davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
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: EQUIFAX, INC. (GA)

I called Equifax on XX/XX/2019. I am a victim of identity theft, my identity was stolen years back. I called Equifax to dispute some fraudulent accounts that are on my credit report. There is also some Hard Inquiries that are fraudulent that I wanted to dispute. I was also notified by Equifax a year ago to inform me that my credit file was compromised due to a Breach in their system. When I was finally able to spoke to a representative about my disputes, she fused to verify my information and she would not take my disputes.
Consumer complaint received 2020-09-19
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX   XXXX - XXXX - XXXX - XXXX - Through The Country Do - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (CT)

On XX/XX/XXXX a collection account appeared on my credit report from Eastern Account Systems of Connecticut in the amount of XXXX. 
The original XXXX was XXXX XXXX. After contacting XXXX XXXX and confirming that I did not owe that amount and had a credit balance of XXXX XXXX. 
I contacted Eastern account Systems to verify the accuracy of the account and complain that no notice or contact was received from the company. After complaining that they were required to allow me to verify the accuracy of the debt. They sent a first contact letter dated XX/XX/XXXX, with an inaccurate amount and the original creditor name and account number. 
After disputing the accuracy with the three Bureaus, Eastern account systems continues to report inaccurate information on my credit report which is a violation of the fair credit reporting act.
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

Hi, Credit card company ; Walmart. Made a purchase on XX/XX/19. Received bill on XX/XX/19. Credit card bill due on XX/XX/19. Shouldn't there be more time for me to pay this bill? I read something about 21 days from receiving the bill untill due date. This is not the case. This is not the first time Walmart has done this. This is why I'am filing a complaint.
Consumer complaint received 2018-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (FL)

After having to leave the state of Colorado due to medical issues, my FMLA has denied and I found myself struggling to cover expenses. I called the car company and asked them to please come and pick up the car due to the financial issues. The representative whom had been very pleasant any other time that I had dealt with her, starting getting very loud and attempting to explain to me that they are not in the business of just picking up vehicles and I that I just need to find someone to borrow the money from. She continued to berate me to the point that I just had to hang up. After a month of multiple daily phone calls and continued threatening messages they finally scheduled a pick up of the vehicle. It has been a month and a half since they picked up the car and they are still calling multiple times each day, including Saturdays. I asked them to please stop harassing me that it wasn't helping the situation to be told that they would just continue to call until I gave them their money. 
I get calls all day long from several different individuals. I haven't had the vehicle in almost two months and they will not sell the vehicle so I can settle the account.
Consumer complaint received 2022-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I am a parent ( age XXXX ) who took out student loans through Nelnet ( servicer ) These loans were taken out in 2004 at the amount of XXXX $ they are now XXXX 
This servicer has continually provided the most inaccurate and wrong information throughout the years.. I made years of payments.. I was never informed that these particular type of loans were discontinued several years ago.. Each time I called in they told me to apply for Income based repayment, along with several other programs that I did not qualify for ... years of wasted wrong information. 
These loans are also comaker loans with my wife.. which makes it worse and They do not allow me to consolidate the loans.. 
I have requested this several times..as years have passed. 
They accrue interest of XXXX a month AS a senior citizen the fact that no help is offered in any way... is very worrisome to me and my health.. 
The representatives they have have steered me into a black hole ... .in which I can never get out I need help in this matter Thank you XXXX
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CALM, Inc. (WI)

My complaint pertains to predatory auto-renewal subscription business models that many companies have adopted ( both specifically and generally ) this day and age. Specifically, the Calm app claims that it's a free app, and I must have downloaded it for free about a year ago, because I recently noticed a charge of {$59.00} from the company in my XXXX account. Most importantly, I did not authorize this payment. XXXX advised me to report it as fraud ( which I did ), and then they reissued me a new credit card. 

But lo and behold, the charge reappeared in my account after XXXX reported it. After calling XXXX about the resurrected charge, I was told that the dispute had been closed and there was nothing they could do about it on their end. I then contacted Calm and am still trying to convince them ( through XXXX ) to reimburse me for the {$59.00} annual renewal that I did not authorize. I have not used the Calm app at all and don't feel like I should be charged for a service that I do not want access to for another 12 months. 

