davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (SC)

I was called by collector in XX/XX/XXXX. I was told i owed a medical debt from XX/XX/XXXX. After i explained i did not owe a medical debt they continued to harass. I got account info from collector and called the hospital which had a record of the bill being paid in XX/XX/XXXX. I contacted collector told them it was paid in full in XX/XX/XXXX and they proceeded to write a public record on my credit report stated I owed money. XXXX weeks after they added it to my credit report they removed it from some services but not all. It still shows on my fico score as a derogatory account. I buy equipment and credit score cost me a lot of money depending on interest rates. I contacted collector they refused to talk.
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Equitable Acceptance Corp (NV)

XXXX has been non-compliant with removing the unverified account EQUITABLEACC which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that EQUITABLEACC was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-08-27
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: Bread Financial Holdings, Inc. (PA)

I visited the XXXX store located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX on Saturday, XX/XX/XXXX. When ringing up my purchases the cashier asked if was a member of their rewards program to which I replied that I believed I was. She had me enter my telephone number. She stated I was not in their XXXX XXXX Rewards program and asked me if I would like to be. The store was closing down and re-opening under another name so I inquired if they rewards were transferable and she stated they were good for all stores under the same parent. I proceeded to enroll in the " rewards '' program and when I was finished the cashier said, " You were approved for {$800.00} '' I stated that I was not aware that I was applying for credit rather, only that I was enrolling in an awards program. I asked if I could cancel right there in the store. The cashier said I could not an provided me with a number to call. I called the number and went through an automated system which allowed me to cancel the card and stated it would be reported to the credit agencies as " Closed at customer request '' however, the the only option to receive a confirmation was via fax. As I did not have a fax number handy I opted to not have a confirmation. Wanting to be sure the account was cancelled, I called Tuesday, XX/XX/2019 at XXXX XXXX. Eastern Standard Time and went through the automated system which allowed me to cancel the account, confirmed via voice response it was cancelled and stated it would be reported a " Closed at customer request '' to the credit agencies. This time I provided a fax number and the autoted system said a confirmation would be sent within 1 hour. As of Tuesday, XX/XX/2019 at XXXX XXXX Eastern Standard no confirmation has been received. 

I believe the acquisition process was purposely misleading and that the cancellation process also uses deceptive practices to avoid cancelling the card. The card is issued by Comenity Bank.
Consumer complaint received 2022-08-17
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: GOLDMAN SACHS BANK USA (GA)

My wallet was stolen at my gym and inside of it was both my XXXX credit and debit card, my license/SSC and my XXXX XXXX XXXX credit card. I informed my gym that my wallet was missing but, nothing ever turned up. Shortly thereafter I started receiving email notifications of unusual activity but, this was in between XXXX XXXXXXXX being taken over by XXXX XXXX and I feel as though my issue fell through the cracks ; it was very difficult to get through to their customer service due to all the changes they were making and I would respond to emails marking charges as suspicious but, the only response I would get was to call in. The unauthorized charges still persisted, that is until charges were made out of state. Once the out of state charges came XXXX XXXX finally locked my card. There are multiple charges out of state. I started receiving packages, here and there, from places I had not shopped ; I contacted vendors informing them of the fraudulent purchases yet, they refused to work with me and pointed me back towards my financial institution. I have returned the few unauthorized items I received AND I STILL HAVE NOT BEEN REFUNDED. Ive called MULTIPLE times to get the matter straightened out ; Ive spoken with agents who are all telling me different things, some say we need to reassert the disputes to rectify the situation others are saying they can reassert the transactions but, nothing will change. I speak with managers who are rude who conveniently have computer problems and can no longer help me. The reason my address is on these purchases is because my license was in the missing wallet. My SSN has already been used to fraudulently open an unauthorized credit card. I will not be held responsible for the EXCESSIVE and clearly FRAUDULENT charges on this card. I never wanted a credit card with XXXX XXXX and this is why! XXXX XXXX has horrible customer service, they insinuate a charge is mine because of an address. I have documentation of emails with vendors that can not locate these transactions because the personal information I am providing doesnt match the transactions madeso how can they be mine and I be the one held responsible??? I have filed a police report for identity theft, fraud and I had to buy a new license. XXXX XXXX needs to stand behind their customers!! This is negligent ; XXXX XXXX has NEVER treated me this way and situations like this make me regret continuing to do business with XXXX XXXX. This company doesnt have heart or morals. Instead all theyve done is run my name into the ground and mock me by letting someone ( s ) get away with stealing. 

