davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

Received an alert on my Experian credit file stating that XXXX. reinstated a collection Account ( XXXX ) That was previously removed. Alerted on XX/XX/2017 of this new account and then again on XX/XX/2017. I never received the 5 day notice required by law that the account in question was legally validated. I have no contract with this company.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Purchased BEST BUY CREDIT CARD XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I purchase {$14000.00} of entertainment equipment from Best Buy XXXX XX/XX/XXXX using my new Best Buy credit card ( Citibank ) XXXX At the time, the salesperson indicated that there would be deferred interest for 36 months. Best Buy puts a small digital screen in front of you with pages after pages of legal languages you must sign to get through the transaction. First off, the font is so small a reasonable person couldn't read it. Second, I am not an attorney. It is meant to confuse the average consumer. I set my bill pay to pay it off early with a $ XXXX payment. 

Just yesterday, I was helping my father with a purchase at Best Buy. I asked if they offered a XXXX or XXXX deferred payment option. The salesperson indicated that only XXXX were available. I thought to check the status of my Best Buy credit card. 

I was shocked to find that it had been set up with only 24 months of deferred interest. As of XX/XX/XXXX, I only owed {$2200.00} -- given my payment schedule, I would have paid it in full in roughly 5 months. The following month, {$6100.00} was added in interest bringing the total amount owed to {$7900.00}. This results from an absorbent credit card interest rate of 25.24 %. This is way out of alignment with my risk profile, as my XXXX score at the time was XXXX. 

I believe that the Best Buy credit card has defrauded in XXXX ways : putting a contract in front of me that was not reasonably visible, within the credit card monthly statement burrying a notice on the second page in a small font to notify me of the looming lump of interest, and charging a usurious interest rate that does not match my credit risk. 

I contacted the Best Buy credit card today to seek a resolution. They indicated that it was an issue with the salesperson at Best Buy and I should seek a remedy with the store. The Best Buy credit card as a matter of goodwill credited my roughly a {$100.00} to the account.
Consumer complaint received 2021-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collection company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they wrote me before. .If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX.I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an Fdcpa lawyer.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Wilber and Associates, P.C. (CA)

I have received a letter on XX/XX/XXXX from Wilber and Associates, P.C regarding a claim dated XX/XX/XXXX. This claim was settled and paid in full in XX/XX/XXXX. 

First payment was made on XX/XX/XXXX in the amount of {$2700.00} Last payment was made on XX/XX/XXXX in the amount of XXXX I called the company and ask them why were they sending to letters to my son and my husband for the same claim. I ask the manager to please stop sending me letters since the debt was paid in full last year. 

The manager said I still owes the money and i will continue to receive letters until i pay the rest of the money. 

This is fraud, since we had settled, i don't understand why after a year they are asking for more money
Consumer complaint received 2016-01-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (KY)

As you can tell from the picture i have enclosed this is an old loan. I bought the vehicle in XX/XX/XXXX, and the loan has continually been on there ever since. The vehicle is long gone. every time i call to dispute this from experian they change the date on it. I have asked them to remove it in XX/XX/XXXX but now it say XX/XX/XXXX? what gives this company the right to keep the original loan from XX/XX/XXXX -XXXX on my report for that long? that is not in compliance with the FCRA is it? 
Date Opened : XX/XX/XXXX & lt ; -- -? 
Date of Status : XX/XX/XXXX & lt ; -- -? 
Reported Since : XX/XX/XXXX Last Reported Date : XX/XX/XXXX Type : Auto Loan Terms : 60 Months thank you for your help in removing this from experian, none of the other credit reporting sites have this on there and have n't XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

I have supplied the credit agencies several times the appropriate forms to delete XXXX XXXX XXXX from my credit report. I supplied the final disposition of the legal case which states the account should be deleted. Experian responded stating that the agency was unable to remove the account based on the legal disposition. Instead they placed Paid, Closed Charge Off
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Neon Newco Corporation (VA)

I filed my taxes with liberty tax in XXXX XXXX Virginia on XX/XX/XXXX. 
I activated my card but when my money was sent to the card Netspend had a block on my account, claiming I was ineligible for a Netspend Card. Nobody could tell me why or how I could receive my money. Finally a woman told me when my account closes on XX/XX/XXXX Netspend was mailing me a check for my refund amount. Its XX/XX/XXXX & They cant account for my money nor do they know where it is. XXXX XXXX has called them & they gave her the run around also. I have XXXX Children, we were struggling & have been since XXXX. My XXXX XXXX old son passed away, because we were struggling so terrible we couldnt even pay for a funeral. He had to be cremated, which my mother paid for. The point is Ive been begging these people for months on end, even not so nicely I feel like Im never going to see my refund, that well struggle getting back into a home forever. 
My name is XXXX XXXX, my social is XXXX My XXXX is XX/XX/XXXX The address Netspend has on file is XXXX XXXX XXXX XXXX , XXXX XXXX VA ; which they wouldnt let me change when I tried to because Im not eligible for an account my new address is XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX has permissions to send you all of the information I need. Copies, when I filed, the amount owed. Im not even sure what you guys do but I need help. 
XXXX XXXX phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (TX)

