davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
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: EQUIFAX, INC. (FL)

I went to apply for a home loan and my agent informed me of collection accounts which I was unaware of. After looking over my credit report I noticed these charges did not belong to me nor did I recognize any of them. Someone has used my information illegally to obtain credit such as a rental property from XXXX and credit cards from XXXX. I also see medical collections from XXXX  and XXXX when I have insurance and haven't needed any medical care in over 7 years. Please I need your assistance in getting these accounts removed to proceed with home buying process.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (MN)

On XX/XX/XXXX I called Ally Bank to inquire about XXXX third party checks I received from my home loan company. I was unable to deposit into my account virtually and was instructed for this type of check they had to be mailed. I mailed them on that day to be delivered on XX/XX/XXXX. I didnt see the money in my account at the end of that week yet, so I called back on XX/XX/XXXX to inquire. I was told my name wasnt listed as an authorized person on my joint account with my spouse and we needed to complete an official application to have me added. We did this on XX/XX/XXXX. By the following Monday XXXX funds had still not been distributed to my account so we called back and were told that because my XXXX Adjuster was on the check, plus my home loan company they would not be able to accept the check. These checks were properly endorsed by all parties and they in fact cashed said check, it cleared my insurance company the prior week. They then provided me with two options 1 ) add my public adjuster to our account or 2 ) mail us new checks since they had cashed the others. This would then require me to have to go through the entire process of endorsement again or add my public adjuster to my account. I wasnt satisfied with either option and told them I would speak with my husband, but we might add the PA to our account. My husband called back the next day and told them to just mail the checks. They did NOT mail the checks and we found this out because I called back this week XXXX  XX/XX/XXXX to inquire and they said we didnt tell them to mail them, they were waiting for us to add our PA to our account. I asked to escalate this and I received a call to discuss my complaint today XX/XX/XXXX. They would not accept responsibility for already cashing the checks. They have been holding my money on some general ledger, not in my account and we are just getting the run around. I finally got so sick of it I just told them to mail the checks, but this is not right. If they wouldnt accept those checks they should have mailed me back the originals. They took my money, never put in my account to start collecting interest and drug this out until today. I also still dont have my money to get my roof fixed from hail damage.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MO)

Comenity Bank let some one open 12 different credit cards in my name, they are all identity theft and that was obvious because they open so many. I was affected by the XXXX and several other breaches and i tried to tell them this was fraud and they wont respond and keep putting these on my credit report.
Consumer complaint received 2022-01-08
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. (UT)

I have previously disputed with transunion, XXXX and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aldous & Associates, PLLC (FL)

I started attending XXXX XXXX XXXX I dont remember the exact month but what I do know is that my last day was XX/XX/XXXX and I never went back to that gym so I dont think I should have been charged when I wasnt going and I have proof it says I owe {$380.00} Im not understanding how and why should I be paying this if I wasnt attending this gym since XX/XX/2023. I should only be paying what I owed since then
Consumer complaint received 2023-04-06
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, and # XXXX has violated my rights. These accounts are not reporting Date Opening, Balance, and Last Reported properly. They are all wrong. The late payments are not accurate.

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 an account without my written instructions.
Consumer complaint received 2019-04-12
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 (LA)

Kohls/Capital One has listed an account on my credit reports in the amount of {$590.00}. I have disputed this item with the credit bureaus and the company did not respond with the information requested. I requested proof of the account and received nothing. I do not believe this account is mine and is blemishing my credit reports as it is negatively impacting my scores. The company states that the account meets FCRA requirements but it does not because it did not provide proof of this debt.
Consumer complaint received 2019-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MN)

Please help me. I'm XXXX and XXXX, that said I have PayPal business customer service and supervisors on the recording I told them that I was recording and I caught the attention of not one, two or  even three lies but they were knowingly holding my money for the second time and permanently banning my ability to work with them again and I am still waiting for any reason or explanation or indicationof how or what the problem was. Well after the 1stagent claiming to be a supervisor he has to finally admitthat he is not and I asked him to transfer the call to a real supervisor, but not before asking for his employe ID # which I find out by the real supervisor that he gave me a false I'd #. I'm gon na digress because it gets so much worse and I will let whomever I decide to trust listento the unparalleled XXXX XXXX that justified them lockingme out of my own money. Please, help because I am an XXXX but I know when I am being bent over. Sincerely and my apologies for the language. XXXX XXXX XXXX.
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (VA)

