arrangement or did he have to send me paperwork. He again spoke so fast I could not follow and again began with harassing statements. I told him I was about to hang up and I didn't want to speak to him. He told me to hold on and he would get a supervisor on the line. I held on for several minutes and he kept coming back saying hold on. I told him I was about to hang up. He again started with his script and I hung up. I called back to get the company name and address and was hung up and disconnected. It took two additional calls to get the information.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

I ordered two items from Wayfair using their store credit card. The items came and they were defective. Wayfair refused to work with me to return them. One was a chair and the other was a cat tower, so it would have been outrageously expensive to return them. Also, I didn't realize they were defective until I spent hours doing my own assembly. I certainly didn't want to take them apart and try to box them up again. 

Next, they never sent me my credit card, so I was unable to set up an online account for months because I didn't know my account number. I called them three times and they wouldn't help me because I didn't have an account number! They also never sent me any paper statements.

They also do not allow for automatic payments by using their online system. They also don't send notifications. Basically, they make it impossible to pay the bill. I own a small business and I have MANY credit cards. They are all on automatic payment because I'm not going to keep track of thirty cards. I'm NEVER late with payments and I can prove this. 

However, this company uses deceptive and illegal business practices to keep customers from paying on time so they can keep charging {$35.00} fees each month. It's over a year later and I owe them MORE now than I did before for items that I can't even use! 

After months of trying to work this out, I just sent them a letter stating that I no longer wanted to do business with them, so would they please remove the {$140.00} in fees. As soon as they did so, I would pay them IN FULL! The refused. I do not owe this {$140.00}. These fees were accrued because of mistakes made by Wayfair, not by me. I wanted to pay them, despite their inferior merchandise, and pay them on time just like I do every other card that I have. 

I just want the fees removed so I can issue them an online payment for the remainder I owe and I can be done with them and their horrible company. I now have to incur even more expenses getting rid of this huge XXXX inside my home. My waste management company won't even haul it away without me paying them huge disposal fees. 

Warm Regards, XXXX XXXX
Consumer complaint received 2019-08-22
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. (MA)

Dear Federal Trade Commission, I have written to Equifax on several occasions disputing the fact that the items listed below are incorrect. The credit bureau has either refused to respond, sent a frivolous letter, sent a working with a credit repair company letter, or continues to state that they have verified the debt. Let this be a formal complaint against the Equifax. The following accounts are the items the credit bureau has refused to investigate. 
Account 1 : Account Name : XXXX  Account Number : XXXX Date opened : XX/XX/XXXX Account 2 : Account Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX I am a victim of identity theft. These 2 accounts NEED to be removed from my report.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I have notified XXXX, XXXX, & Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these UNAUTHORIZED inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section XXXX of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-07-07
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: ALLY FINANCIAL INC. (MD)

To Whom it May Concern, Ally Financial is displayed on my credit reports as an inquiry.

( a ) I did not apply for any loan with ally financial ( b ) I never inquired about any services with ally financial and it is likely someone else used my information in an attempt to apply for this loan.

( c ) This is not me that applied for this loan. Delete from my credit report.
Consumer complaint received 2023-04-06
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

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 2021-07-07
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. (FL)

I just check my credit through XXXX 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2021-07-07
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: CITIBANK, N.A. (NY)

These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft CBNA/BBY Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX  XXXX Account Number  : XXXX This is not mine. 

3. Identity Theft CITICARDS CBNA Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Tried to close an account, banker kicked me off the chat for saying the bank XXXX. Thus the banker punished me for trying to close the account and I now I have to spend more time trying to close this account. Below is the chat that is timestamped from HSBC. 

XXXX - XXXX XXXX  Close the account Now ASAP I want the money transferred to a savings account Your bank XXXX XXXX - XXXX XXXX  Since your inappropriate language/comments are continuing after being asked to refrain from doing so, I will be ending this chat. 
Conversation closed by the agent - XXXX XXXX
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (VA)

In XX/XX/2020 to XX/XX/2020, my regular mortgage payment was rejected from Santander saying they did not know what account to apply the payment too. I was not aware of this until receiving a notice that I did not make my monthly payment. The money was showing out of my account via an ACH payment. I called my bank that the payment originated from and they confirmed it was sent the same way it has always been previously sent. I contacted Santander customer service and told them that the money was showing as paid and our of my account. They had me submit an email to start an inquiry and showing the payment from my account. This inquiry went no where. I received some letters stating that they needed time and we're looking into it, but nothing else. In the mean time, near the end of XXXX, the money was returned to my account and that is when my bank told me it came back saying it did not know what account to add the payment too. Since I did receive the money back, when I made my next payment, I doubled it with this returned money. Same thing happened, and I again called customer service when I received a letter stating I did not pay. They kept telling me to just pay my mortgage, not listening to the fact that I did and it was being rejected though my bank said it was being paid the same as before. This payment eventually came back as well. The bank making the payment stopped ACH payments and started sending them by check instead. Have not had issues after. Nothing came of the inquiry I submitted. I was only out around {$40.00} in late fees which was not worth my time to dispute but I have now noticed that they reported on my credit score that I had a late payment. This is false and needs to be addressed.
Consumer complaint received 2020-12-13
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. (CA)

The 3 credit bureaus have kept this account open for the last couple years without verifying AFTER I sent them MULTIPLE letter asking for them to verify and THEY CAN NOT. 

