davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

I had an account with American Express cards since XXXX of last year. Then i had some purchases that i tried to dispute with the company as I do not recognize as mine. I spent months trying to receive dispute and asked proof of purchase from charges I did not recognize as mine, but never got the requested info so especially after the Pandemic and all the financial hardship I have been facing i decided to stop paying for something i do not recognize as mine. Instead of sending me the requested proof of purchase they simple referred my account for a debt collection agency which started to bother me even during weekends, early morning and late afternoon with no respect for my privacy and regular hours and reasonable ways of communication.
Consumer complaint received 2024-02-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc. (CT)

I accrued points in a workplace program over the course of XXXX years. I cashed them in on XX/XX/23. I was sent a digital visa worth {$470.00} ( no physical card ) from Prepaid Digital Solutions. I used it once but then had trouble getting it to work. I later learned your purchase needs to be less than the total on the card so that was likely why every time I thought to use it it wouldn't work. To use the card, I would have to find the screenshot on my desktop of the card number and manually input all the digits and since I couldn't use in stores ( no physical card ), I forgot about it but it was always in the back of my mind that I had this little nest egg. Finally, remember to use it and see that the expiration is XX/XX/23. I didn't even have a full year to use the card. When I reached out to the company I was told unused funds were forfeited when the card expires. This seems extremely unfair. I was unaware that my state 's law that bans gift cards from expiring for a minimum of 5 years does not apply to these cards. I tried to escalate my request on the third try and was told that my request would be reviewed. I know that the company can still access my statement and info so it is their choice not to reissue my funds. The rep on the phone said I should hear back in XXXX business days. Within an hour, I got this response : Per the terms and conditions, upon expiration of this prepaid card, any unused funds are forfeited. This is predatory behavior.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Helvey & Associates, Inc., Warsaw, IN Branch (PA)

This company is in constant contact with me harassing me requesting payment on a debt that was the direct result of identity theft. I already filed a FTC report and sent it in to XXXX and the first debt collector. Now I have another debt collector four months later which is HELVEY and associates harassing me on behalf of XXXX when the FCRA clearly states once a identity theft is claimed the predator may not sell, transfer, or have someone collect on a that alleged debt. I have not opened nor did I authorize this account to b open. This company is threatening to please a derogatory account on my credit report that I did not authorize door open which is a violation.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

I manage my money very carefully because I am on a small budget and I made purchases in a certain order so that I would be able to afford what I needed until my direct deposit went through. I made several small purchases ( ranging from $ XXXX {$25.00} ) and then the next day one large grocery purchase which I knew would overdraft my account but I was willing to pay an overdraft fee in order to get groceries. The small purchases were already showing being taken out of my account at this point via the app. Two days before my direct deposit was to go through Citizens Bank rearranged the order of the purchase so that the {$100.00} purchase was taken out first ( although it was made last ) which took all of the money from the account and then caused all of the smaller purchases to incur overdraft fees which equaled to over {$400.00} at that point my account was negative that amount. They then allowed a few more small reoccurring charges to go through to my account which then also incurred overdraft fees but then those charges were reversed and I had to pay them a different way but they are still showing on my citizens account and the overdraft charges still occurred. At this point my bank account is negative by over {$1000.00} all of that being overdraft fees or fake charges that I have already paid through a different method. I have since shut off my direct deposit as I can not pay that and feel Citizens Bank should reverse these charges because this is predatory behavior which they have been sued for in the past.
Consumer complaint received 2020-06-25
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2024-02-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

Genesis credit has a account opened with XXXX XXXX for the amount of {$7600.00} which got report XX/XX/year>, I was never sent a contract of this debt and I was never acknowledged it just popped up on my credit report, I reached out to get information on their fraud dispute department and sent information and sent supporting documents XXXX, they have not confirmed the documents or moved forward with the information and my credit file is locked due to identity fraud already, I have dealt with this creditor before with another account I paid for with a different merchant and always was sent a contract but this time no contract was sent, I never opened an account here and these charges are outrageous, they have been extremely rude and are refusing to remove off of my credit report
Consumer complaint received 2024-02-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Data and Contact Management Solutions, LLC (OK)

First of all IM NOT DEAD OR DECEASED!. I have no income, I live on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no ID, I havent lived at XXXX in years so stop harassing the new tenents living there. Yes i got a XXXX XXXX XXXX phone from XXXX. They said I never had to pay a bill because I was on the ACP program. So I dont know what to tell you DCM services, I dont have a phone and im constantly moving from place to place XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Daily calls from often times spoofed numbers that hide the identity of the debt collection agency Portfolio recovery. I have repeatedly requested for them to quit calling me using there auto dialers and spoofed numbers. The account in question " collections '' has been removed from my credit and has been written off by the credit card company. Both their contact practices and continued harassment needs to stop or they need to be held accountable for there failure to follow the TCPA guidelines. Last contact date was XX/XX/2024 from a spoofed number that did not identify them as Portfolio Recovery.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (KY)

