davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (CA)

This is not a regular dispute. I am requesting an audit of the reinvestigation of this items on my report. The FCRA mandates you conduct your own investigation when requested by me ( the consumer ). I am requesting you provide me your own independent investigation of this item. I am requesting physical proof otherwise you are violating my rights as a consumer by not deleting this unverified item.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I met a couple ladies at a bar on a trip to XXXX this past weekend on XX/XX/year> and one them went by the name of XXXX  ( Real first name XXXX ) and her friend XXXX XXXX. These two collaborated somehow to scam me out of {$3000.00}. They both had a motif to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX take me back to my hotel and I was not aware of my surroundings in which they used use my phone to do the Zelle  transfer. I had no recollection of this even happening until my wife noticed it when she checked in the morning. I have found out thru my institution XXXX  XXXX XXXX that this was transferred to another XXXX  XXXX XXXX account. I am lost and contacting all outlets to help me from these scammers. I would file a police report but I had to fly back to where I lived in Florida. please help!
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ME)

I had owed money to XXXX XXXX. After a few years of owing then in 2020 I was contacted by a collection company who offered a settlement for XXXX. I dont remember the exact amount but it was XXXX or so. I paid the amount in full. Now I was contacted from another credit collections agency saying I owe XXXX XXXXXXXX the same debt. They are very persistent that owe them more money. The collection company is called Portfolio recovery
Consumer complaint received 2024-03-05
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc. (NC)

I am filing a complaint versus : Beyond Finance XXXX XXXX XXXX XXXX, Texas XXXX XXXX utilized Beyond Finance to settle a debt. In short, the debt balance was circa $ XXXXThe " debt settlement '' was XXXX  {$17000.00}. 

My complaint is in connection with adequate disclosures, or lack thereof. Today, XXXX, I called the Beyond Finance Call Center. From viewing my dashboard, I could see my " Special Purpose Account '' balance, versus what is remaining to be paid to this creditor, was nearing an equal amount. 

I asked when my Special Purpose Account deposits would cease. I was told by the representative that scheduled payments would continue up to and including XXXX. However, the Special Purpose Account balance, after approximately two more monthly payments, would be equal to what the debt settlement amount is equal to. However, I was informed that there is an owed " fee '' of approximately {$5000.00}, which is equal to at least 9-10 more monthly payments of {$530.00}. 

My complaint is due to the fact that the fee, was not disclosed AT THE TIME OF SETTLEMENT. Had I known " the fee '' amounted to such a large percentage of the settlement ( AT THE TIME OF SETTLEMENT ), I would not have proceeded further. As such, I feel that this practice was deceptive, and is itself creating an undo hardship. 

I have made a mistake by taking this route. Furthermore, the Beyond Finance Dashboard indicates that I have " reduced my debt '' by circa {$7000.00}. This is not exactly true, and actually quite deceptive, because it leads one to believe that you have accomplished something, when you really have only reduced the debt by {$2000.00}.

Additionally, had I known that the account balance would balloon as a result of my delinquency, I never would have chosen this " solution. '' It is not a solution. A better choice would have been to pay currently and cease the balance from expanding and ceased the increase at approximately {$21000.00}. This outcome alone seems better to me than accruing a severe credit delinquency.

The disclosure language did indicate something on the order of " results may vary. '' However, I do not easily recall seeing a fee of circa {$5000.00} documented. Also, what does this fee consist of? What is it, exactly? If properly disclosed AT THE TIME OF SETTLMENT, I would not have selected this route. 

Had I been aware of this fee, I would have struggled to work two jobs to pay off debt without hit to my credit report. Furthermore, I should not have placed myself into this debt in the first place. 

The landscape right now in terms of " debt settlement '' is extremely problematic and I would say deceptive. In addition to exorbitantly high living expenses, we must navigate this challenge from the firms that purport to be helping us. 

