davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
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: SYNCHRONY FINANCIAL (PA)

On XX/XX/2020, PAYPAL VIA SYNCBPAYPAL add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NC)

In XX/XX/2019, I filed an online dispute with the credit bureaus disputing the accuracy of my American Express account. There were a few issues with the account. 
1. It was closed. Sold to another lender ( XXXX XXXX  ) I could no longer contact Amex. 
2. That information was not showing on any of my credit reports. 

American express responded by " supposedly re-opening '' my account. The account was never re-opened, as that can not happen. 

American Express closed & charged-off my account in XX/XX/2019 as you will see in the documents attached. They have been reporting late payments every month to the credit bureaus since XX/XX/2019 until now XX/XX/2019. 

This account is inaccurate and reporting 3 different ways to 3 different credit bureaus. 

These are CLEAR violations of the FCRA and this information and account needs to be deleted asap. Thank you for your attention to this matter, as it has an severe adverse affect on my credit.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Certegy Holdings, LLC (PA)

Certegy declined a check at XXXX on XXXX I have written checks at XXXX prior to this past year- I am a customer since the store opened. It is a business account and has ample funds. No one at Certegy could tell me exactly why my check was declined. I provided my drivers license. I have not been in the store for over a year due to COVID 19. I have a great credit score, own my home and vehicles. There is absolutely no just cause to decline my check at a store that I have a good relationship with. I have never had a check declined in my entire life until yesterday. It was embarrassing and wasted hours of my time trying to get a valid reason why. This company isn't doing XXXX and favors and will likely cost them, customers.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I constantly receive calls from Portfolio Recovery Associates. I have informed them to stop. They called my father and threatened to have me arrested. I have been cursed at by a man who said that he was an attorney. I informed them that I wanted proof of the debt. I also informed them several times my only source of income is Social Security XXXX benefits yet I receive at least 2 calls a day.
Consumer complaint received 2019-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2019, I purchased a concert ticket for {$60.00} from a XXXX user. He sent me a request on XXXX for the agreed upon price and I accepted the request. He told me he was sending the tickets and then blocked my phone number. I called my bank ( Capital One ) and immediately reported this transaction as fraud. They ultimately denied this claim, stating that I sent the money on my own. I do not believe that I owe money to a person who did not provide the good that I paid for and am requesting a refund.
Consumer complaint received 2019-07-17
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. (NV)

EQUIFAX, XXXX XXXX, I RECEIVED A LETTER STATING THAT I WAS A VICTIM OF YOUR CREDIT BREECH. ( EQUIFAX, XXXX ) I HAVE BEEN DISPUTING ACCOUNTS OPENED IN MY NAME THAT IS FRAUDULENT AS WELL AS FRAUDULENT INQURIES. AS OF THIS DAY NONE OF THE ACCOUNTS HAVE BEEN REMOVED NOR THE INQUIRIES. ACCORDING TO THE FCRA ACT, 15 U.S.C.1681 SECTION 609A1 A YOU ARE REQURED BY LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICTION OF THE ORIGINALSIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS YOU POST TO A CREDIT REPORT. I SENT A SIGNED AFFIDAVIT IN XX/XX/2019. INDICATING THAT THE FOLLOWING ACCOUNTS ARE NOT MINE. I HAVE SINCE WAITED ON THE SUPPORTING DOCUMENTS ( SIGNED CONTRACT ) BY ME. I AM ASKING AGAIN BEFORE I CONTACT THE FCRA TO PLEASE REMOVE ALL UNVERIFIED ACCOUNTS FROM ALL 3 CREDIT BUREAUS .IF NOT YOU ARE IN VIOLATION OF 15U.S.C.1681YOU ARE REQUIRED UNDER FEDERAL LAW TO HAVE A COPY OF THE ORIGINAL CREDITORSDOCUMENTATION ON FILE. THIS IS MY SECOND REQUEST TO REMOVE THESE UNVERFIED ACCOUNTS BEFORE I FILE A COMPLAINT WITH THE FCRA. OR PROVIDE ME PROOF WITH MY SIGNATURE AUTHORIZING THESE ACCOUTS ALL OF THESE ACCOUNTS WERE OPENED FRAUDULENT AND ONLINE. 

