davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (OH)

I borrowed {$400.00} in the beginning of XXXX 2017 from an online payday company called Big Picture Loans. I have borrowed from them earlier this year and was able to pay off the loan quickly so I did n't have to pay high interest fees. I have made 4 payments of {$130.00} which is a total of {$520.00} on this current loan. I wanted to pay off the loan last week, it said I had a balance of {$390.00} which is ridiculous because I 've already paid {$120.00} in interest however I just wanted it paid off so I was going to pay it. When I tried to schedule the payment it said my payment would be {$480.00}!! Why would I pay almost {$100.00} more than what it said I owe?? I did n't have this problem with the first loan so I do n't know what is going on with this company. They are n't willing to work with me at all, the customer service representative claims he was helping me by saying I could skip my upcoming payment however then I would owe over {$600.00} on XX/XX/XXXX. HOW IS THAT HELPING ME?? If I want to pay it off why do I owe so much. This company is not clear on pay off amounts, the representative just said its computer generated and there is nothing he can do. I ca n't even upload the documents because the website does n't allow me to. This company should be closed, they are thieves!!
Consumer complaint received 2016-01-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (CA)

I have been making my mortgage payments each and every month on time, and have even put in an extra {$100.00} each month towards the principle. I started making my payments in XXXX of 2014. I found errors on their invoices about the due dates that was two months ahead. I let the lender know that this error was on their invoices. About six months ago, the lender sent me a letter stating that I had missed a payment, but after going through with their dispute department, they realized that were wrong and that I had made all of my payments on time which they said they had corrected. But after looking at my future invoices I realized that my principle balance had n't gone down between my payments. The lender has gone back and un-applied some payments and reapplied them back again, but are wrong in their calculations and have caused me to be short on my escrow which has raised my monthly by almost a hundred dollars a month. We are in dispute right now and my original lender has been trying to work on my behalf to correct these errors to no avail, even though my original lender sees the errors, but has been unable to explain to me why this is so. I have just received another letter from this lender saying that they were transferring my loan to another company, I believe this company knows that they are at fault for these errors but some reason, they are unwilling to correct them and passed the loan off the someone else.
Consumer complaint received 2022-10-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here are the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received a {$300.00} Capital One Credit card in XX/XX/2022. When I first used the card I paid off the balance in the next statement. It was my intention to continue to do that. I was not notified that my payments were being returned due to auto pay from a bank account I didnt know I had or use. I never signed up for auto pay. I dont understand how or why it was set to come out of that account. 
I then received a letter from Capital One stating that I didnt use the card as I was supposed too. 
So they closed my account. I really wasnt aware what was happening! I know that my over the limit was due to numerous fees charged on my account. I really didnt understand the auto pay setting. Because I was manually paying.
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (CA)

I had received a letter saying that I have a debt from XXXX XXXX saying that I owe money, when I dont live in the places that XXXX XXXX services to and I dont have any phone bills or bills in general with them. I live in california and the only bill under my name that I pay for currently is my only credit card bill ( XXXX )
Consumer complaint received 2019-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Please see the attach Letter. 

Tuesday, XX/XX/, 2019 Dear Consumer Protection Financial Bureau : My complaint is against Capital One - Walmart Credit Card. 
On Sunday, XXXX XXXX2019 I used my Walmart Credit Card to have cash back and to purchase two items. 
I checked out at the Walmart self service register with a grocery purchase of XXXX dollars and XXXX cents and a Cash Back Request of XXXX dollars. 
My card was Declined so I tried a XXXX Cash Back Request and a grocery purchase of XXXX dollars and XXXX cents. My card was declined again. 
I called Walmart Card Customer Service at XXXX XXXX and the representative told me that the cash back limit on my Walmart Credit Card is XXXX dollars cash back. 
The representative also told me that my Walmart Credit Card is now charged XXXX dollars and XXXX cents. I explained to the representative that I have not received merchandise or cash back. 
I also explained to the representative that the items were snatched from my hands by the attending clerk and security personnel was called and posted. I asked for a supervisor. The supervisor reported and spoke to the representative and told him that my card was declined and I did not receive cash back.

I left Walmart and went home and called Walmart Credit Card Customer Services. A  representative stated that he was a supervisor and that the charges would drop off. 
The charges have posted to my account and I am now being charged for the cash back and the grocery purchase. I called the Walmart Credit Card Customer Service at XXXX and the representative told me that the problem is with the Walmart Store. 
My credit score is now impacted and I have a balance due that is way over my Walmart Credit card limit. I am humiliated, frustrated and without the benefit of cash back and groceries that I needed. Thus, I am asking for the help of the Consumer Protection Financial Bureau to resolve my dispute with my Walmart Credit Card through Capital One. 
I wish for Walmart Credit Card through Capital One to understand that my credit card only has a limit of XXXX dollars for cash back thus it is impossible to be charged over this amount for cash back!! 
I wish to have the erroneous charges deleted from my account along with the updated information sent to the three credit bureaus and then be able to close my Walmart Credit Card account so that I will not have to suffer the pain and embarrassment associated with using Walmart Credit. 