My indebtedness was the result of a significant health challenge that necessitated a career change.
Consumer complaint received 2022-06-17
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: Byrider Franchising, LLC (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I've been trying to dispute some inaccurate items that's on my report since XX/XX/2022. The items that are still reporting on my credit profile are in direct violation of the FCRA and my issue still haven't been resolved. This on-going situation is causing me an unbearable amount of stress and the credit bureaus are leaving me no choice but to file for litigation. This complaint is also about my most recent letters I sent into the bureaus about verifying the information on XX/XX/2022. I have yet to hear a response 45 days later. Please help me resolve this issue.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I've been trying to dispute some inaccurate items that's on my report since XX/XX/2022. The items that are still reporting on my credit profile are in direct violation of the FCRA and my issue still haven't been resolved. This on-going situation is causing me an unbearable amount of stress and the credit bureaus are leaving me no choice but to file for litigation. This complaint is also about my most recent letters I sent into the bureaus about verifying the information on XX/XX/2022. I have yet to hear a response 45 days later. Please help me resolve this issue.
Consumer complaint received 2024-03-06
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: Neon Newco Corporation (NV)

On Tuesday XX/XX/year> I went to XXXX to purchase a pre paid card to pay my bills and make a purchase at XXXX after Ive purchased the card from Netspend for XXXX dollars I added XXXX dollars on the card when I went to use it, it declined ( very embarrassing ) so I went to netspend.com to create an account when I clicked active card it sent me to the login with no option to register and when i finally found the sign up link and put in my information it said sorry can not create a account, try again later all I want to do is spend the money and I cant even do that netspend needs to be shut down completely
Consumer complaint received 2022-06-17
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. (TN)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

Starting XX/XX/XXXX there has been over 150 transactions that Wells Fargo allowed a company to withdraw funds from my account into an account that I did not create nor did I authorized, I do not have an active account with this merchant.I contacted the merchant first is due to the fact that companies can not allow a transaction to be posted if the information such as the name on the card or bank account do not match the name on the company account that the money is being deposited into. first things first I reached out to this merchant they informed me that there has not been a deposit made into my account since XX/XX/year> and that there is nothing they can do about the transactions that I do see on my bank account. Meaning Wells Fargo was allowing these unauthorized transactions to continue to this merchant! so I proceeded to contact Wells Fargo, I informed them of the situation and then they put me on hold after creating a claim. Once I got to a claims agent, they said that they were gon na look into it and that they're still pending transactions and so they can not start the investigation yet so this is quite frustrating. they did cancel that card and said that they will be shipping me a new card after the damage was done. The upsetting part regarding this, is this isn't the first time that Wells Fargo has allowed such things to occur, six to seven months ago back in XXXX. me and my wife both have an account with Wells Fargo her as a XXXX and me as the XXXX XXXX XXXX it's just quite frustrating since our biweekly are directly deposited to this bank and then saw my bonuses and so the fact that funds are being just withdrawn without even a notification is quite frustrating. I've gotten several text notifications when small other transactions, but yet consistent transaction that has occurred for over now two months was not. Flagged is just frustrating. I was hopping that they would do their due diligence to make sure that no unauthorized transactions especially from accounts that don't match my name, nor phone number or email on it will be processed, the fact that I had to reach out to them after over 150 transactions were already processed is ridiculous.
Consumer complaint received 2024-03-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (KY)

XXXX of 2023 I received a collection for {$5000.00} saying it was from XXXX, I already resolved the issue since I wasnt of age to even open a sprint account they took it off my credit. This company is buying old collections and re opening them to show up as a new collection, this debt is over XXXX XXXX XXXX this is illegal and its been off my credit for years so to put it back on my credit report is fraudulent. This is not my debt, this is scam and goes against the FCRA requirements. If it says it does its ONLY because they reposted it on my credit report
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX ( Original XXXX : 10 XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance {$120.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-07-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of XXXX XXXX cut my XXXX XXXX with the company and asked I return the company charge card to Human Resources. The card was sent to XXXX XXXX per her request. 
In XX/XX/XXXX I received notice from Bank of America for an amount due of {$80.00}. I contacted Bank of America explaining the card was sent to XXXX XXXX at XXXX in XXXX of XXXX and I could not have used the card. Since then Bank of America has contacted me to pay this amount and late charges. I replied back to them explaining what was said after the first notice. 
Yesterday I received a notice dated XX/XX/XXXX from Bank of America attempting to collect a debt.. 
Bank of America continues to pursue me for a charge on a company charge card that was surrendered over a year ago, rather than pursue the company that has the card.
Consumer complaint received 2020-05-20
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. (CA)

XXXX  XXXX XXXX is a collection agency collecting for XXXX University in the amount of {$4100.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.
Consumer complaint received 2022-06-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (FL)

I purchased a vehicle from XXXX who have since changed their name to Bridgecrest. 
My first vehicle from XXXX was paid in full and title was released to me upon final payment. I then purchased a second car from bridgecrest XX/XX/2016. They advised me because of good standings with 1st purchase, I ccould take the second vehicle off lot with no money down. I made payments on time as stated in contract. 

