davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2022-02-10
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. (CA)

I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE REASON TO BELIEVE THIS HAPPENED WHEN I WAS IN THE HOSPITAL AWHILE AGO. THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE FROM THIS INCIDENT. PLEASE HELP ME WITH GETTING THESE ITEMS REMOVED. I'VE FOLLOWED EVERYTHING THAT I WAS TOLD TO DO FROM ON THE XXXX WEBSITE.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc. (NY)

I reported fraud on my acct on XX/XX/XXXX. There were out of state transactions as well as transactions from over XXXX miles away. They gave me a temporary credit and then on XX/XX/XXXX I received a call from a XXXX asking to call them back. I called them back and the voicemail box was full. About a week later I received a letter in the mail stating that XXXX from Tops were valid and I never even reported a Tops on my fraud claim. I was also sent XXXX of the same credit card and I lost XXXX of the cards that's why I reported it immediately. I am now responsible for purchases on my acct that I did not do nor was I in that state. In fact, I made a post on XXXX that same day with my daughter as we were out to dinner with family in the town I currently reside in. On top of that, I have called on XX/XX/XXXX, XX/XX/XXXX, XXXX. I also sent a request via Fax on XX/XX/XXXX. I can't leave a voicemail for my representative because the mailbox is full and no one is sending me information that I requested nor resolving my claim. Now there is an overdraft on my credit card acct. I reached out to some of the merchants myself and they have never seen me or know anything about the issue which means they were never contacted by this company asking for information. I have proof of the XXXX cards sent as I have pictures because I thought it was bizarre they would send XXXX of the same card. Why?
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

IM VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX, AND XXXX REPORT AND NOTICED ACCOUNTS AND INQUIRES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT.
Consumer complaint received 2022-04-29
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: World Acceptance Corporation (TX)

FRCA Violation credit card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Services, Inc. (Nevada) (TX)

I reached out to this company on several occasions with reference to the said account advising that this is NOT my account and if it is indeed my account the please validate and send me supporting information. This was not done. It shows on my credit reports and is adversely affecting me. While the account was updated as being PAID it was not removed. I told this Collections Company that this is not my account and I never received a call, mail or any notification that this was an attempt to collect this debt.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (FL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OR)

on XX/XX/XXXX {$90.00} on XX/XX/XXXX {$78.00}, {$130.00}, {$140.00}. I called the bank and reported these unauthorized charges, the bank refunded the money to the checking account and am waiting for a new debit card in the mail. also bank has a fraud claim on these charges. today XX/XX/XXXX I checked my account by phone and now there are XXXX more unauthorized charges done on XX/XX/XXXX for XXXX and {$300.00} from XXXX  XXXX bank, so once again I contacted my bank and had to file another fraudulent claim. so now I was advised to make a stop payment on future charges but now I wonder if that will be for all my charges. the bank thats making these automatic payments is the pnc bank
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

We made a XXXX XXXX XXXX XXXX credit purchase via Comenity Bank with a promotional deferred interest for 18 months. The representative at XXXX XXXX had told us we had until XX/XX/2023 to make the final payment before Comenity Bank assessed the charges. I went online to the XXXX XXXX website to make my final payment on XX/XX/2023 for the final payment of {$480.00} and they assessed an APR charge of over {$1400.00}. 

When I spoke with XXXX, Comenity employee # XXXX, I was told they assessed those charges on XX/XX/2023. I let her know we were unaware of this date as we were originally told we had until the end of the month. I also let her know there was nothing on the website/online portal alerting that the due date of the promotional date was approaching and when paperless statements were received it did not alert the consumer of any promotional end dates on the portal or emails. 

I have used other promotional credit card services with stores and they have always sent an alert via email or on their online portal of when the promotion was coming to an end and have never experienced this type of issue. 
The Comenity website only showed the minimum payment due and the date. It had no features to show a consumer that a promotion is due. This is incredibly misleading. 

In addition, we were not receiving paper statements in the mail prior to opting paperless because they had our last name in their system incorrectly. We have spent well over {$50000.00} with Comenity BankXXXX XXXX XXXX XXXX XXXX alone, and I spoke with three different representatives stating that there is nothing they can do to waive the late payment fee even though it was a miscommunication and misinformation on their end, along with a terrible online paperless feature that did not have any prompt features of when a promotion was approaching the end date. 

I had explained to them that we have been loyal consumers of XXXX XXXX and Comenity for over 10 years and asked if I make my payment in full of {$480.00} on XX/XX/2023, which I did online, if they would waive the fee due to our loyalty and misinformation. Keep in the mind, the end date of their cycle was XX/XX/2023 and I called in on XX/XX/2023. I am aware that institutions such as these have a grace-period ( typically 5-7 days ) to waive a fee, especially due to the incorrect information we received, but Comenity did not.