XXXX XXXX XXXX XXXX was purchased XX/XX/XXXX XXXX vehicle had broken down within 40 minutes after the purchase and I called and told him I wanted my money back.he told me that I was not entitled to get my money back.the vehicle started overheating and it completely broke down and would not start up 2 weeks and some days later.the vehicle should not have been for sale and it was in default because of its conditions.the car lot came and picked up the vehicle and now they are saying that I failed to make payments and they stated on my credit report that it was repossessed.the vehicle had a bad motor and the car lot sold it to me anyway.tjey stole my money and I want this removed from my credit report
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (UT)

XXXX XXXX is reporting these erroneous lates on my credit file. I traded in my vehicle and I was told that the remaining trade in balance would be paid the XXXX! This is why I went ahead with the trade. Now I'm seeing lates on my credit file after the trade in. I should NOT have any lates on XXXX OR XX/XX/2020. This lates are erroneous and I demand them to be removed. This is affecting my credit on someone else 's mistake!
Consumer complaint received 2024-02-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

I am writing in regards to a denial, I believe was a mistake. When I signed application for services I became an investor into your corporation where you then transferred my note/security/receivable into synchrony card funding LLC, immediately after transferred to synchrony card issuance trust, thus gaining interest once transferred into the primary market until maturity. The principal amount is owed to me and should be deposited into my TDA where it then becomes a Savings Bonds. I've thoroughly reviewed your terms and conditions AGAIN after receiving denial letter and there is no evidence or full disclosure backing your reasons for denial. What I found more interesting is on the denial letter it states ''the credit score may differ from the score you obtain from a consuming reporting agency '', so how was a decision made based off an inaccurate credit score? In accordance to your Indenture Trustee Agreement Section 2.06 ( Exchange and Registration of Transfer of Securities. Securities of any series may be exchanged for a like aggregate principal amount of Securities of the same series of other authorized denominations ). Denial letter attached is proof of securities fraud and you are not performing or upholding your duties as agreed upon. I am requesting that my no preset limit XXXX XXXX XXXX be mailed to address registered, I will then use my interest coupon dividends each month to satisfy payment on account. FAILURE TO COMPLY I WILL BE FORCED TO REPORT YOUR WRONGFUL USE OF SECURITIES TO THE IRS AND ALL OTHER APPROPRIATE OFFICIALS. I have uploaded denial letter and terms and conditions, so that maybe I can receive a clearer understanding of how and where the reasons for denial came into play.
Consumer complaint received 2024-02-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

In late XXXX XXXX I purchased a computer from Dell and chose to take advantage of their 6 months no interest financing. Received the computer ( its great ). I have taken advantage of these types of offers numerous times and never had a single issue. However, this time was different. Not long after I purchased, I received a notice that Dell Financial had sold my account to Comenity Bank. I had not heard of this bank before and had no reason to question. A couple of weeks later I received my first bill. Since I was planning to pay it off before the 6 months anyway, I went ahead and processed my first payment through my banks bill pay function using the information provided on the billing statement. The payment cleared and was posted to my account. So I proccessed a second payment two weeks later and a third payment two weeks after that. The payments cleared my bank and also the bill processing company said they had cleared on their end as well. However, the payments were not being applied to my account by Comenity after the first one. I received a stay 2 weeks ago showing late fees. I called, and they told me I needed to contact my bank, which I did. I recieved confirmation numbers that the payments had cleared. So I contacted comenity again to see where these payments were. Meanwhile the most recent payment I processed was posted to my account but the payment submitted prior still has not been applied. I explained this and was told they would place a dispute on the missing payment and that it would take 30-60 days, which would put me over my interest free period. I began researching this bank and found numerous lawsuits against them and many reviews of others having the same experience. They were not friendly, understanding nor particularly helpful. I am afraid this will have a negative impact on my credit score.
Consumer complaint received 2022-12-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IN)

Rushmore Loan Management transfered my mortgage on XX/XX/XXXX to " XXXX XXXX ''. Rushmore Loan Management was advised of an insurance claim on XX/XX/20. They transfered the mortgage in the middle of the repair process and has caused significant delays in the repair process. XXXX XXXX is requiring we send in all documentation that was already sent to Rushmore Loans in order to start sending payment for repairs. They estimate it will cause a delay of up to 30 days. It should be illegal to transfer a loan in the middle of an insurance claim.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have previously submitted a complaint on this account last month. Company agreed to remove previously incorrectly charged interest fees but now they've done it again after agreeing not to charge interest. 