XXXX XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2019-09-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I want to be removed from the loan that was refinanced without my permission. I originally agreed to co-sign the personal loan for the amount of {$17000.00} for my daughter. She was going through a rough time with a break up and a new baby and I offered to help her out with getting caught up on her bills and what not. This was on XX/XX/XXXX. I then agreed to change the financed amount to {$20000.00}. 

At this point I thought the loan was signed for and it was good to go. I then recently found out through checking how much time was left on the loan since it wasnt my loan and my daughter had been paying on it for what I thought was awhile. That it had been refinance twice since then I do not check my Usaa account at home or online since it is less secure and I have had my identity stolen in the past. I didnt think anything of it, just assumed the loan was being paid by my daughter for the original amount we discussed. I noticed when checking that it is not for the {$20000.00} I had thought. She has since refinanced the loans, and no one ever talked to me or spoke to me at all. She had my social from the first time applying. 

Since then there have been two refinances one for {$40000.00} on XX/XX/XXXX and then an additional one for {$46000.00} on XX/XX/XXXX. 

Neither of those times was I spoken to about the new loans. I want to be removed from those two loans as I never agreed to the loan for that amount.
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc. (AZ)

This is FRAUD and pure retaliation from XXXX XXXX. They falsified a pretend and made-up invoice and billed me {$6700.00}. There is ZERO merit in this nor any validity. Attached is XXXX XXXX report XXXX showing house was full of damages when moved in. XXXX  ignored this document. XXXX XXXX is also known as XXXX, who said, XX/XX/2018 that it was I who created images in the home when I did not, as per XX/XX/2018 documentation, which was submitted to court and XXXX  XXXX XXXX was DISMISSED and Judge told XXXX no other fees warranted. XXXX then submitted the FALSE bill to THUNDERBIRD COLLECTIONS. THIS IS FRAUD
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (GA)

On XXXX I closed on a refinance of my mortgage with Finance of America Mortgage Company. My mortgage was assigned to a company called XXXX XXXX for servicing. 

Problem : The amount that XXXX XXXX deducts from my monthly mortgage payment is XXXX ( {$3600.00} annually ). On XXXX I received a letter from the XXXX County Tax Commissioner 's office that my homeowner 's taxes would be reduced from {$3600.00} to {$1200.00}. Based upon this reduction, the amount that XXXX XXXX should be deducting from my monthly mortgage payment should be approximately {$100.00} per month as opposed to {$300.00} per month. 

I have contacted XXXX XXXX on 3 occassions via their website and via phone regarding this situation. I submitted the attached documentation provided to me from the XXXX County Tax Commissioner 's office, however Loan Care has not made the correction, instead, I received the attached document from them called Annual Escrow Account Disclosure Statement dated XXXX which indicated that the correction was not made. 

Today I looked at my account on the XXXX website. The escrow and insurance page reflects that my escrow amount is now {$1200.00} annually. However the on the Payment Information page it reflects that my the escrow tax amount deducted from my monthly mortgage payment is still XXXX ( {$3600.00} annually ). This is an obvious discrepancy and XXXX XXXX is still deducting the wrong amount from my mortgage payment and is charging me the wrong amount for my mortgage payment. 

I would like my escrown payment to be corrected, my mortgage payment amount to be adjusted accordingly and XXXX XXXX to send me any overage that I am due. 

Thank You
Consumer complaint received 2019-09-29
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)

When i received my credit report on XX/XX/2019 i noticed fraudulent accounts or accounts that i did not authorize so i made a police report and i also filed a complaint with ftc and i'm following up with you guys because my current grievances wasn't met.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