Thank You in advance for your time.
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See Attached : According to Truth and Lending 15usc1666b : A creditor may not treat a payment on a Credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-03-21
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. (IL)

In accordance with the Fair Credit Reporting Act - XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. I have sent in documentation of proof several times to the bureaus. 
Experian and XXXX are in violation of the law and my rights. The bureaus are reporting inaccurate information. The bureaus response has been verified and accurate. This deceptive information is affecting my life. I continue to get denied for credit from certain financial institutions and credit companies. 

15 USC 1681 Section 602 A Accuracy and fairness of credit reporting which states I have the right to privacy.

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I need your help. I have attempted over four times to resolve this matter with Experian via mail and phone. However, the reports are being updating the with the same wrong information. They are now willful and knowing destroying my reputation as a consumer and this needs to be fixed asap. 

DELETE ALL INACCURATTE INFORMATION 1. DELETE the following address XXXX XXXX XXXX, XXXX TX XXXX 2. DELETE the following address XXXX XXXX XXXX XXXX  XXXX Tx XXXX 3. DELETE the following address XXXX XXXX XXXX XXXX XXXX Tx XXXX 4. DELETE the phone numbers are unknown XXXX, XXXX, XXXX 5. DELETE XXXX XXXX XXXX  MEDCIAL INFORMATION is EXCLUDED PER 15 USC 1681 ( 3 ) 6. DELETE XXXX XXXX XXXX This account is closed and there is no balance. I CALLED AND REPORTED THIS TWICE TO YOU AND YOU HAVE FAILED TO FIX THIS. 
7. DELETE- XXXX XXXX XXXX  You DO NOT have permission to furnish this information. My right to privacy is being breached. 
8. DELETE- XXXX  XXXX This account is involved in litigation must be removed. 
9. DELETE- XXXX This account is closed and paid. 
10. DELETE- XXXX XXXX XXXX- This account is closed and paid 11. DELETE- XXXX XXXX you have failed to investigate this, nor did you remove during the dispute process. I do not owe this alleged debt. 
12. DELETE- XXXX XXXX XXXX- False and misleading I do not owe this debt and your comments are false and misleading.
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

I am trying to find a job that can cover my remaining financial obligations while still staying in the XXXX XXXX XXXX and was contacted on the XXXX of XXXX about a job offer that I qualified for. I completed an over the phone interview and was told that it was a work from home job that the company would cover the cost of equipment. It turns out it was a scam and I'm now out {$4800.00} and the bank won't help me with financial problems and has even told me they have frozen my accounts and are closing all of my accounts, regardless of whether I wanted to or not. While trying to seek legal actions against the other people involved, due to the fact that I have all of their information, law enforcement has told me " to chock it up as a loss '' and told me it's a learning experience. My life has come to a screeching halt and I have no where to turn.
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (OH)

I am XXXX XXXX XXXX recent widow, I applied for credit in the amount of $ XXXX. XXXX XXXX would not approve me, yet they have an account listed on my credit report that says it was still open, this should have been taken off after a bankruptcy in 2014 ( XXXX Yrs. ) ago. I have no credit cards, but pay cash for what I need. My credit reports lists me as excellent in paying on time ( I pay XXXX every month for a mortgage they say I don't have ), I have a paid receipt from the county for property taxes paid by ME on property that is valued at {$250000.00}. They say they will generally approve if you have a credit score of XXXX, my scores are XXXX. The XXXX bank say they will accept bankruptcy if is over 4 years old, mine is XXXX  years ( husband was on bankruptcy ). Debt to income should be over be under XXXX mine is under XXXX. I have paid a car lease and now buying care w/co-signer ' and have never been late on house payment nor the car lease or purchase. Synchrony Bank ( also Care Credit ) is the servicing bank for numerous lending institutions, when Care Credit denied me credit they automatically rolled it over to all participating lenders which guaranteed me a no. Basically, I have assets over {$250000.00}, I have no outstanding credit cards, ( other than the one XXXX XXXX didn't remove and is inactive ), XXXX  sent me a form letter that listed all their products, too many to count, that I was not entitled too. 