I was informed that my SSN has been used to open up fraudulent credit cards. This is a legitimate problem, someone is using my credit cards and address to make unauthorized purchases. I have filed a police report and this matter needs to be rectified with XXXX XXXX.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Ive been going through financials from XXXX forward, Bank of America let one vender hit my account for almost $ XXXX mostly from XXXXXXXX XXXX, during that time I was actively calling the bank and vendor and trying to stop payment and dispute charges and when I could actually get to a human being, still no one would help me. I finally figured out how to delete my card info in XXXX from the vendor, I knew it was a lot then but just realized the full extent. since then, I have found a mountain of fraud, vendors double charging subscriptions for years, subscriptions I never heard of, nor, as it turns out had ever visited their site, were talking literally thousands of dollars here. Also discovered credit cards ( we have only ever had 3 with BOA ) that were opened in our name we we unaware of and were actively being used so I requested an itemized list of every transaction on every single card they had on our report, Ive yet to get a single ONE that is complete, the earliest page on every one has a huge balance already, the little that I did see where countless {$40.00} late fees despite payments being made well over the minimum amount. I started this complaint in XXXX of this year and I just received something in mail Friday saying they werent doing anything. There is no price I can put on the damage this has caused in our lives. We trust these institutions to keep our hard earned money safe from the crooks, and they are the ones stealing from us. I knew that if they couldnt even make right a single report that Ill never get all my money back but I refuse to pay for their incompetence and greed. I pay my bills, Ive worked hard and paid my own way since I was XXXX XXXX XXXX, I want to pay for the things I actually purchased, but I work way too hard to be paying for things that I didnt. I need this false data removed from my credit report immediately and a fair settlement reached. I dont think that a reasonable solution or the records I requested is to much to ask. Plz help me because I know that it is not just me that this is happening too.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (KS)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2018-04-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (TX)

XXXX XXXX XXXX XXXX is threatening me and suing me for a debt that I do not owe. I have never heard of the merchant nor do I have a Contract with them nor are they licensed to collect in the State of Texas. Those are 3 different violations that entitles me to {$5000.00} per Violation If it doesn't get removed off my Credit Report. The State of Limitations in the state of Texas is 6 years & its past that time for them to collect in the state even If they were bonded to collect and it was indeed my Debt. You have 30 Days to remove such Debt or I will be filing a Civil Suit against your entire company and be forced to present yourself in the court of law.
Consumer complaint received 2019-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (FL)

On XX/XX/2019, I purchased a puppy from the XXXX XXXX XXXX in XXXX XXXX, FL. I qualified for a loan through their financial services, XXXX XXXX. They sent me a contract that needed to be signed immediately right there in the store. When I received the email I could not enlarge it on my phone. The entire contract was in fine print. I told the salesperson that I could not read the contract. I do not sign contracts I can not read. The salesperson told me she did not have a copy. On the XXXX website it states that they have easy financing with great rates. on their website site. The salesperson told me someone else wanted to purchase the dog I was under the incorrect assumption that I would be paying average credit card rates for the dog. I received an email from a collection agency I was confused. I opened the email to see that I was Paying more than 100 % financing for the dog and the dog did not belong to me he was a lease. I called the Monterey Financial Services to tell me I that I believe I have been defrauded by them and XXXX XXXX. That had I known the terms I would have put the dog on the credit card. I asked if I could pay the value of the dog and they replied that I have to pay at least 75 % of the lease term. XXXX XXXX and Monterey are working together to defraud the public. 
XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I took a mortgage in XXXX of XXXX with XXXX and my then husband, for XXXX, the the best of my recollection. In XXXX, we separated, and he remained in the house covered by the mortgage. In XXXX, I had a XXXX Chapter XXXX which included the mortgage. XXXX stopped reporting it to all three credit bureau. Upon very bad advice from a lawyer, I quit-claimed the deed to him without him refinancing the loan. He then modified the loan with XXXX XXXX XXXX, increasing the term to 432 months from 360 months, and the amount to over XXXX from the original terms. I NEVER signed for this increase. XXXX XXXX XXXX, in XXXX, FL, states that they can modifiy the terms of the loan without my signature, and they have started reporting it on my credit report as of XXXX XXXX. The loan is already delinquent ( as of XXXX XXXX, XXXX, due for XXXX XXXX ). XXXX XXXX told me NOT to complain to the credit bureau, I did and Equifax already removed it but the other two have not. XXXX XXXX continues to report and I have been denied for two car loans because of " Excessive Obligations '' because the payment on this loan is {$3600.00} and I have my mortgage of {$1900.00}. The company stubbornly refuses to remove it from my credit report, and I will not be able to get a car loan or any other for the next XXXX years as a result.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (CA)

I contacted Lexis Nexis on XX/XX/2024, for a copy of my report. The representative took all of my personal information and advised I would be getting a letter in the mail within XXXX business days, and I have yet to receive a letter, email text or call. 
I verified all of my information. I also advised I had a police report because I had been victim of fraud as well as identity theft and advised I could upload or provide this information if needed. 

I was advised they did not need it and would send out the information to me and they have not
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I was reached out to via a friend 's account on facebook messenger. This was not a new friend and not a new account under their name. They told me to go to this website ( https : XXXX ) and purchase an item, they should send me the item, and refund my money for helping out with their website. To get the item, you had to pay the person I thought was my friend via PayPal. I never got my refund and when I reached out to ask about they said I needed to resend the money because the order was not confirmed and they would refund me twice. I feel for it 3 times, unfortunately. I have filed a dispute with PayPal and XXXX. PayPal says they can't do anything since it was a " Family and Friend '' payment. XXXX says they can't do anything because it is PayPal 's decision. 