I want to file a fraud transaction report that happens to me, I have become a fraud victim on our transaction with XXXX XXXX, XXXX, XXXX, Florida. 
- I pre-ordered five XXXX Bikes with total of {$15000.00} in XXXX XXXX. I did a wire transfer to XXXX XXXX Account two times, {$9000.00} in XXXX and {$6000.00} in XX/XX/XXXX. XXXX XXXX promised to deliver these five XXXX in XXXX XXXX. However, until today ( XXXX of XX/XX/XXXX ), they have not delivered any of these bikes, or sent any refund to us. 
- I have tried to discuss with them since mid-XXXX XXXX, regarding our order and possibility of refund. However, they always make an excuse to us in regards the delivery, pick-up in store & refund, also I have a difficulty to contact them. 
- I have contacted our Bank, to help me to get the refund. However, they could not help me to reverse the wire transfer that has been made. I made XXXXhree wire transfer with two different Bank. My first bank transfer was with TD Bank, and my second & third transfer was with XXXX. 
- Furthermore, I checked some review in XXXX, XXXX, XXXX, and XXXX about XXXX XXXX, I found there are some people that has a same issue likes me. Based on this information and our above-mentioned situation, I believe that XXXX XXXX has done a fraud transaction to us. 
- I have all the evidence to support my case, such as my wire-transfer, invoice and written communication with XXXX XXXX. I hope CFBP Team could help us to solve this issue, and prevent this issue happens again to our community. Thank you so much for your attention and further support. 
- Warmest Regards, XXXX XXXX XXXX
Consumer complaint received 2021-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (VA)

I purchased a new vehicle using a TD Auto Finance Loan. Their website is the primary bill pay mechanism. When you go to set up autopay the ONLY OPTION is to pay the exact monthly payment amount. You can not set up an autopay schedule to contribute MORE than the monthly minimum payment. This is CLEARLY SET UP TO MAXIMIZE THE COMPANY 'S PROFIT. I tried calling TD Auto Finance to set up an autopay amount greater than my monthly minimum payment which would benefit me, the consumer, by reducing the principal and thereby the total interest owed. Further, the website is confusing for most users as it tries to give you the option of applying any excess payment to next month 's minimum payment rather than the principal. TD Auto Finance is preying on unsophisticated borrowers and creating artificial barriers to reducing overall costs to people financing vehicles.
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

I have requested on numerous occasions to see a detailed, itemized bill for why I owe this debt, but the company has not provided this information. They also have sent me several low settlement offers but when I call, they tell me the settlement has expired and I have to pay the full amount. They refuse to allow a settlement despite what they send me in the mail, nor will they provide details on what this debt is for. Not only do I want an itemized bill, I also want proof that the itemized bill is accurate.
Consumer complaint received 2021-07-21
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: NAVY FEDERAL CREDIT UNION (OH)

On XXXX XXXX I sent a credit validation letter was sent to Navy Federal Credit Union asking them to provide me with a contract that show my wet signature connecting me to the an account that is XXXX, XXXX  and XXXX  credit reports, in the amount of {$3900.00}. On XXXX XXXX I received a letter in the mail stating that the account is " verified. '' My request was not granted, and sending a stall tactic saying that the debt is verified without showing how it was verified is a violation, according to the 15 USC 1692 -1692p. 


Also, on XXXX XXXX I sent a credit validation letter to XXXX XXXX XXXX XXXX another account that is fraudulently listed on my credit report. I was unsuccessful with getting a response from this company. So, I called this company on XXXX XXXX and was told that they do not have a contract with my wet signature, however the debt is verified. I never received anything in the mail regarding my request and this account is only being listed on my XXXX  credit report, which is indeed a violation, since each bureau should mirror one another. 


Additionally, An account listed with XXXX XXXX XXXX XXXX who's a debt collector for XXXX XXXX XXXX XXXX  is being reported to XXXX, XXXX  and XXXX. This account appears to be a medical bill. I reached out via phone to this company on XXXX XXXX and explained that this is a HIPPA violation, and this account needs to be deleted immediately and no information should be shared to any third parties in the HIPPA law. The representative was noncompliant and hung up the phone. 


Finally, There is an account listed on my XXXX  credit report with no original creditor or collection agency being reported, by having this misinformation I was unable to contact the company directly. I contacted XXXX  and the representative stated that she was unable to remove the account, and I had to dispute it.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NJ)

On XXXX XXXX, I received notification that my credit rating dropped 50 points for no reason. I immediately contacted XXXX and asked them how that happened. I was told to contact XXXX about this matter. XXXX representatives tried to charge me for the information I was requesting. When I refused to pay anything for the information, they gave me very complicated and convoluted instructions about the procedure I needed to follow in order to obtain such information.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX- Ref # XXXX XX/XX/2022 XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Ref # XXXX Account Name : XXXX XXXX XXXX  # XXXX, # XXXX, # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Has violated my rights 15 USC 1681 section 602 A . 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 my written instructions. 