XX/XX/XXXX - {$27.00} I attempted to contact them via phone but they refused to correct their obvious error.
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC (CA)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention an issue with my mortgagee that has resulted in an incorrect mark on my credit report. Recently, I noticed a discrepancy in my credit report indicating a late payment on my mortgage account. 

Upon further investigation, I discovered that the late fee was associated with an escrow shortage that occurred after I paid my mortgage. Unfortunately, when I called customer service they could not explain what the charge was and said that my account was current. When the subsequent late charges and the increase in {$75.00} appeared in XX/XX/XXXX I believed it was the same error ; as there was no confirmation on my statement that my mortgage payment had increased due to an adjustment in escrow and I did not receive a notice about the escrow shortage. To my dismay a similar increase occurred in XX/XX/XXXX. However, this time I received a written notice well before the XXXX payment increase was billed. 

Had I been made aware that my XXXX mortgage payment increased before the XXXX charges, I would have promptly paid the correct amount. I understand the importance of timely a nd accurate payments, and I want to ensure that my credit report reflects my commitment to meeting all financial obligations. 

After reaching out to ServiceMac , LLC unsuccessfully, I kindly request your assistance in rectifying this matter and help advocating for the removal of the late payment mark from my credit report since they held my payment in suspense and I was not notified before the charges that there was an escrow shortage. I immediately settled {$75.00} when I discovered the issue, and I want to maintain the positive credit standing I have worked hard to achieve. 

I appreciate any assistance you can provide and your understanding of the confusion that occurred during the transfer of my mortgage to XXXX and subsequent charges that werent explained to me. 

Thank you for your time. I look forward to a prompt resolution to ensure the accuracy of my credit report.
Consumer complaint received 2020-06-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Conn's, Inc. (TX)

I never received an item that was discussed in the Conn 's Store in XXXX XXXX, TX XXXX. It was not delivered. When I received a contract, via email, my ELECTRONIC Signature, was used in areas of that contract that I had not agreed to nor purchased. It was a fraudulent contract. I notified the corporate office, and nothing was done. I started receiving harassing phone calls and emails asking me for money. I then filed a criminal complaint for Fraud on XXXX, against Conns, with the XXXX XXXX Police Department ( XXXX ). ( XXXX ) XXXX XXXX XXXX took this criminal complaint. The XXXX Report # ( XXXX ). On the fraudulent contract appeared a bed, which was never delivered, and the damaged coffee table and 2 end tables that were returned due to Conns. In other words, I have no furniture from the Conns store in my possession. Now, Conns has reported me as delinquent on my credit report and it is now affecting my ability to obtain credit from my financial institution. I have attached documents that show what Conns did in the electronic signature areas. Please help.
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (OK)

When i called sunrise collections in XXXX XXXX  they ask me for my information, I gave them my name address and phone number. I told them the account with XXXX XXXX XXXX XXXX XXXX was not mine. They told me i need to file a dispute and they sent me a form to fill out with all my information. I did not trust them with my information, so I filed a dispute with XXXX and XXXX removed the sunrise post from my credit post. On XXXX XX/XX/2024 the Sunrise collections came back on my credit report so i refiled a dispute with XXXX.
Consumer complaint received 2024-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (AL)

Date opened XX/XX/2023 Amount owed : {$600.00}. I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX.I do not have a contact with Lockhart, Morris, and Montgomery
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (AL)

My student loans should be removed off my credit report STAT! Student loans on my credit are a violation of " FERPA 1974 '' per 20 U.S.C. 1232g ( b ).
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (PA)

I believe I know XXXX XXXX XXXX, better than he knows himself. Him and him female friend XXXX XXXX, is believed to be involved in credit card theft and identity theft. It was reported to the XXXX XXXX XXXX police department, XX/XX/XXXX. 
It was not documented, prior due to either police negligence and or corruption, at the XXXX XXXX department. 

Things that follow that man, over the last 15 years, no matter the residence, no matter the year, the things that follow him are credit card statements and new credit cards in different people 's names. Other incidents are him receiving bulk boxes of merchandise, in other people 's names. He received bedding, picturesXXXX XXXX XXXX XXXX, and more, I was home with a medical leave, and he got mad, because there was a brand-new credit card in the mail, and I got it and held onto it, to return to the post office. It went missing yesterday, after getting a XXXX, and the courthouse told me and my daughter not to go home, until the papers are served. I went through all the paperwork for court of, 15 years and continuing of DV and harassment through multiple parties. 
He also told me, that XXXX XXXX worked at the XXXX office, she was my case worker back in XXXX. He told me, she gave him, my information. I have had this happen to me several times, back in XXXX - XXXX. I had missing mail, as well as missing new credit cards go missing after he returned in my life in XXXX. I had stolen debit card numbers, several times, and hacked accounts.