Comenity exemplified terrible customer service to loyal consumers and did not have a user-friendly website which allowed the consumer to have proper notice when a promotional balance is due. In addition, they charged {$1400.00} fee which is not even 29.99 % of the statement balance of {$480.00}. That 'hidden fee ' is something that I am sure I wasn't the only consumer to experience this on top of a misleading paperless/ website paying portal and wrong information by an employee from the store they do business with.
Consumer complaint received 2017-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

I had been late a few times on my mortgage and even after catching up I have still been charged late fees, property inspection fees, and nsf fees. I use my banks website to pay through Web bill pay and they can not explain how or why I am being charged extra charges. I have been spoken to in a demeaning and rude manner. I do not want to remain with this company and I am currently looking for a different company. My loan was sold to these people from another loan provider. Freedom mortgage has been the worst company I have had the displeasure of dealing with.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I had 2 credit cards through the same bank. Both cards were charged many time for various amounts of money from some international company that I never authorized. The charges were over {$20000.00} and I am currently in the process of trying to get copies of the statements. The bank that issued the cards erased the statements from my online account. I was going through a health crisis at the time and was not able to dispute the charges. That bank consequently sold the accounts to a collection agency and they directed me to this site to help. I am working on gathering information but seem to be unable to do so now that a year has passed.
Consumer complaint received 2021-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (TX)

On XX/XX/2021 I placed a phone call to what I assumed was XXXX to rectify an issue with an order that I thought was not for filled and that I was charge for little did I know it was a fraudulent URL that linked me to scammers that convinced me that I was going to set up some accounts to get my refund cabinet back onto my card they had me download quick support and I remitly I assume when downloading those abs that there was a way that XXXX online grocery had found a way to give customers back their money a credit it to their original method of payment because generally when I return things for my XXXX online grocery I am always repaid baggie with a debit card your mouth monthI assume when downloading those abs that there was a way that XXXX online grocery had found a way to give customers back their money a credit it to their original method of payment because generally when I return things for my XXXX online grocery I am always repaid baggie with a gift card so I went along with this scheme not knowing that later on to discover that these guys were scammers and that they had taken almost {$2000.00} from me when I discovered what they were doing when I was downloading the app and go on two different steps I mediately disconnected the phone and I went up to my bank to let them know what happened my bank is XXXX XXXX XXXX they closed off the account and which one of those returns from the transfer a company was reversed and it was refunded back by the other one has not been refunded back XXXX XXXX XXXX why I my bank refused to assist me with this matter and told me to contact a Remitly and Ive contacted remitly and Ive been told different stories that the money will be refunded and maybe the bank hasnt refunded it back a lot of different things in unless I submit all of my statements to them and then finally they told me that they cant refund the money back because once its transferred its transferred and theres no way to track it and they have suspended my account girl and my bank and said the same thing that they cant help me get it back because I set up the account and gave them the information to the scammers and my bank XXXX XXXX XXXX was very very rude to me and Ive been a valued customer and my bank XXXX XXXX XXXX was very very rude to me and I've been a valued customer I am beyond frustrated and I know nowhere to go or how to get any assistance to get my money back
Consumer complaint received 2015-06-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (CA)

I was a student of XXXX College XXXX XXXX, XXXX, California before its closure on the XXXX of XXXX, 2015. During the course of my stay at XXXX XXXX Loans were obtained. I have been paying the monthly bills up to XXXX, 2015. 
I received a letter from University Accounting Service, LLC of the transfer of the loans, however not all the loans. Please, assist me in this situation. Are all the XXXX Loans in the Loan forbearance? Do I still continue to pay the required bills? Please, help.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NC)

XXXX Opened a Lowe 's cc operated by XXXX  XXXX  XXXX ordered XXXX boxes flooring ( XXXX XXXX ) from Lowe 's the cost of the flooring was {$2800.00} XXXX number XXXX XXXX A partial order for XXXX boxes was filled and picked up. The cost for the partial order was {$1600.00}. I was told a refund would show up on my credit card for the portion of the order that was not filled. The difference between the original and the order filled is {$1200.00} A refund was not received claim was filled with the company. The claim was declined because they interpreted the dispute as filling a claim for the whole amount. 

A second dispute is in process
Consumer complaint received 2021-07-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

First, i do not owe the original company any money because i did not do any businesses with them. I requested Validation of debt. The documents sent to me to validate the debt do not show my name nor my signature as the person liable for the debt. I informed SouthWest Recovery Services that this is a fraudulent debt and it needs to be removed from all 3 credit bureaus. I have sent Southwest Recovery services a notarized letter with my name ID and signature so they can see the debt they are trying to collect on does not belong to me. They still have not removed the debt collection from my credit report.
Consumer complaint received 2019-10-09
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/2019, I filed a dispute with XXXX, regarding several accounts that had been opened, fraudulently, in my name. They deleted a few, but, left two ( 2 ) remaining. I also filed a complaint, with the FTC, about these accounts, and, had a Fraud Alert put on all three Credit Reporting Agencies. As of this date, XX/XX/2019, XXXX  has failed to remove these fraudulent accounts/inquiries. The companies that hold these accounts were notified, and, have rectified the situation internally ; I no longer appear as an account holder on their records, however, XXXX has not removed them from my Credit File, nor, have they responded to my inquiries. The following two ( 2 ) accounts are in question, and, only appear on my XXXX report : XXXX XXXX # XXXX XXXX/PPC  ( PayPal )