I purchased a mattress from Sears in XX/XX/XXXX for {$980.00}. I paid the balance off in full when I received the bill from Sears. I never again used the Sears Citibank MasterCard and called the Sears credit card department to close the account on XX/XX/XXXX at XXXX XXXX. I was never made aware during that phone call with Sears that the credit card had any current unpaid balance. I received a letter from XXXX XXXX XXXX this week that said my Sears MasterCard was charged off with a current balance of {$1500.00}. I never received a single phone from Sears or Citibank to notify me of three separate fraudulent charges on my credit card.  XXXX XXXX told me today when I called them that my card was used fraudulently three times in XXXX  XXXX, MO in early XX/XX/XXXX. I live in Virginia and have never stepped foot in the state of Missouri. I used my Sears MasterCard once to purchase my mattress. XXXX XXXX advised me today that once my Sears Citibank Mastercard was charged off and closed that it would not show up on my credit report. XXXX at XXXX XXXX told me it was the policy at Citibank to wipe it off my credit report when the credit card account is charged off and closed. I have my XXXX phone records and bank statements to verify that I was never is XXXX  XXXX, MO. Sears, Citibank and XXXX XXXX XXXX are attempting debt collection on fraudulent charges.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

I was given an offer while logged into my American Express account online to receive XXXX Membership Rewards Points for opening a American Express XXXX XXXX XXXX after meeting terms and then also XXXX Membership Rewards Points for opening a Business ' Checking account through American express after meeting the terms and conditions of offer. In addition, there was a bundle bonus offer for XXXX more Membership Rewards Points for opening the credit and checking account at same time. I received the XXXX and XXXX points for the credit card and checking account but did not receive the XXXX bonus offer. I have called several times to American Express and been given different/incorrect information. A complaint was filed on my behalf on XX/XX/23 and was told that I would receive update in writing withing 6-8 weeks. I did not receive anything and called today after the 8 week mark to be told that case was closed and nothing would be sent in writing. I was told by a supervisor that the reason why I was denied is that a pop-up advertisement while signed into my unique log-in on americanexpressXXXX  does not qualify as a " solicitation '' of said offer. I am seeking your assistance as I am sure that the commission will agree that this indeed was a solicitation and will help in my pursuit to get the XXXX membership reward pints that are due to me. Thank you for your time.
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

I purchased a mattress from XXXX in XX/XX/XXXX for {$980.00}. I paid the balance off in full when I received the bill from XXXX. I never again used the XXXX XXXX MasterCard and called the XXXX credit card department to close the account on XX/XX/XXXX at XXXX XXXX. I was never made aware during that phone call with XXXX that the credit card had any current unpaid balance. I received a letter from Midland Credit Management this week that said my XXXX MasterCard was charged off with a current balance of {$1500.00}. I never received a single phone from XXXX or XXXX to notify me of three separate fraudulent charges on my credit card. Midland Credit told me today when I called them that my card was used fraudulently three times in XXXX XXXX, MO in early XX/XX/XXXX. I live in Virginia and have never stepped foot in the state of Missouri. I used my XXXX MasterCard once to purchase my mattress. Midland Credit advised me today that once my XXXX XXXX Mastercard was charged off and closed that it would not show up on my credit report. XXXX at Midland Credit told me it was the policy at XXXX to wipe it off my credit report when the credit card account is charged off and closed. I have my XXXX phone records and bank statements to verify that I was never is XXXX  XXXX, MO. XXXX, XXXX and Midland Credit Management are attempting debt collection on fraudulent charges.
Consumer complaint received 2019-06-14
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. (TX)

I HAVE NOTIFIED EXPERIAN NOT ONCE BUT SEVERAL TIMES ABOUT THIS SITUATION AND THEY CONTINUE TO IGNORE MY CLAIMS. 
THEY HAVE REMOVED ALL THE UNOATHORIZED INQUIES BUT HAVE KEPT THE ACCOUNTS, SINCE THEY REPLY THAT THEY DONT UNDERSTNA DMY COMPLAINT I WILL UPLOAD MY MAIL TO THEM ONE MORE TIME AND HOPE THAT THEY WORK AS PER FCRA IMMEDIATLY Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 Sec. 1341
Consumer complaint received 2019-06-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

During the government shutdown I spoke with Carrington about my inability to pay my mortgage ... they said I would be helped but they sent someone to my home to take pictures and continued to send me foreclosure notices in the mail ... the day the government shutdown ended they refused to take my payment without a {$20.00} up charge and they tacked on late fees and they didnt offer me any help ... I also tried to get a home line credit loan of which they gave me the run around and never gave me an answer ... Im still trying to catch up with my bills and I filled out a promise to pay request where they are refusing to accept that because now they claim I broke a promise which is not true .... I have tried to speak with them several times and they only give me the run around
Consumer complaint received 2019-06-14
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: CITIBANK, N.A. (IL)

I set up payment plan with XXXX XXXX XXXX XXXX in XX/XX/2019. When I spoke to someone at first they said that they report on your credit but on all my credit reports they were never listed. On XX/XX/XXXX I get notifications that a new line of credit was opened with a collection company. When I called they said I was looking at my credit report wrong and that paying the debt with them will actually help my credit when really it has hurt it drastically.
Consumer complaint received 2019-04-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

