davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Ygrene Energy Fund Inc. (CA)

My name is XXXX I'm a victim of fraud. I'm a member of XXXX. Unfortunately I was a victim of pace funding they scammed out {$79000.00} from Hero and {$79000.00} from XXXX, a total of {$150000.00}. By taking out various loans under my name they scammed me, non of the promised work was done.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (UT)

Previously Disputed Completed XX/XX/XXXX I Don't Recognize This I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Created XX/XX/XXXX I Previously Disputed This I previously disputed this inquiry stating : " I dont recognize this inquiry by this lender, and I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry or delete this inquiry.
Consumer complaint received 2021-04-01
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. (UT)

Hello my name is XXXX XXXX I'm A federally protected consumer, i would like to thank you for the opportunity to address your concerns regarding Equifax ( consumer reporting agency ). i XXXX XXXX Authorize Equifax to proceed with my complaint, regarding my last complaint this consumer reporting agency tried to slip away from. This reporting agency ( Equifax ) has infringed upon my right of privacy with unfair reporting. Through my thorough investigation I have found that this reporting agency was reporting information solely between the person making the report and i the consumer which was an approval extension of credit directly by the issuer of my credit card which should been excluded from my consumer reporting agency. which is in violation under the FCRA 15 US.Code 1681a ( 2 ) ( i ) ( B ) I XXXX XXXX XXXX ( Consumer ) have never given consent for this reporting agency ( Equifax ) to report Any information Nor did i ( consumer ) give written consent to report Any accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my behalf is under violation of 15 usc 1681b ( 2 ). No consent is defined as identity theft. I have disputed the validity with this consumer reporting agency and they still continue to furnish my report. If consumer reporting agency remits violations, please provide My initial signature authorizing consent to report my private information, please provide to me exhibits about these accounts. I have send this reporting agency of an Affidavit which was not rebutted with proof, my next step will be the litigation with this agency. I have identified my identity through a notary presentment. This reporting agency has not Validated how they got my information These are Federal violations under FCRA, and hope this complaint is taken seriously, if not my next step will be litigation if accounts listed are not removed immediately. I believe that I ( consumer ) have fully addressed my concerns of the validity of this matter, will still stand.
Consumer complaint received 2020-05-27
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. (FL)

i have sent documentation to both Equifax and XXXX, that shows that the XXXX account was opened by identity theft. i sent them a police report and my address at the time that it was opened that i did not live in the area or even the state where it was opened. and yet, they are still reporting this as accurate. i have asked them to show me documentation that shows my signature and they can not produce it. XXXX   couldnt verify it and they deleted it so how are Equifax and XXXX  reporting it as accurate??
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VA)

I have been called multiple times by XXXX XXXX  in an attempt to collect a past due balance. They have called more than 3 times in one day, and often times call from an " unknown number '' just to see if I will answer. I have also been laughed at over the phone by their most recent representative, and have been told misleading information about the balance owed and how " past due '' it is. She also stated " We will continue to call every day until this is caught up. '' The calls have been made on : XX/XX/2019 @ XXXX 4 times Wednesday, XX/XX/XXXX @ XXXX, XXXX XXXX, XXXX, XXXX, and XXXX 3 times Tuesday, XX/XX/XXXX @ XXXX, and XXXX. I have multiple records of these repeated phone calls and have been called more times than this. The most recent attempt was by far the worst. The employee laughed in my face, falsified the amount owed, falsified the payments past due, and failed to tell me who she was until midway through the conversation. The previous call on Wednesday, the employee apologized and said they would not be calling anymore because I made the payment, but then this employee calls again saying they will continue to call and that I was still 2 payments behind, which is incorrect.
Consumer complaint received 2023-01-12
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. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/2020 I sent a certified letter to TransUnion to dispute unauthorized inquires on my account. As of today, XX/XX/2020 I have not received any correspondence from TransUnion of the results of the investigation.
Consumer complaint received 2023-02-15
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: SYNCHRONY FINANCIAL (VA)

Synchrony bank owes me {$270.00} in refunds on accrued interest payments for mishandling the allocation of my monthly payments towards promotional " no interest '' if PIF purchases. 

Initially I was told via phone that my automatic payments were going to my oldest promotional purchases first. Later I was told over the phone that my monthly automatic payments were not being paid towards my oldest promotional purchases as I had called and requested every month since automatic payments began, but instead distributed across all of my promotional purchases in random amounts. 

This was an intentional act on Synchronys part in order to cause my promotional purchases to default so they could collect interest. 

