davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC (NC)

I was making my normal monthly payments up until I lost my job. I called the Loan company which is Credit Central and asked how do I go about activating the credit protection program for when you loose your job. I was then informed that because of the amount of my loan they took the credit protection option away from me. Not once did anyone tell me that the credit protection plan had been removed from my account due to them giving me an increase on both of the loans I currently had with the company. Spoke with the manager and the disrict manager about the matter and set up a payment arrangement to pay the two payements that were past due. I then called back to the district manager to see what other arrangements could be made considering that if I was to continue to pay them for the next few months then I would be homeless. I didnt recieve any phone call from the district manager about the matter after I spoke with her the first time after not being able to get anything solved by dealing with the manager of the location. When speaking to the manager of the location he offered for me to rewrite one loan to pay off the other loan but, that still would n't have solved the problem because at the time I actually did n't have a job to be able to repay either loan and did n't have documents to turn in to be able to rewrite the loan to pay off the other one.
Consumer complaint received 2017-02-27
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased an American Express Secure Pay Gift Card with a balance of {$500.00} initially. I used it only a couple times when I first purchased it and then did n't use it again until almost 2 months later. When I tried using the card it was declined as having insufficient funds even though I had only used {$100.00} so there should be {$400.00} remaining balance. After checking the transaction history online I noticed that within the span of 4 days someone had emptied the card at multiple locations ( XXXX, XXXX, XXXX, XXXX ). This happened even though I still had the physical card. I called American Express to report the fraudulent activity and try to receive a refund of my stolen balance. They told me that the card could only be used in person if the user had the original physical card. This is clearly not the case and either their database of giftcards was hacked at some point and they deny any responsibility or someone randomly created a duplicate of my card with the correct card number and security code ( not likely ). American Express would take no responsibility and told me to contact each retailer where the card was used and try and receive a refund from each of them.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX ) // XXXX ( XXXX XXXX XXXX XXXX XXXX ), has violated my rights. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-02-16
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. (IN)

Name : XXXX XXXX XXXX : XX/XX/1966 Last XXXX : XXXX XXXX, XXXX and Equifax failed to provide a debt validation for alleged debt to XXXX XXXX account XXXX. I would like XXXX, XXXX, Equifax to remove the account, because they were not able to validate the debt under FDCPA.
Consumer complaint received 2019-02-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AZ)

XX/XX/19 Morning- XXXX XXXX XXXX contacted me regarding an unpaid debt from Walmart for approximately XXXX dollars. On this date they threatened to take legal action. 

XX/XX/19 Afternoon- My wife contacted XXXX XXXX  XXXX and asked about said debt and they gave her private information without anything to verify identity including SSN, Pervious address, Full name and date of birth. At this time they demanded a wire transfer of amount stated. 

XXXX- Demanded wire transfer that was told to my wife and wanted the wire transfer number for tracking purposes. I requested a certified letter with Debt lenders information and amount of deft owed to said collector. I was told that they did not have time for that and would sue me using Walmart 's legal Department. Also threatened to put a warrant for my arrest and contact my place of work. 

They continued to contact me multiple times after and I was advised by XXXX XXXX that I did not have to answer calls made by XXXX  XXXX   XXXX. Also that they have to provide a certified letter with Debt lenders information and amount of deft owed to said collector.
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My home loan was transferred from XXXX XXXX XXXX to SLS Services effective XXXX/XXXX/16. I have spoken with customer service representatives half a dozen times and sent repeated communications. 
1 ) They changed my monthly minimum when transferring my loan as they require 2 months reserve escrow rather than one month. This increases my monthly mortgage without my agreement and now creates a difficult situation to be able to pay the monthly amount. 
2 ) The continue to fail to credit my account for the monthly mortgage and rather apply it direct to principle despite paying timely payments and communications. They transferred the loan on XXXX/XXXX/16 and I did n't find out about the transfer until XX/XX/XXXX. Two payments were made in the original loan amount to my original mortgage company in the amounts of XXXX ( pay XX/XX/XXXX and XX/XX/XXXX effectively ). I spoke repeatedly with customer service and was told to pay XXXX XX/XX/XXXX and that will cover both the XX/XX/XXXX and any missing funds due to the change in monthly minimum due to the increase in escrow funds. I then paid XXXX XX/XX/XXXX which was intended to cover XX/XX/XXXX. They are still disputing that I am missing an entire monthly payment.
Consumer complaint received 2017-01-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I am continuosly being sent letters from debt resolution comapnies saying I owe thousands of $ on different credit cards/companies. I also receive calls saying I owe this and that and that apparently, at some point, I paid on these debts and that I must pay these debts. I did not have these credit cards! I have filled out numerous fraudulant papers because these are not my debts/charges.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NJ)

I applied for XXXX Store Credit card at XXXX or XXXX of 2017. 