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX
Consumer complaint received 2021-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

I agreed to try a product from XXXX that would give me information about the performance of my car. It was called XXXX. I tried it, and found that it was not giving me anything that I wasn't already getting from my car 's system. I returned the XXXX to a XXXX Store on XXXX XXXX XXXX, XXXX, FL. The employee at the store told me that they didn't take returns, and that they would take the $ 10 monthly charge off my account. I kept the XXXX for two years, and was never asked to return it ;, and, I never received another bill from XXXX. 
I received a collection notice many months later. I informed the agency of the above, and never received another collection notice.
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/2021, I used PayPal under the impression that I was paying for mentoring session through XXXX XXXX XXXX. 

I was speaking with XXXX XXXX who is ( was ) an employee of the company. I was always under the impression that I was speaking to her as she was a representative and consultant of the company. However, she had me to sign up and pay for the services through her own company ( XXXX XXXX ) instead of XXXX XXXX XXXX without my knowledge. 

She even uses the same exact platform as XXXX XXXX XXXX and copied their set up so that I would not know the difference. 

A fraudulent bait and switch was used to have me to send money to this persons ( XXXX XXXX ) own personal PayPal instead. So {$1100.00} was sent to her personal PayPal under false pretenses making the contract null and void. I was always under the impression that I was working with XXXX XXXX XXXX the entire time and XXXX was just XXXX of their consultants representing the company. I was deceived. A police report has been filed. DC # XXXX.
Consumer complaint received 2019-08-27
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: EQUIFAX, INC. (NY)

I was a victim of identity theft. My information was stolen and misused to open up accounts without my knowledge while I was away at college at addresses Ive been trying to resolve the matter but to no success thus far. All the accounts date from XX/XX/XXXX-XX/XX/XXXX. I have reported each to the bank as well as filed a identity theft report and opened local police investigation.
Consumer complaint received 2018-11-24
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

Since XX/XX/XXXX One Main has done 4 hard inquiries on my credit and I have never applied for a loan or done any business with them ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX )
Consumer complaint received 2019-08-27
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. (NY)

I was a victim of identity theft. My information was stolen and misused to open up accounts without my knowledge while I was away at college at addresses Ive been trying to resolve the matter but to no success thus far. All the accounts date from XX/XX/XXXX-XX/XX/XXXX. I have reported each to the bank as well as filed a identity theft report and opened local police investigation.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (OH)

A collection was opened by Hunter-Warfield for the amount of {$280.00} on XX/XX/XXXX. The debt was regarding non-payment of rent for the last 9 days of my lease. My lease terms were that I paid 12 payments of {$670.00} and a security deposit of {$250.00}, starting XX/XX/XXXX, I gave receipts of all 12 checks and per my lease agreement those 12 payments covered me through XX/XX/XXXX. Upon moving out on the last day of my lease, a letter was sent in XX/XX/XXXXclaiming I owed the XXXX at XXXX {$280.00} for non-payment of the 5 days between the XX/XX/XXXX and the XX/XX/XXXX. They told me I had 14 days to respond before they sent the amount to collections. I immediately contacted their office and produced the receipts of my 12 monthly payments outlined according to my lease agreement, they claimed they would get back to me and since I had contacted them they would not send it to collections. I contacted their office again a few weeks later and they claimed they didnt have a copy of my lease agreement since it was a new management company in charge and that they would contact me with more information. I was then contacted by Hunter-Warfield sometime in XX/XX/XXXX claiming I owed {$280.00}, upon which i requested an official document with all the information regarding the debt and I have yet to receive any letter or information regarding the account status or debt.
Consumer complaint received 2021-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I received an identity theft alert. An impersonator was using my personal information to apply for an apartment lease. I received the debt of application fees for this fraudulent act. Date of occurrence : XX/XX/2021, original creditor : XXXX XXXX 2, Amount Billed : {$150.00}. I received the notification from Columbia Debt Recovery of this false charge on a letter dated XX/XX/2021. I also received a letter notification of Columbia Debt Recovery 's request of proof to better investigate this crime on XX/XX/2021. This actually informed me of the option to file a complaint with the FTC.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The magnetic strip is falling off the back of the debit card and can no longer be read. It due to be replaced early next year anyway and is normal ware and tear. When requesting replacement card they insisted on charging me a {$5.00} fee. I should not have to pay for their card failure.
Consumer complaint received 2018-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (ID)

I signed a paper to have my credit checked but never agreed to a credit account. I already have a complaint against XXXX XXXX for opening up another account. I was in a timeshare presentation on XX/XX/XXXX, they ran my credit said I was approved for everything, but never mentioned I was getting a card or any line of credit.