At no point should any of my promotions have gone into default. Each one was set to be paid in full before the promotions expiration date. Synchrony was willfully negligent in distributing my payments. 

I called Synchrony again to try and resolve the issue on XX/XX/2023. They were uncooperative and said they had no record of phone calls. A supervisor refused to share phone records and told me to subpoena them if I wanted them. I have my cell phone records that show phone calls to their XXXX phone number that last anywhere from 15-30 minutes. These records show outgoing calls I made every month where I request allocation of my payments to older promotions so they would not default. During these calls I was assured each time my payment was being distributed as requested and my promotions were in good standing with no chance of defaulting. 

I have paid my remaining balance to Synchrony bank in full minus the {$270.00} in accrued interest they are requesting. 

Synchrony broke their agreement to distribute my payments to the promotions I requested and is obligated to remove any interest accrued on this account.
Consumer complaint received 2019-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MO)

XX/XX/2019 XXXX XXXX XXXX  i attempted to call sears home improvement services 10 times in regards to my account due balance rising from XXXX to 7,000 something dollars within a one month span. 

Sears home improvement services contined to hang up on me after retrieving all of my personal information. 

Our contract was for my windows to be replaced at the cost of XXXX. I was untable to make contact with any sears employee willing to help me find out why the amount was so high. 

XX/XX/2019 i was charged a fraudelent amount of XXXX in Which was never agreed upon.
Consumer complaint received 2024-02-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

On or about XX/XX/XXXX. I took out a high-interest loan with One Main Financial. One Main Financial represented to me that this was a simple interest loan that I could pay off whenever I desired. I approached OMF several times in XXXX, XXXX, and XXXX to pay off the loan and was told I had to make all payments. Finally, they confessed it was not a simple interest loan but a Daily Simple interest loan where I would be forced to pay the entire loan interest, principal balance, and ungodly interest amount for the full duration of the loan. This was a fraud and they knew it was Fraud, I asked them over and over if I could pay off the loan during the intake and before the closing every time they said yes. 

Now they are reporting me delinquent when I told them back in the fall I was disputing the entire balance of the loan, plus they have added XXXX XXXX XXXX to the loan. The result they have ruined my once-perfect credit. This company is known for misrepresentation lying and being deceitful. Every time I would call them about a payoff they would try to get me to take on additional credit and debit and threatened to report me to the bureau.
Consumer complaint received 2022-11-18
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX  Balance - XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} XXXX XXXX XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  Inquired XXXX XX/XX/2022 ; XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XX/XX/2021 all trading was disabled on my account and I wrote to Coinbase support and verified my account. 

On XX/XX/2021 I received an automated response from Coinbase support saying that their Support team was working hard to answer customer inquiries and to visit their Help Center for more information ( Case # XXXX XXXX. 

On XX/XX/2021 I received an email from Coinbase Support saying they had transferred my case to a specialist who would be able to further help with this issue, and that replying back to this email was the best way for an update ( ref : XXXX : ref ) On XX/XX/2021 I replied to the email asking for an update and have never received a response to date.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

This is the second complaint Im making about Wells Fargo after I made the first complaint they sent my mortgage to be serviced by another company called XXXX XXXX so all that remained at Wells Fargo was an ELOC, equity line of credit it wasnt a second mortgage it was an ELOC, a year later they are misrepresenting my payments if I pay a XXXX over them they save it for the next payment and say Im not having enough money to make the payment there by it shows on my credit report is being late now theyre ruining my credit yet again then without my knowledge they turn the equity line of credit into a second mortgage thereby making me purchase hazard insurance and I just gave them the premium XXXX/XXXX  dollars just because I didnt want my credit ruined anymore but this is the big thing they never notified me how can they do you do that I want like over {$300.00} back because its not a second mortgage and that its an equity line of credit they should be shut down theyre crooks they should be shut down I want my XXXX something dollars back because its not a second mortgage its an equity line of credit and I want my $ XXXXback for the premium for hazard insurance because its an equity line of credit it is not a second mortgage and I want Wells Fargo to be penalized they should be shut down they're such criminals I want Wells Fargo to fix my credit report because I wasnt late on anything they just chose to look at a little bit of an overpayment and say its a short payment when it wasnt I want my credit report fixed from those crooks and I want my over {$330.00} premium back because its an equity line of credit not a second mortgage Wells Fargo should be penalized Wells Fargo should be shut down they are such criminals
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC (TX)