I never get their credit card or any of their balance statements to my mail address. 

During XXXX, XXXX and XXXX of 2017, I controlled my card balances at their store with my SSN, if there is any balance, I paid. 

I went overseas, when I turned back to US and I was sure that there should not be any balance, but when I checked XXXX balances, there was XXXX USD or so. These were 60 days late. I paid down all the balance. 

I have no idea how this balance happened, it may be either someone got the Credit Card from my mailbox instead of me or XXXX charged some kind of monthly fee, that I have no idea. 

The 60 days late payment for this small amount is seen as " Serious Delinquency '' in my credit scores and affects my life very badly. 

If I had any chance to get their credit card, I would know the card number and register their online system to eliminate it, but I never got that card. 

I reached XXXX about the issue multiple times, they refused to give me my card number by phone, they refused to delete late payment from my credit reports. 

Once they told me that they can send my statement to my mail address, so I would have a chance to learn my card number, but that statement never reach to me also. I closed my account with them. 

Several times I tried to dispute for that late payment, but they refuse to delete it on my records.
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates (CA)

HAVE AN OLD DEBT WITH XXXX.HAVE BEEN MAKING MOTHLY PAYMENTS OF {$100.00} TO XXXX.GETTING NO ACKNOWLEDMENT OF PAYMENT.NOW I GET A COLLECTION STATEMENT FROM XXXX WANTING PAYMENT FOR MUCH MORE THAN I OWE.
Consumer complaint received 2017-02-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

WAKEFIELD XXXX XXXX TN XXXX XXXX The company claims that I owe {$970.00} for a medical bill that was already paid through my insurance according to XXXX in XXXX, TN. I have been to civil court several times however we never see the judge. I consult with the lawyer and we always reschedule. This item is negatively affecting my credit score, and I wish to resole it quickly.
Consumer complaint received 2017-05-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (MO)

i bought a house in  XXXX  and the loan was sold to  XXXX . i have consistently received my bills with 3 days or less before it 's due. i am cynical enough to beleive that  XXXX  mails bills late on purpose in order to pressure people to pay online so the payment is n't late.   XXXX   charges the exorbitant amount of {$3.00} for an online payment. i tried to call  XXXX  3 times but the phone just rang with prompts to use their website. i have an email sent to them and i 'm waiting for a reply.   thanks,  XXXX
Consumer complaint received 2019-02-27
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. (VA)

I recently went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in awhile and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted the FTC and my police department.
Consumer complaint received 2019-02-27
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. (VA)

I recently went to a credit education class and XXXX of things i was told was to monitor my credit report. I checked my credit report for the first time in awhile and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. XXXX XXXX XXXX XXXX XXXX FUNDING, XXXX XXXX, XXXX XXXX CO, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted the FTC and my police department.
Consumer complaint received 2015-12-02
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Integrity Asset Partners, Ltd. (RI)

Integrity Asset partners is a debt buyer who is helping continue a scam set out by a scam portfolio debt seller. They say they are hiding behind a non disclosure of who they purchased it from. They also sold it to XXXX which threatened with legal action if I did n't pay them, do not mirandize, and juice the amount that they say was an original loan amount when in all actuality the loan never existed. integrity is the only thing in their name that is actually in existence. They knowingly purchased bad cheap paper and sold it to people they did not do their due diligence on.
Consumer complaint received 2015-04-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (CA)

I got a XXXX loan with XXXX pay off. called before lone due let them know due to fraud my bank account was closed and I was waiting for new card. got new card called in and was told I was in collections and now owed over XXXX being told my employer will be called and I will be arrested if I do not pay XXXX. 
This is the person harassing me : Note : To make the payment you would have to call or text our number XXXX or email us on XXXXXXXXXXXX Attorney XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXXXXXX
Consumer complaint received 2022-08-09
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. (NE)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Portfolio Recovery Associates recently started calling me stating that I owed {$760.00} and {$900.00}. This debt was paid off in XXXX of 2010. The card was destroyed. 

