davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NJ)

In XX/XX/2019 I opened an account with the store XXXX XXXX XXXX with the belief I would receive 12 month promotional financing for the purchase of cabinets which was advertised on the stores website. After the purchase of {$1500.00} I found out on the bank website, Synchrony bank who did the financing, I received 6 months financing. The last payment I made was on XX/XX/2019 however the payment was made electronically and was not posted until 4 days after the promotion expired. Now I am being charged {$170.00} in interest fees. This is undoubtedly false advertising and the store is at fault.
Consumer complaint received 2019-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I requested three regular ticket from XXXX and XXXX on XXXX XXXX for a trip XXXX  XXXX on XXXX XXXX, the ticket was supposed to be issued right away, but was issued a day later, not allowing me to cancel it within the 24 hours as allowed bu US law, even I asked for it to be canceled. I called XXXX and XXXX I told the credit card usage was unauthorized. 

I was sold a consolidator bulk ticket not a regular ticket, something never agreed upon. 

Few days later XXXX XXXX announced that they went out of business, I contacted them for a refund, XXXX XXXX said that they had a reservation which was canceled but XXXX issued the ticket as cash, and XXXX charged me separately for it, therefore XXXX XXXX didn't owe anything. Capitalone was contacted and they played hard to initiate a dispute, after I emailed their executive department, on XX/XX/XXXX they replied on XX/XX/XXXX that they will initiate a dispute, I never authorized XXXX  to purchase the tickets as cash and never knew that they sold a consolidator ticket. 

Capital One right away gave a hard time. After pressed to open a dispute, I contacted the CA Attorney General against XXXX for making unauthorized charge in my account and fraudulent charge, they put I dispute on and today XX/XX/19 I was rebilled for the fraudulent charge because Capital One does not want to rebill the merchant. They were explained from the beginning that fraudulent charged limits me for up to {$50.00} but CapitalOne said that their credit card division is based in XXXX and only follow XXXX law. I applied, got and always paid to CapitalOne USA, never did any business whatsoever with XXXX.
Consumer complaint received 2019-11-03
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 (UT)

There was a collection account placed on my XXXX credit report on XX/XX/XXXX with a balance of {$1800.00} by Portfolio Recovery Services. The original creditor is listed as XXXX XXXX XXXX whom I have NEVER heard of. It is listed that the account was opened in XX/XX/XXXX. I have not opened or applied for any credit accounts in the past year. This is not my account and I do not owe this company any money. I have never received any written or verbal notice of this account either prior to or after it was placed in collection therefore this has been my first and only opportunity to dispute this. I was part of the XXXX data breach as well as a XXXX XXXX XXXX XXXX data breach. I have disputed this directly with XXXX as well as attempted to dispute it with Portfolio Recovery Services
Consumer complaint received 2019-11-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NowackHoward LLC (GA)

I received a notice from NowackHoward collections on XX/XX/2019 to pay attorneys fees in addition to an HOA fee past due, for total of {$570.00}. Per the letter, a lien on my property is being sent to the Clerk of Court. 

Notification was NEVER sent/received from the HOA or management company that I was past due. They went direct to collections without sending a late notice. 

Subdivision/HOA is XXXX XXXX and XXXX XXXX XXXX XXXX , XXXX. ( Subdivision is located in XXXX, GA ). 

I have contacted the collections group in writing via email to resolve this issue. In communicating with other residents, they did not receive a late notice either. 

A check had already been mailed to the management company, which included the amount due plus late fee.
Consumer complaint received 2019-11-03
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. (FL)

On XX/XX/2019 I sent a letter to Equifax notifying them that XXXX XXXX had made an error on my credit with the closed card ending XXXX. As they had incorrectly reported late payments and a charge off on my credit. They said they would investigate, upon investigation Equifax claimed that the company verified the information was correct which according to XXXX XXXX in their response was not so. Instead XXXX XXXX stated that they have repeatedly asked Equifax to remove the negative information and they have ignored them. This leads to my complaint. If the company that reported the information is telling the CRA ( Credit Reporting Agency ) that the information is incorrect! and the client is also telling the CRA the same, why wont the CRA remove the information?! I have repeatedly informed Equifax how their furnishing of this adverse information has impacted me and caused me to be paying substantially high interest rate on credit cards and even being denied credit. Equifax does not care! I sent another letter again on XX/XX/2019. Finally on XX/XX/XXXX, after being denied one final time by a creditor I decided to take the final step by sending the response of XXXX XXXX through the CFPB and XXXX, which clearly states Equifax needs to delete the information ; and Equifax is now telling me that they need to verify my identity. Why? I have sent multiple copies of my Social and Drivers License to verify my identity, however they have decided to take this unethical tactic because they do not want to fix the problem. Hopefully by making this complaint through your agency ( CFPB ) Equifax will actually listen for once and do what the creditor and client has requested to do for the last 6 months!
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Hello My Name Is XXXX XXXX. 
I would like to remove any fraud alerts on XXXX, XXXX or experian. I have tried calling up each company directly and the computers that answers these phone calls go around in circles. 