I have serious questions of the ethical behaviour of Experian in relation to what credit score they report they report on an individual dependant upon whether the individual requesting the credit report is paying for the " premium XXXX agency report '' or whether they choose to use a " free service provided through their bank or other financial institution [ XXXX in this case ] '' where they entice you to enroll in the other XXXX agency " premium '' credit report and " protection ''. I am going to provide XXXX separate Experian Credit reports that were pulled within minutes of each other, both purporting to show my credit score, however instead of matching as XXXX would expect them to, the paid Experian XXXX Agency Report that was signed up for through XXXX XXXX XXXX, shows my score to be XXXX yet when the free credit score monitoring service provided by Experian for XXXX is pulled within minutes and the credit report shows no material differences it reports that my credit score is XXXX ; a full XXXX points lower than when one pays for the report. Something fishy is going on at Experian and I feel like I have been duped as I have no idea what my true credit score is in my credit file and I have been paying monthly for a report that I now consider less than worthless. This fraud should not be able to be perpetrated on the public just trying to correct errors on their credit files.
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I have tried numerous times to close my account. Paypal will not close it and keeps tying me that they are working on it with their programmers. I want my credit card information deleted, bank information and all personal information deleted from the system and account closed
Consumer complaint received 2022-09-09
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: The Savings Group, Inc. (OR)

Hi, I am not aware of any such inquiry or provided content to anyone to pull my report. Not sure why it has been added in my credit history. I want this to be remove and add my account to freeze so that no else can pull it again until freeze is released. 

This seems like a fraud issue where my DETAILS are compromised and resulted in pulling my credit. 

Thanks, XXXX
Consumer complaint received 2021-10-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

They have been breaching of my information tampering with my funds going in and of my account as well as tampering with my personal things and subliminal messages to me thru mail and staff members they proceeded with an investigation on who was altering and messing with my data
Consumer complaint received 2022-10-02
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. (GA)

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Consumer complaint received 2022-10-28
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)

The inquiry listed in my report is unauthorized .I requested that they investigate this and analyze my files by sending letters to all Equifax credit bureau XXXX The reality that this inquiry continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the XXXX XXXXXX/XX/2022 inquiry.
Consumer complaint received 2022-09-09
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: KEYCORP (NY)

First call was on XX/XX/XXXX to Key Bank via chat, I called to report that a charge was made to my checking account that I did not make - account was cancelled 2 years ago for {$72.00} to XXXX. Key bank employee said that she would take care of, Also, the rewards credit that I have charges are not going through, Again, employee said that she would take care of it. 

Checking charges and found that I was charged for the {$72.00} - employee did not take care of and rewards credit card charges are not going through, Bills are paid from this and bills are not being pain because this account has a block Called again on XX/XX/XXXX and asked why the employee did not fix the above problem. She said there was a convenient " block '' so there did not fix and nothing was done - payment was made incorrectly to XXXX and rewards charge card not fixed, Again, my called got block so nothing was done. 

Why is this happening? Key Bank is paying invalid bills and blocking bills that I authorize. Please note the majority of the time when I deal with Key Bank they are very helpful and pleasant. Last 2 chats ( XX/XX/XXXX and XX/XX/XXXX ) the employees are the opposite, they are lazy and deceitful.
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (SD)

I got sick and could not work for 6 months. Wells Fargo would not work with me. They had XXXX their " Home Preservationist Specialists '' work with me. In the meantime, I was back to work and paying them XXXX $ payment, which is XXXX more a month than my payments were. Also paid them every 2 weeks. So, XXXX $ a month.They sent my checks/payments back into my account. I was told all kind of rhetoric by Wells Fargo. They wanted full payment of XXXX XXXX They were not satisfied with XXXX every 2 weeks. What was I supposed to live on if I sent them payment in full? They did n't care. Then they repossessed my house. Now, they are going to kick me out, along with my son. This company is so unfair. Even when I was able to make my payments on time, I paid them extra every month so I would be able to pay the loan out faster. They did n't care about that either.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

I have an online savings account with Citibank. I don't do much with the account but yesterday I wanted to access it. 

XX/XX/22 I went to sign in, and it wanted to text me a code, except they have a phone number no longer in service. I opted for a phone call, and the rep wanted my ATM pin to help verify the account ( I'd already provided SSI number ). I do not have a credit/debit card for that account, it was opened only for the purpose of a savings account. 