Some time after I began experiencing XXXX issues that caused me to be on a leave of absence from work, but still managed to make on time payments. A few months later My job closed due to president emergency shut down for pandemic. At this time I contacted bridgecrest to try and get some help because not only was I off work, but My child daycare closed also! I advised bridgecrest that I was recieving unemployment, and needed to make some type of arrangement so I would not lose my vehicle after going through this traggic situation. thats when they advised me that my vehicle was already charged off and could be picked up at any time. me panicing after I had paid so much into the loan, crying and scrambling for answers. I asked to speak with supervisor, thats when she stated that if i can come up with a couple thousand dollars, they would reinstate with no grace period, due every XXXX of month and if not paid by XXXX on that day the vehicle will be repossed. Going through this financial hardship, trying to care for kids and facing eviction i took all i had to make it possible for me to keep vehicle so i can Maintain employment. the company advised me i will not be directly apart of bridgecrest to look at my account or make arrangements, only to pay. This hurt me so bad, because A company that I have been with so many years, and did business with would just kick me out going through the worst time of my life! following the shut down I was pressed to find new employment, and I did. Thats when i called to see if the company would do something to help change my due date, as the plan would go with My old employer. The staff was very nasty toward me saying, im on strict plan and it can not be changed, if I dont make the payment as stated they will come and reposses my vehicle. It is so unfair to treat a human this way. Im just a single Mother who is trying her best to survive, with all the health issues I have they are contributing tremendously. The car price started off at XXXX i now have XXXX left on this loan. I have paid for this car over 3 times! Im asking that this be taking off charge off status or just cease loan and release title, but at this point repossesion is not an option. I have put to much money and time and it would be a disgrace for bridgecrest to try and take my vehicle away. PLEASE PLEASE HELP!!.
Consumer complaint received 2022-06-17
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: Midstate Collection Solutions, Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (TX)

I noticed late payments on my XXXX credit report from Affirm in XXXX XXXX.IThen found out that my girlfriend without my permission open up a loan with Affirm in my name in XXXX of XXXX  for a XXXX purchase she used my credit card information.I contacted XXXX And Affirm about this matter to no avail.I also have proof that the purchase in question is not in my XXXX history its in her XXXX history also have proof she was making payments to affirm from her own banking account XXXX XXXX XXXX15 USC 1681e_Compliance Procedures ( a ) IDENTITY AND PURPOSES OF CREDIT USERS Every Consumer Reporting agency shall make a reasonable effort to verify the identity of a new prospective user prior to furnishing a credit report. 15 USC 1681e Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to asuure maximum posiible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

XXXX XXXX XXXX Lakeview Loan Servicing received my call after my mortgage monthly payment went from {$2700.00} to {$3900.00} after their escrow analysis based on incorrect property tax appraisals. I asked them to review the values, or at least postpone the increase until we can fix everything. They hung up. I called back many times, including today XX/XX/24. I called, used their XXXX and tried every number I could find. I could never get a representative on the phone at all. The XXXX were incapable of answering my questions. There needs to be a SKIP THE XXXX button on all financial websites. The phone answering XXXX couldn't help and refused to transfer me to a human. The internet chat XXXX also refused to send me to a human, and gave me a number to the wrong mortgage company, XXXX XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I have been disputing this debt with Credit Acceptance for years. The negative item is reporting on my credit report ( s ) impacting my credit. Credit Acceptance sent me an agreement with look like computer generated initials and a signature, which is not my actual signature and is a violation.
Consumer complaint received 2022-06-17
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. (AR)

XXXX accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX.account # XXXX and account # XXXX, XXXX XXXX XXXX account # XXXX and account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

i disputed inaccurate items on my report and it has been well ove 30 days with no acknowledgement or results this now means these items are inaccurate and unverifiable and need to be deleed right away