No fraud alert is needed on my account so if any company has my name as a fraud alert I would like it removed. I am trying to apply for things and It is saying I have a fraud alert. Hopefully with this being said this can be resolved. If any questions or concerns to verify I am really me please feel free to call me or e-mail me on information you have as my contact.
Consumer complaint received 2017-11-03
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. (TX)

My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my XXXX Account : XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXXThe Following was not authorized on my Equifax or XXXX account.
XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Hello My Name Is XXXX XXXX. 
I would like to remove any fraud alerts on XXXX, equafix or XXXX. I have tried calling up each company directly and the computers that answers these phone calls go around in circles. 

No fraud alert is needed on my account so if any company has my name as a fraud alert I would like it removed. I am trying to apply for things and It is saying I have a fraud alert. Hopefully with this being said this can be resolved. If any questions or concerns to verify I am really me please feel free to call me or e-mail me on information you have as my contact.
Consumer complaint received 2019-11-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mobiloans, LLC (MI)

XXXX XXXX XXXX of XXXX also known as Mobiloans , LLC has reported a closed charge off on my credit report for XXXX. I disputed this account several times and never get any debt validation or response from them about this account they are reporting negligently. I was threatened by a customer service rep and their compliance manager that they didnt care that I was military or a federal employee and that they would keep their illegally high interest rate loan appearing in my credit report in an effort to damage my credit report and that they didnt have to abide by federal or military laws because they are a tribal lender and they only obey their tribal laws. I researched to see how many other people have had this same problem with this tribe and come to find out they are restricted and not even licensed to loan or report in several states. They arent even allowed to do business with government or military personnel because they charge illegally outrageous loan rates. Please see the attached images of the class action lawsuit which includes Mobiloans , LLC XXXX XXXX XXXX for racketeering. Please see the consumer alert at the link below. XXXX XXXX XXXX-not-licensed-XXXX
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello My Name Is XXXX XXXX. 
I would like to remove any fraud alerts on transunion,   XXXX  or XXXXXXXX I have tried calling up each company directly and the computers that answers these phone calls go around in circles. 

No fraud alert is needed on my account so if any company has my name as a fraud alert I would like it removed. I am trying to apply for things and It is saying I have a fraud alert. Hopefully with this being said this can be resolved. If any questions or concerns to verify I am really me please feel free to call me or e-mail me on information you have as my contact.
Consumer complaint received 2019-11-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Franklin Collection Service, Inc. (GA)

The original dept was with XXXX  for bill balance. The dept was sold to Franklin dept collections who contacted my parents who are not in good health to try to collect the dept. The dept has been removed from my report numerous times. Our service now is with XXXX. In my mind now this is just noise because XXXX paid the bill for us to move service to them. 

Please remove from report Thank You
Consumer complaint received 2022-09-26
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having a bankruptcy on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 



XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Company has incompetently handled my application for loan refinancing. After completing an appraisal on XXXX XXXX, I could not get an updated status on the my application as the appraisal was " pending submission '' from the contracted firm. Upon finding the information of the appraisal company in XXXX, I learned that the lender cancelled the appraisal without justification. I shared this information with my new loan processing officer who again continued with inadequate updates until I escalated daily calls with lender. We finally received our XXXX appraisal on XX/XX/XXXX. Of course, the firm made us resubmit new financial information and took out another hard credit inquiry because of the expiration of documents. The frustration continued again when our loan development halted again to re-certify the XXXX appraisal on XXXX XXXX. Today, on XXXX XXXX, we were scheduled to close, and I received a frantic call from the notary saying they could not proceed with the closing as XXXX had not submitted the paperwork. We started the refi process in XXXX, and 6 months later, we have still not closed. The mortgage loan officer information is below : XXXX XXXX Mortgage Loan Originator Office - ( XXXX ) XXXX Email - XXXX XXXX Mortgage Licensing System ID # - XXXX Conditional approval letter shows approval on XX/XX/XXXX. This is the longest loan I have ever seen process. 
I believe the firm is leading me on to collect more interest since the previous loan has a higher rate. This is predatory behavior and the firm has not given me resources to escalate.
Consumer complaint received 2022-09-26
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-07
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the rights 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.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX Ive asked each company to stop calling this is harassment and I would I like any debt it say I owe cleared however each company shows written off on my report and they are still trying to collect extra money from me after they have already reported the amounts as a lost to the IRS this is tax fraud
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A XXXX XXXX XXXX charge was not authorized in the amount of XXXX dollars that was a deposit. Capital One charged my account for XXXX dollars and every time I call in to dispute the transaction hold/deposit charge they never return the money and they dont take the charge seriously. They also have bounced money transfers within the credit card and auto loan payments I have tried to make always on time.
Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (TX)