Vervent/XXXX  is reporting twice on my credit report. This company is reporting inaccurate information. The balance is incorrect, the Date of Last Activity reports different dates with all bureaus. XXXX XXXX XXXX XXXXXX/XX/2020. This account is also XXXXXXXX XXXX XXXX XXXX which is also reporting a different date of last activity XX/XX/2020.
Consumer complaint received 2023-01-30
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. (NJ)

I have XXXX Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

A lot consumers depend on face to face transactions with their local bank. Unfortunately, some of us have limited time to perform these banking transactions given family and work responsibilities. The Bank of America at XXXX XXXX XXXX in XXXX, NC makes it extremely difficult for customers to deposit or withdraw funds with a teller. This bank branch is significantly under-staffed with just one teller. As a result, customers either i ) waste time in one of two drive through lanes that are no longer open or ii ) wait in line for a single teller inside the bank. This is extremely frustrating for customers that only have an hour for lunch or limited time on Saturday mornings to make transactions. The manager at this local branch ( XXXX XXXX ) was extremely condescending when I brought these concerns to his attention. He had no empathy for my concerns. He made no attempt to apologize for the poor customer service. He attempted to embarrass me by refusing to process my transaction. I was asked to leave this bank branch. This is not acceptable and could have been avoided if Bank of America had adequate staffing for this bank branch. It seems like these banking institutions are constantly asking for more sacrifices from customers in an effort to increase profits. Arrogant and incompetent employees like XXXX XXXX ( XXXX ) XXXX should be more sensitive to customer concerns. The inadequate staffing essentially nullifies access to important banking services. The time waiting for a teller at Bank of America makes customers feel like they are in line for XXXX XXXX tickets. Unfortunately, there is no 'satisfaction ' consistently spending 40 minutes waiting in line to conduct a simple transaction. The bank needs to apologize for being inconsiderate and wasting the time of customers. The bank should value our business and treat customers with respect. Bankrupting America should not be allowed to intimidate customers who raise valid concerns about the company 's hostility towards customer service. Mr. XXXX XXXX is one tree short of a hammock if he thinks consistently having one teller is an adequate staffing level for such a busy location of a national bank.
Consumer complaint received 2017-09-15
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. (AR)

Originally filed a complaint in XXXX. Equifax came back and said it belonged to me. I sent documentation to them showing it was not mine. They wanted me to send it to XXXX XXXX instead of taking it off my report. I sent the documentation to XXXX XXXX but The issue has still not been resolved.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MD)

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 2017-09-15
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: BARCLAYS BANK DELAWARE (AZ)

There was a hard pull on my credit report from a XXXX XXXX on XXXX XXXX, XXXX. There was no reason for this pull, as I have never heard of this bank or any of its affiliates. My credit report is already in the " below average '' category, and I would have no reason to do any business with this organization. Therefore either XXXX pulled the wrong report, or a fraud has occurred. 

Again, to be clear, I did not authorize in any fashion a pull of my credit report by XXXX or any of its associates/affiliates. Please investigate as to why this inquiry was performed and a hard pull was done on my credit. I am trying to improve my credit, and I would have no reason to do business with this organization as it is clearly out of my league at this juncture. 

My personal information is obviously very important to me, and I need this looked into. 

XXXX regards, XXXX XXXX
Consumer complaint received 2019-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (DC)

I switched from XXXX to XXXX  in XX/XX/XXXX. My account with XXXX was an annuity due, meaning that I paid in advance for my service. At the time I made the switch, I was not in default, and they actually owed me money for the days I paid for but did not use. I spoke with a customer service representative at the time who seemed disorganized and was trying to bill me for services I no longer had.

They eventually sold the bad debt to a collections company, Receivables Performance Management , LLC and they have violated the law in trying to defraud me. I sent them a debt validation letter on XX/XX/XXXX, and they ignored my letter, and have reported the fraudulent account to the credit bureaus. I will be happy to provide to your office a copy of the legal letter I sent them, demanding validation.
Consumer complaint received 2019-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NM)

My home was broken into of XX/XX/2002 later I obtained my credit reports would had numerous identity theft accounts on there.I reached out to the credit bureaus to update with a police report to have these removed they would not.I paid some of the debt myself to remove it from my credit bureau I have been going round and round with XXXX XXXX XXXX  it is a credit card. Balanced owed is XXXX. I have fax them a copy of my police report showing identity theft a copy of a FTC report showing I was at identity theft victim have not heard anything. I would like this removed from my credit bureaus all three ASAP thank you very much