This is with XXXX XXXX XXXX for the amount of {$1100.00} One XX/XX/2020 I sent 3 letter to all 3 bureaus. 
One toXX/XX/XXXX One to XX/XX/XXXX And one to Experian And they are not verifying anything. Section 609 requires them to verify and since they are not verifying they must REMOVE from my account IMMEDIATELY. 

I AM TIRED OF THIS.
Consumer complaint received 2020-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX tells me capital one is the one updated my account to a derogatory account then capital one tells me they sent the up update to the credit bureaus. My account is not suppose to have any derogatory on it due to fraud. This in reference to my Walmart/capital one account.
Consumer complaint received 2020-07-24
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: Security Credit Services, LLC (WA)

On XXXX I received my dispute results from experian report number XXXX. { see attached X-1 } I had disputed the account from Security credit services account number XXXX for a major violation of the fair credit reporting act for re-aging the debt. Security credit services has validated the on record date of XX/XX/XXXX. XXXX  also allowed this to remain on the record without properly investigating it. On XXXX I received my dispute results from experian report number XXXX { see attached X-2 } I had disputed the account from security credit services account number XXXX for inaccurate info but the on record date Until XX/XX/XXXX. Security credit services has willfully made false statements to XXXX  about the age of the debt. XXXX  has failed to investigate properly on my behalf and is in violation of the Fair credit reporting act. the debt has been re-aged and must be removed from all credit reports.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NY)

I applied for the card was approved. No where on the application said {$150.00} annual fee the first year then {$29.00} every year after. 
I called the card people they said its nothing they can do. I asked to speak to a supervisor the same thing. After I used the card and XX/XX/21 I saw the fee. I would have never used the card if I knew their was an annual fee. 
I called them on XX/XX/21 asked them to close the account. They said I had to pay the {$150.00}
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (AZ)

There is an entry into my experian credit report from XXXX XXXX XXXX XXXX showing a charge off and a balance owed of XXXX which is completely wrong. When I called the bank they agreed that I had paid this account in full and owe them nothing which I have a confirmed letter stating the same however I have not been able to get corrected on the Experian credit report and it is lowering my XXXX XXXX. This has been going on for XXXX months now and it is still not fixed.
Consumer complaint received 2022-06-10
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: HYUNDAI CAPITAL AMERICA (FL)

My credit report is reporting a late payment in 2017 from Hyundai motor finance. Ive mailed them, called on several occasions to dispute this issue. I have disputed the issue with the credit bureau as well and this will be my second complaint through this portal, in which Hyundai Motor finance responded and said they would resolve. Its now a year later and Im trying to purchase a home and this late payment which is incorrect is still showing on my credit report.
Consumer complaint received 2020-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First National Collection Bureau, Inc. (TN)

I have been threatened and cursed at by both the credit card company and the collection agency. Since having to deal with this rude behavior I want this account deleted from my report or an offer of 75 % of the payment along with a deletion of this account from my credit report.
Consumer complaint received 2020-12-13
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: EQUIFAX, INC. (CA)

The 3 credit bureaus have kept this account open for the last couple years without verifying AFTER I sent them MULTIPLE letter asking for them to verify and THEY CAN NOT. 

This is with XXXX XXXX XXXX for the amount of {$1100.00} One XX/XX/2020 I sent 3 letter to all 3 bureaus. 
One to XX/XX/XXXX One to equifax And one to XX/XX/XXXX And they are not verifying anything. Section 609 requires them to verify and since they are not verifying they must REMOVE from my account IMMEDIATELY. 

I AM TIRED OF THIS.
Consumer complaint received 2023-03-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (LA)

They kept repeating the same paperwork over and over. I repeatedly had to resend my personal information and still to no prevail. I recently filed XXXX  and was making payments of XXXX and now their lawyer steps in and now they wants to increase it to over {$2000.00}. I told the XXXX attorney that I can't afford to pay that amount. Their words were, can you get some family members to help. I feel I am being forced out for the land. They ate fixing to build a grocery store next door and the surveyors marked over the land.
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MI)

On XX/XX/XXXX, I was charged {$490.00} for an appraisal. 

On XX/XX/XXXX, XXXX XXXX promised to cancel refinance and refund appraisal fee for appraisal which never occurred. 

XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX ignores consumer pleas as to lack of refund.
Consumer complaint received 2018-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

This company has repeatedly called and left numerous messages even after I communicated that I do not owe this debt. It is a medical debt and I never gave them permission to access or discuss my medical information and is a violation of HIPPA. I have ask the company to validate the debt and provide me with a contract between myself and this collection agency and to date I have not received anything.
Consumer complaint received 2023-03-22
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: Spring Oaks Capital, LLC (CA)

Name : SPRING OAKS CAPITAL LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX ) XXXX Collection Cost : {$830.00} Debt : Credit Card Amount : {$830.00} Original Creditor : XXXX XXXX
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (FL)

I have had problem with the cards the fee are over 600 dollars my credit limit is XXXX I asked to close account long time ago but they dont want to close. I have problems paying for the last6 months but they dont want to give me an affordable amount to pay back