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I have automatic payment set up with my Bank to pay the statement in full every month. 
However, they are charging interest on items they say " have been purchase during the credit card statement cycle '' EVEN THOUGH THEY DO NOT SHOW THOSE CHARGES ON THE CURRENT STATEMENT FOR ME TO PAY!! 
How can I pay the full amount if I or my bank isn't given the correct amount? 
They said I should CALL THEM to find out. 
I think the correct amount should be on the credit card balance due. 
Example : last statement was for {$1200.00} and my bank paid that amount in full. 
This months statement has {$44.00} in legitimate charges but an additional {$10.00} for interest.
Consumer complaint received 2022-12-01
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. (SC)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

EQUIFAX is govern by USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC : I have the right to privacy and I did not give EQUIFAX written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC. (CA)

On XXXX of XXXX, we bought a refrigerator in XXXX XXXX Department located in XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; with a phone number Phone : ( XXXX ) XXXX. We leased the refrigerator with their 3rd party leasing company called : XXXX, XXXX located in XXXX XXXX XXXX, XXXX, NH XXXX with a toll free number XXXX, and an email of XXXXXXXXXXXX I do n't remember if we leased it for 12 months. There has been issues on the automatic payment because my husband 's debit card was compromised 2x with XXXX XXXX. I remember buying out the lease with them on XX/XX/XXXX. I believe i even asked them to send me a hard copy of the buy out. On XXXX of XX/XX/XXXXwe started receiving letter from the collection agency. I asked them to give me the details of the amount they are trying to collect because i know that we already bought out the lease. But they ca n't give us any information since according to them, WHY NOT LEASE IT just forwarded our account to them. They are collecting the whole amount of the Fridge when we first got it. I tried explaining to them that we made payments and that we bought out the lease. I called WHY NOT LEASE IT to ask for a hard copy of our payment but they said they do n't have our account info with them anymore since they forwarded it to the collecting agency. I called XXXX as well if they can provide copy of the receipt back in XXXX of XX/XX/XXXXbut they told me they ca n't. I must have misplaced or threw away my receipt so I have no basis on my lease with them. All I have is a copy of our bank statements showing the money taken out from our account.
Consumer complaint received 2019-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I wrote a letter for forgiveness to student loan in the past and didn't receive any response!!! here is my story I'n XX/XX/XXXX I did not graduate H.S, was short by 2 English credits, along comes federal student loan trying to trick me into getting a federal student loan for the amount of XXXX.Also receiving XXXX grant money to go to XXXX XXXX colledge in XXXX , at the time I excepted the loan because they kept coming at me with it, everybody knows its a sensitive time after getting out of H.S, did they know where I was at in life! No, nor did they bother to care that I was an average student and didn't graduate! No, so not quite being ready for colledge I dropped out, I just wasn't ready and the reason being was from a injury that I received when I was XXXX XXXX XXXX XXXX   when I was riding my bike on the road by our house in XX/XX/XXXX ever since that incident I had a hard time maneuvering thru life with the simplest tasks, i also tried to get help like S.S., I went in front a judge on XXXX XXXX to get help and I couldn't continue because the judge non sympathetic and didn't care, so there go our beautiful system at work! so after years of no payments at all towards my student loan, it then got transferred to XXXX XXXX, then now present day to Navient just under {$10.00} all in accrued interest, to finish off back in XX/XX/XXXX I did some sort of electronic paper work with Navient or XXXX XXXX putting my loan into foreberence and hardship, now I'm thinking that was a grave mistake because it made the the loan harder to forgive, another one of their tricks that they don't explain to you.so there is my story!!! ps if theres anyone that can help please do so or pass it on to someone who would take the time to care and relieve me of this 37 year old financial madness!!! so it can be forgiven!!!