The person I spoke to at Citibank indicated the account had been locked, although he did not know why. He tried to get me signed on but I got a message the site at difficulties. He offered to start all over again, but I'd already been on the phone for an hour and had to attend other things and told him I would try the next day. He said he changed my phone number, so I assumed I would be able to sign in by getting a code the next day. 

XX/XX/22 I called, and very long story short, my account can not be accessed due to some glitch on their end-nor can they tell me why my account has been locked. They did say my phone number had been changed, but that does not reflect when I go to try and sign in. I asked when that would be resolved and was only told the developers were aware of it. I received no information as to why my account had been locked, or why I could not access my money. I asked if I would be notified when it was fixed and was only told again, the developers are working on it. So no clue as to when I could access my money. 

I consider this a major problem. If I had an emergency and needed access to the money immediately, I would be out of luck.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

My identity was lost or stolen on a date unknown to me. I recently checked my credit report and found an account open that I did not open, authorize or consent to it being opened. I then filed a report with the FTC and other law enforcement agencies. I sent the information with all requirements to Experian via USPS certified mail. Experian refuses to delete the fraudulent account. I sent the company what I was given by law enforcement. In our region the officers do n't give you a physical report. Only a report number and a cover sheet which was submitted. The other agencies were filled on line in which that information was submitted also. The following account is not my account and I demand that it be removed from my credit profile ; XXXX XXXX # XXXX not my account please remove this fraudulent information from my credit file.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CO)

I used the website www.experian.com to pull credit reports from my mom and my dad. I thought when I was just pulling a credit report and then find out that it is a membership for credit monitoring. I tried to cancel the membership with the company and they refused to cancel. I tried to get a number for the billing department and they refused to give me the number to call billing. The only number they would provide is a number for their membership services. Their website is also misleading because the company does not disclose that they are not the credit reporting agency experian. This company should disclose on the first page of their website that they are a for profit business and that they are not the credit reporting agency. Experian.com should be required to disclose that they are not the credit reporting. When I talked to XXXX XXXX # XXXX she verified that the company would not disclose the phone number for their billing department. The only phone number provided to me from XXXX was the number to their membership department.
Consumer complaint received 2022-09-09
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: SYNCHRONY FINANCIAL (AZ)

on XX/XX/2022 I visited Sams Club on XXXX XXXX in XXXX Arizona, I used the self check out around XXXXXXXX XXXX. I lifted the hand scanner and scanned my membership card. A Sams Club female XXXX middle aged woman approached me. The Sams Club employee pointed at the self check screen and said : " Wow, look. You have been pre- APPROVED for a Sams Card! '' I said, excuse me? She said you see that- she pointed to the screen again, she said : " I don't see that too often. You are pre approved and can get up to 30 % off todays purchase! '' I mentioned I did not want anything like an inquiry on my credit report ( I am rebuilding my credit ) The Sams Club employee told me : " Oh no, this is already done. She started to push locations on the screen and told me Go ahead and fill this in so we can get it finalized. This is the part I look away for privacy '' She turned her head and put her hand above her eyes. I was excited, I finally did it, I am getting a card- I thought. once I hit the submit button, it states " Sams Club will be sending you a letter in the mail within 7- 10 business days '' the employee said, " Ahhhh, yeah, it does that sometimes! '' and started to walk away. I said, I didn't want to apply and have an inquiry- but she kept walking. I stood looking in disbelief. Sure enough, I receive a declined letter for credit with Sams Club and another from Synchrony Bank. My credit score decreased 23 points for the inquiry!!! I did email a message the way Sams Club asks you to on their website, only a minimum amount of letters allowed to type. I have uploaded their response which they state this has been resolved and for me to contact Synchrony Bank. I have responded Their EMPLOYEE lied to me, and misguided me, they can check their surveillance camera for that day!! I asked if they offer incentives to employees for having customers apply for credit??? Because if so, I am sure this employee has tricked others just to benefit herself. The EMPLOYEE needs to be reprimanded and I would like an apology letter so I can dispute the inquiry on my credit reports.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (AZ)

First off this is a CARES ACT violation -- I will be filing complaints with US GOVT who administers that -- ( treasury department ). I started with XXXX in XXXX. 30 years of payments later- they CLAIM I still owed XXXX. XXXX what I started with. 

THEN -- -when they told me the loan payments were paid -- -all payments made- in XXXX XXXX XX/XX/XXXX they reported me late. First off- they gave me a concession -- forbearance-. it was current- therefore its illegal for them to report it late. 

They are in violation of the CARES act and I want these late payments removed immediately.