I took a loan in the amount of {$750.00} dollars. I have already paid {$1300.00}, but have run into a financial hardship. Negotiations with the company have not amounted to anything. I am very frustrated that they are demanding the payoff in the amount over {$1500.00}. Every time I try to contact the company I do not get any information. Now when I log onto the site, I am no longer able to view my loan documents. I want to offer the Speedy Cash a settlement offer in the amount of {$250.00} which will bring the total amount paid on the loan to well over {$1500.00}.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

called company and spoke with a Supervisor regarding my credit report showing a late payment in XX/XX/2017. This was during the time XXXX hit the gulf coast/XXXX area and was advised a courtesy would be extended to making the payment. Still showing on credit report and was not removed.
Consumer complaint received 2024-02-10
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: ENCORE CAPITAL GROUP INC. (MS)

( 1 ) XX/XX/2024, {$620.00} 15 U.S.C 1692 e ( 4 ) All illegal in the collection of any debts. This is similar to the 4 amendments Title 31 U.S.C.sec 3123 ,18 U, S.C sec.8 defines obligation, Title 18 U.S.C.sec.8 , Title 31 U.S.C 5108 defines Legal Tender.

Vision 2 Affidavit, Notice It is a fact affiant is ware, this threat of repossession or collection, That I the affiant has of proof of IN EXHIBIT ( 1 ) is a violation of 15 U, S. code $ 1692e ( 4 ) and is fraud and illegal in the collection of any debts this is a right secured to me by these codes herein and the 4 amendments of the XXXX XXXX
Consumer complaint received 2023-06-29
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. (IL)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (TX)

In late XX/XX/2019, I contacted XXXX XXXX XXXX about TV and internet service. I was told i would have to pay a large non refundable deposit. They claimed my cretit score was too low. I received a letter the following week from XXXX XXXX XXXX stating that a company named Sage Stream gave me a credit score of XXXX out of XXXX. I requested and received my credit report from a company named XXXX XXXX XXXX who apparently contracts with Sage Stream to do the credit search. The credit report was excellent, yet Sage Stream gave me a very low score. My current credit score from XXXX is XXXX out of XXXX. I have now tried contacting Sage Stream no less than 6 times to resolve this matter but to no avail. Any help you can give me to resolve this dispute would be greatly appreciated. I will also be filing a complaint with the Texas State Attorney Generals office.
Consumer complaint received 2019-06-14
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: CITIBANK, N.A. (NH)

I purchased a tv from Best Buy in XX/XX/XXXX. I was pressured to open a credit card to charge the purchase. Offering interest free payments on the card for 24 months and a {$100.00} credit to the store I accepted. In XX/XX/XXXX, two years after the original purchase date, and never using the card the account balance due was {$150.00}. The next statements balance due XX/XX/XXXX skyrocketed to {$810.00}. I was completely unaware the interest charged would be this high suddenly. I have called Citibank to try and resolve this issue with absolutely no solution offered. I have never been able to catch up from this substantial interest charge and still owe a balance on the account. My statement end balance for XX/XX/XXXX is {$810.00}. I have maintained minimum balance due of on average XXXX XXXX/month towards my balance for 19 months roughly equalling {$570.00} paid towards an initial {$150.00} balance due. The spiked interest charge is unreasonable and was never disclosed when opening my account.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A. (LA)

I applied for this payday loan on or around XX/XX/2019 for the amount of {$800.00}. This amount was deposited on that date. The loan does have a two week term in which is to be paid in full within that time. I was not able to do that so renewal fees were assessed. I do not recall the rate of which these fees were calculated and am locked out of the account at this time so I am unable to see them or get other information. The following payments have been taken out of the XXXX checking account I had at the time. {$240.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, & XX/XX/19. A total of {$1200.00}. I closed this checking account because I had taken out several of these in the middle of a XXXX  spree. I had no money left and no way to continue to pay these outrageous fees!! 
I have since acknowledged that I have a XXXX  problem and am in XXXX   and XXXX XXXX. I am getting help for this problem. 
I have contacted my loan manager, XXXX, several times as this is now in default. I have asked for a settlement of which he will not accept less than {$1000.00}!! Making me pay a total of {$2200.00} for a {$800.00} loan! 
I am asking that this debt be considered paid in full or a more reasonable settlement. 
These companies prey on people like me who look to this as a solution in complete insanity and desperation! These companies should not be able to get away with these outrageous fees!!
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

Received e-mail from Experion : Change : Major Derogatory Account Company : XXXX XXXX XXXX Reported by : Experian When I logged in it said that {$65.00} was owed on {$1800.00}... don't know anything about this. Can not get a real person to talk to at Experion. They also said that my e-mail has been found on the " Dark Web ''. 

Also received e-mail from XXXX XXXX regarding my charge card : There was some activity on your Experian credit report and that I should log into XXXX  - part of XXXX XXXX. Visit the Alerts section of XXXX from XXXX XXXX to review a recent change in your Experian credit report. To protect your privacy, we arent including any confidential details here. 

I need to talk to somebody but all phone numbers go to an automatic system that never puts you in touch with a real person. HELP