Generally, companies should NOT be allowed to automatically renew their services without the permission of their customers. This is unethical and reinforces the digital scam culture, as many consumers can not keep track of which subscriptions they have and when these subscriptions officially end. Further, consumers do NOT read the fine print and should not be expected to. It's a poorly written piece of communication - a lengthy statement that the layperson can not read thoroughly, not to mention how difficult it would be to remember what is specifically mentioned when one must accept the terms. Companies need to stop preying on the faulty memories of their customers. Stop stealing our money without asking us to authorize another day, month, or year of a service first.
Consumer complaint received 2022-09-18
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: EQUIFAX, INC. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I XXXX XXXX received a summons from PORTFOLIO RECOVERY ASSOCIATES for an alleged debt on XX/XX/2021. According to the Fair Debt Collection Practices Act 15 USC 1681. ( a ) ( 4 ) I as a CONSUMER have the right to privacy. And I XXXX XXXX have been violated. 15 USC 1692c ( a ) PORTFOLIO RECOVERY ASSOCIATES did not have my written permission to furnish any information on any consumer report nor did I give them the address to my residence. To date PORTFOLIO RECOVERY ASSOCIATES has not VALIDATED any information I the consumer have requested. 15 USC 1692e ( 10 ) PORTFOLIO RECOVERY ASSOCIATES continues using deceptive means in their attempt to collect this alleged debt by sending paperwork to different address ' to delay my receiving and replying in a timely manner.
Consumer complaint received 2021-10-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The listed company ( Portfolio Recovery Associates LLC ) completed a soft pull of my credit report without permissible purpose. Such action was a direct violation of my consumer rights, warrantable of {$1000.00} per offense. These actions have left me emotionally weary and uncertain in regards to my personal credit information. I would like an immediate remedy to this mishap from the company in the form of deleting the fraudulent account from both my XXXX and XXXX credit reports.
Consumer complaint received 2019-06-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX**** ; XXXX/XXXX  XXXX**** ; XXXX XXXX XXXX   XXXX**** ; XXXX/XXXX XXXX**** ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2021-04-23
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: CarMax, Inc. (TN)

I have contacted XXXX  and the Creditors ( Carmax Auto Finance ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank unilaterally closed my account without notification some time before XX/XX/XXXX They say they closed the account due to inactivity, as specified in their online terms and conditions. Of course, their terms and conditions do not bind them to notify me. 
The expiration date on the card is XX/XX/XXXX and so I should have been notified. 
This is not the first time, but this time I am tired of their incompetent arrogance, especially of their customer service manager XXXX. 
They offer store cards, confusingly and incompetently XXXX XXXX discontinued their services after less than 30 days, after they refused to accept responsibility for their actions XXXX and then close them. This results in hits to my credit score, over which I have no control nor recourse.
Consumer complaint received 2017-12-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I continue to receive repeat calls from XXXX XXXX XXXX in regards to my current bill. When Im ONE day past the due date calls begin at XXXX and they call every hour until XXXX something before close. 8-9 calls a day every day. Monday- Sunday. I have asked repeatedly for the calls to stop especially on Saturday and Sunday. They have given specific account information to my domestic partner with knowledge that I was not present or available.
Consumer complaint received 2018-06-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (SC)

My bank account was constantly being garnished for an amount well over what I actually borrowed. I constantly called and inquired but they would refused to stop taking money out of my bank account which forced me to file a complaint with my bank and closed the account. They sold my information online and now all kind of fraudulent payday loan companies are reaching out to me accusing me of owing them money this company is a fraud. I do not owe them anything. They kept calling and harassing me and that is not common collecting practices.
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WV)