A lease was generated for a Washer and Dryer from XXXX XXXX ( order number XXXX ) and it was for a set of blue washer and dryer. See invoice attached for the specification of both machines. 

Upon measuring my closet, I realized the machines we're not going to fit, so I did NOT accept delivery or pick up these machines. I reached out to Acima to elaborate on the issues I've had and Acima responded with a rental contract for the machines, as it is in direct correspondence of the blue washer and dryer ( see invoice for correlation ). 

Acima is wrongfully reporting to my credit bureaus and pursuing an alleged rental agreement for this blue washer and dryer which I did not receive or ever have in my possession. 

Acima is and continue to cause me stress and anxiety and refuses to comply. I also reached out to the company that created this agreement and invoice, and they refuse to work with me. 

See the invoice for the machines and notice no signature for delivery. Additionally, notice the corresponding lease agreement numbers on both documents.
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BERKSHIRE HILLS BANCORP, INC (MA)

In XXXX of last year our bank, Berkshire Bank sold our mortgage to a company that services our mortgage. The " new '' company has Berkshire Bank on their letterhead and when we call them the phone is answered " Berkshire Bank ''. We have tried to go to Berkshire Bank to discuss our problem and they tell us they don't have our information and can't give us any information. Back in XXXX when our mortgage was transferred we started receiving information that said our escrow was short and they can't explain why. First they said it was homeowners insurance but we have ben paying our homeowners insurance since we purchased the house and was in full effect. Then they said it was for our real estate tax had gone up ( {$3000.00}? ). Our mortgage has always been around {$1000.00} since purchase. We then started to receive monthly statements that said our new payment was approx. {$1300.00} because our taxes went up. We have spoken to several people at the bank and they always see there is a problem and will call back. They never call back. We have done this so many times and explained this to many people and the issue still have not resolved.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The final quarter that I attended XXXX University was XX/XX/XXXX - XX/XX/XXXX. I officially withdrew from the university on XX/XX/XXXX and transferred to XXXX effective XX/XX/XXXX for a XX/XX/XXXX start date ( see attached ). While attending XXXX all of my tuition was paid directly to the institution from XXXX. Although I was no longer enrolled at XXXX for the XX/XX/XXXX session I received a bill for {$6700.00}. I notified them on XX/XX/XXXX that I had withdrawn and was attending another college and was told they would research my account and get back to me. After receiving no correspondence for over 6 months, on XX/XX/XXXX I received another bill for {$6700.00} for XX/XX/XXXX and I responded to them in writing ( see attached ). On XX/XX/XXXX I received and email " demand for payment '' ( see attached ). I then decided to contact XXXX and they confirmed that XXXX had received direct payments from them to cover my tuition while I was in attendance. I continued to try and resolve this issue to no avail and received several notices from XXXX XXXX XXXX stating that my account had been turn over to them and I owed XXXX {$8400.00} for the unpaid tuition for XX/XX/XXXX which was a completely different amount than the bills I received from XXXX for {$6700.00}. I am disputing this because I transferred to XXXX in XXXX and was not enrolled during the XX/XX/XXXX that I am being charged for, and according to XXXX, all of my tuition was paid directly to the institution while I was enrolled.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I need to have my name and address corrected on my credit report. My name is XXXX XXXX. 
XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX 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 XXXX, XXXXXXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (FL)

When I entered into a home mortgage modification with XXXX XXXX, Real Time Resolutions , Inc, I contend, illegally filed a corporate assignment of mortgage thru the court system in Florida. This assignment ( 2nd lien on my property ) falsely indicated ( I contend ) that I authorized and executed, thru Mortgage XXXX XXXX XXXX XXXX XXXX, them to file the assignment of mortgage. The alleged debt, according to the credit bureaus, was supposedly sold mid XX/XX/XXXX. Real time resolutions filed the assignment against me, beyond the state of Florida statue of limitations. They filed late XX/XX/XXXX. That is beyond the statue of limitations. I wish to suggest that real time resolutions vacate the lien and cease any more actions on their alleged debt.