At XXXX XXXX XXXX there is no evidence that I will not live to repay my loan. If, unfortunately, can't pay for death or health reasons, I have a house in my name that can have a lein put on, My income is {$3300.00} a month. Other than normal living expenses my one and only obligation is the house {$780.00}. and car {$330.00}. The only thing I don't have control of is my age XXXX, I am healthy, active and have all my facilities.
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I opened a new credit card with XXXX  XXXX  via comenity bank for a furniture purchase. I never received the credit card and the charges for the furniture were levied. I was unable to make the payment for the purchase online by the due date since I did not have the physical credit card and hence did not know the credit card number. Comenity bank charged me late fees and interest. I called the bank to let them know I did not receive the credit card. They issued me a new credit card via mail and as soon as I received the credit card, I made the full payment. They agreed to waive the late fees but did not waive the interest charge. In this dispute, I had to close the account and lost on the {$250.00} store credit for opening the credit card. In addtion, I get daily harassing calls from the bank despite this being their error and it has severely impacted my credit score which was XXXX prior to this dispute.
Consumer complaint received 2022-08-30
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. (MD)

XXXXXXXX XXXX XXXX  XXXX has violated my privacy rights according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2019-11-19
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Byrider Franchising, LLC (SC)

I am not even financing anything through CNAC. However, the person that lived in this apartment before me did. I was at home relaxing and cooking and get a BANG at my door that was so startling I was shaking and afraid to open the door. I hear a man say She isnt answering! Then they slipped in an envelope. ( This is the 3rd time theyve come by ) I opened it and called the number and was greeted on the other end of the phone by a lady name XXXX that was so obnoxiously rude. I told her about how scared I was and Im not sure who they are looking for but lady doesnt live at this address anymore. She was raising her voice at me and was so inconsiderate. I had the rental office follow up with her and she told them not to call back and hung up the phone. I have asked them to refrain from coming to my residence. I feel like I am being harassed and I not the one they are looking for. Again, I am NOT a customer with this company nor do I owe them again!
Consumer complaint received 2022-03-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (TX)

XXXX  sent me equipment to set up that I never connected. Never used their services. I have photo and video proof that all the equipment I gave back to XXXX  on XX/XX/XXXX was still sealed in plastic. I was given a receipt by a spectrum representative proof that I returned equipment and I never opened it. Account for spectrum was opened XX/XX/XXXX, since I never used the items, I thought I wouldn't be charged for it however I only realized I was being charged for such from 11 charter communications, llc. Those representatives told me if I returned the equipment I would not owe spectrum anything however I check my credit today and see them still trying to collect money for services I never received or equipment I don't have anymore. Amsher collection services are holding my credit accountable. I believe I owe nothing for services I never received nor wanted in the first place.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated (PA)

On XX/XX/2023 I checked my Way2Go account and all of the funds had been stolen- almost {$12000.00}. Way2Go ( Conduent Bank ) is the bank that my child support funds are deposited into. I immediately called Way2Go and reported that my money was stolen. I filed a dispute over the phone and was told that a questionnaire would be mailed and I would receive it in 7-10 days. I did not want want to wait that long so I spoke with the dispute department and they told me I could hand write the dispute letter with all of the dates and amounts of charges that were not authorized by me. I faxed that letter in on XX/XX/2023. I called on XX/XX/2023 and was told that the dispute was denied on XX/XX/2023. They said they would send an email letter with details about how they came to that conclusion and letter contains no information whatsoever besides " conflicting information. '' I asked to open an escalation so that they would truly investigate the fraud and 3 have been opened and still pending over 6 weeks later. I have spent countless hours calling Way2Go and they just say call back in a few days. 

Way2Go had sent out a new card in the beginning of XXXX and allowed someone to activate the card and steal all of the money within days. There is an {$500.00} limit per day yet the thieves were allowed to steal thousands a day and it was not flagged by Way2Go. I have asked how this could happen and every single customer service representative has said " I don't know. '' A police report was filed with my local police department and also filed a fraud report with the FTC. Way2Go has yet to communicate with the police department even though I have sent them the reports and told them that the PD has gathered additional information and suspects that would help their investigation. They have yet to cooperate with police.

This experience has been life shattering and Way2Go has not provided any support or even a true investigation into this obvious fraud. I asked about a provisional credit and they said it is not guaranteed but I would have had to get my documents in within 10 days and I absolutely faxed the documents in the day I discovered the fraud. Way2Go needs to be held accountable for their negligent practices and lack of communication while handling such a horrible situation. I was told I will never be able to talk with the investigation department and I can only speak to managers which can give me no information. I have kept track of all calls, dates, names, and information given during each of my calls to Way2Go.

This company has shown zero concern with this situation and what makes it even more sad is that is child support money that I have been saving for years that will help my child with his future education.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Student Aid (USA) Funds (KY)

UNITED STUDENT AID FUNDS Closed :XX/XX/XXXX XXXX Closed :XX/XX/XXXXXXXX XXXX Closed :XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also USAFunds. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach USAFunds to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XX/XX/XXXX Can send these in as well once I get them scanned.
Consumer complaint received 2022-08-30
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: Atlanticus Services Corporation (MN)

In accordance with the fair credit report at XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.