I have been calling in to pay my XXXX Preferred Account bill which is with Paypal Credit, they would not let me pay online anymore. At first I had to call every month to make a payment, then in XX/XX/XXXX they told me they could set it up for automatic bank draft for 6 months and then I received a letter XXXX XXXX XXXX was being bought out by XXXX XXXX, and after XX/XX/XXXX, my payments would need to be changed. On XX/XX/XXXX, they did not take out my payment which I had scheduled in the amount of {$80.00}, even though my min payment was XXXX. They then sent me a bill for XX/XX/XXXX and charged me a late fee of {$27.00} and now want my payment for May which was due on the XX/XX/XXXX and for XX/XX/XXXX which is not due until XX/XX/XXXX. They refused to give me credit of the {$27.00} unless I pay them the total minimum due of {$130.00} as of today XX/XX/XXXX. I have  been faithful in making payments to the company, and I also had a Bill me Later account which was separate, the Bill Me Later Compnay closed my XXXX account for no reason except, that they said my bill came back to them, even though they received my monthly payment? What is going on? I also had a Bill Me Later Account, and Now PAYPAL is saying I have to go online to pay the bill. I also have the Bill Me Later which is now Paypal also and changing to the same Company. This is PAYPAL doing this to me and I have not received my billing for PAYPAL and I am very upset that I made advance payments and the company did not give me any notice as to the change except to be effective XXXX XXXX XXXX. This is not fair and I feel that I do not owe the {$27.00} late fee because the company did not do as we had verbally agreed to on the telephone. I am willing to pay the payment which was due in XXXX, but not to advance them the payment which is not due until XXXX XXXX XXXX, nor pay the late fee. This company has to be stopped and they are  probably ripping off many other customers My XXXX acct is now scheduled with a payment due on XX/XX/XXXX in the amount of {$130.00}, previous statement minimum payment was {$65.00}, which is the only amount that I owe. This company has fraudulently not processed my payment and has placed a fee on my account which I do not owe of {$27.00}. Please contact me with a follow up as to this situation. I do not know if my Paypal account is doing the same thing, I am going to call them this evening. According to my letter dated XX/XX/XXXX, I will no longer be able to make a payment through paypal or Customer Service and the only method to make a payment will be via Mail using my billing statement. No electronic or Internet payments will be allowed according to XXXX XXXX. This is not fair to any of us and this can be placed against my credit history and I feel that I may not be the only one who is being abused by PAYPAL.
Consumer complaint received 2022-11-17
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. (CA)

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

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX Amount {$2400.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Servicing Group LLC (AZ)

XXXX debt collectors keeps calling and texting me. I keep blocking the calls. I refuse to give them any personal information by talking to them.If they dont have the information then its not legitimate. I see many complaints about these people online. I have never received any kind of billing from them. I watch my credit all the time so i am assuming its XXXX XXXX debt collecting on a debt that has passed statute of limitations. I want them to stop and desist I have no debt with them.
Consumer complaint received 2021-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland Credit Management Is consistently sending me letters after I have already let them know that I have no knowledge of the debt they are claiming to be mine.I asked them not to contact me and to not report this to my credit report. This is invalid. They also did not respond within a five day period with any validation. I contacted Midland Credit Management on XXXX XXXX for validation. I also contacted them again on XX/XX/2021. Still no documentation. 
According to 15 USC 1692g Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
Midland Credit Management sent a letter dated XX/XX/2021 stating that they do not know what I am disputing. Neither do I and this is well over 5 days after initial contact. 

In pursuant to 15 US Code 1692 I have disputed this debt.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WV)

On XX/XX/2018 I requested Equifax to renew my Extended Fraud Alert for a new 7 year period they refused saying I needed a new Police Report I am not filing another report this is a renewal not a new request they have no right trying to burden me a ID THEFT VICTIM telling me to file a new report and send them a new copy I am not going through that again
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Around XX/XX/XXXX I opened a XXXX XXXX Card. I paid it off in XX/XX/XXXX; however, it was sent to collections. Portfolio Recovery (bought debt from XXXX XXXX) says I owe $XXXX  but I have proof I paid $XXXX. The date open date says XX/XX/XXXX. I sent a dispute in XX/XX/XXXX and literally that day I received a response via mail. I have contacted this company on numerous occasions, but they tell me they will not investigate.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (KY)

XXXX 2016 XXXX XXXX XXXX/NAVIENT reported me as being 90 days late on my student loan without any prior indication of being 30 or 60 days late. It 's inaccurately reported to the credit bureaus that I was late at all.
Consumer complaint received 2021-11-10
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: Resurgent Capital Services L.P. (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} Cach LLC XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX  XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A