I have sent numerous certified letters to Portfolio asking the following : The date the card was used The amount of charges made on the card since the last known zero balance ( XXXX 2010 ) A complete transcript of the activity of the card since then. 
The amount of the debt when it was obtained, and how much interest has been added since then. 

They always fail to provide me with this information, and instead send me an identity theft affidavit and a list on corporate letterhead of the balance I owe, principal and collection costs. Nothing providing existence of the debt owed, as I have asked. They tell me that they do n't have statements to prove when and how purchases were made. They told me that it absolutely, without a doubt, 100 % had to be my debt because my name and address is on the account. I know that I am entitled to the information i am requesting under the fair debt collection practices act.
Consumer complaint received 2015-08-28
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (CA)

I applied to Barclays Frontier Mastercard by XX/XX/2015 and was approved. On XX/XX/2015 statement Barclays transfered XXXX miles ( points ) to Frontier Airlines. On XXXX statement Barclays transfered XXXX bonus miles after my spending requirement has met. 
However my account at Frontier Airlines shows no mile was credit. 
I contacted Barclays almost XXXX times by either phone calls and secure messages with XXXX case numbers XXXX, XXXX, XXXX, and XXXX. 
I also had XXXX three way callings between me, Barclays, and Frontier Early Return Specialists, Barclays promised me that my missing XXXX miles will be credit to my Early Return account within XXXX days. They never fulfil their promises. 
As of today XXXX/XXXX/2015, my Frontier account still has no mile in it.
Consumer complaint received 2022-10-05
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. (FL)

In accordance with the Fair Credit reporting act convergent account # XXXX or account name XXXX XXXX Bank, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer report agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-01-18
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: WELLS FARGO & COMPANY (CA)

There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. WFDS Inquiry XXXX XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2017-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Progressive Financial Services, Inc. (FL)

XX/XX/XXXX-XX/XX/XXXX I closed my account with XXXX. I was tired of at least a weekly outage always some excuse about my location. I turned in my. equipment and paid my last bill. I prorated the days I was without serice, I explained that at the XXXX office in my are when I turned in my equipment. I explained that nicely to the service rep that is should not pay for something I was n't getting. She agreed and after reviewing all my many calls regarding cable outage. I received a bill for the equipment ... I spoke to a supervisor after receiving a couple of bills. The problem was settled as it was their oversite. Never received a bill after that call. XX/XX/XXXX I got a bill from a collection agency 6 years later stating I owed {$400.00}. I called them, shared the story and told them in no uncertain terms I do not owe this and I am NOT paying for a bill I do not owe. I never received another collection notice after that call. Now it has been 7 years and recently did a check of my credit report and noticed this from XXXX showed up on XXXX. It is showing as the debt was from XX/XX/XXXX ... that is wrong. I would like this issue resolved, please. Btw I have been a happy XXXX customer since XX/XX/XXXX.
Consumer complaint received 2021-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

On XX/XX/XXXX at XXXX XXXX I was looking at my bank account and I saw a transaction for- XXXX another one for XXXX and another one for another-XXXX  XXXX all within the same minute I called immediately to tell my bank they said they can not do anything until the transactions went through then they could do a dispute. I said, declined them! why would you wait until somebody could steal my money! dont let them steal my money! they said, Im sorry its policy to let it go through then we can start a dispute so I had them cancel my card I changed all my passwords and everything so I felt safe again. 
On XXXX transferred more money from my XXXX XXXX XXXX XXXX to my account in the amount of XXXX, {$200.00}, XXXX like I have been doing because I was raising money to fix my vehicle so that I could go to my XXXX for XXXX in XXXX in XXXX instead those also showed negative-XXXX  XXXX. XXXX even though my bank card had been canceled and they also said the same thing, I called immediately they said wowww, exact words, how did this happen when your card is clearly been turn off and compromised, we know this for sure. Then again tells me that they would have to wait for it to go through to start another dispute. 
I told them I have the receipts from XXXX XXXX stating it went into my bank, it never showed that it went into my bank account, only that it came out .you will see Im going to attach my account number and the transactions that came out of my account I found this company very fishy when you dont decline a theft of money to protect the consumer and they are not putting my money back I need Helprin get my money back asasp
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I have a mortgage with Fifth Third Bank and I continually have issues with the processing and application of my payments. I have also recently discovered that Fifth Third Bank has misappropriated my property taxes which has created a delinquent balance and has been charging unwarranted fees. Also Fifth Third Bank has been misinforming credit reporting agencies which has damaged my credit score.