davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (TX)

I received a loan from American Honda Financial Services on XX/XX/XXXX while fleeing XXXX XXXX situation that resulted in my termination from a job. XXXX in finance at XXXX XXXX seemed to have information about me when making the loan. 
This year, just before the winter storm hit in XX/XX/XXXX, XXXX XXXX failed to acknowledge that my repair was covered under warranty and attended to get me to trade in my car or finance the repair. I refused these predatory efforts on XX/XX/XXXX and was stranded in my disabled vehicle until XX/XX/XXXX throughout the winter storm and in the face of people wishing me dead. XXXX XXXX informed me of the warranty and made the repair in XX/XX/XXXX. 
I remain impoverished with no money or gas, living in my car in Texas heat exceeding XXXX at times.
Consumer complaint received 2021-06-30
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: MoneyLion Inc. (CO)

I have two moneylion credit plus loans and I have been fighting them with my credit reporting. The first loan I tried to switch my payment method through the app and it never went through for months which I put in trouble tickets after trouble tickets and it took months for them to fix it. I talked to representatives and emailed back and forth because they kept marking me delinquent on my credit report. I even was told which I have the emails saying they would fix my report and they never did I even on a complaint which they offer about your credit reporting and showed them the emails stating that they agreed to fix my credit reporting and sent them a screen shot of how it was being reported one states a paid collection and the other states 60 days late and they responded back say it is being reported actually as paid and closed which I showed they proof that it was not the case. The second loan I had with them I told them my bank account was hacked and my payments were on auto payments which in XXXX was kicked back because my bank closed my account. I even provided them a letter from my bank explaining the situation and they said they dont do goodwill adjustments. Plus it wasnt reported delinquent until XXXX but it all happen in XXXX. I paid off my loan in XXXX and in XXXX is was reporting that I was current.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services (GA)

This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by __LENDMARK immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

I sent money to someone on cash app it took the money from my cash app went to send it but put the money on hold and had it pending for 5 days couldnt talk to anyone until Monday morning they said they would cancel the funds and put them back they canceled it but never put the funds back in my account talked to someone again they got very disrespectful told me they didnt see the transaction told me no money was taken when it was cause I have screens shoots of everything
Consumer complaint received 2019-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NH)

I am currently enrolled in college and my loans are not in repayment status. However, I would really like to keep my loan balance from growing during my enrollment by making small monthly payments. Nelnet does not allow for borrowers to set up auto-debit payments until they are in repayment status. I feel that this goes against all financial education best practices and discourages students from making payments. If auto-debit is an option for some borrowers it should be an option for all. Below is the exact wording from Nelnet when I attempt to set up auto -debit payments. 


" You are not eligible to sign up for auto debit because you do not have a payment due. When your loan ( s ) is in a repayment status or within six months of your next payment due date, please return to this page to sign up for auto debit.

If you would like to make a one-time payment, you may click Pay Now from the Payments menu item. ''
Consumer complaint received 2019-05-09
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (DC)

XXXX : Wells Fargo- After getting a notice that I had reached my Savings-to-Checkings limit ( which the warnings did not count down ; what  constituted a S-t-C transfer, etc ), my checking account reached {$0.00}. The pending charges on my checking are being " Overdraft Protected '' one by one, and then being charged a " Excess Activity  Fee '' every time because it counts as a Savings-to-Checking transfer. 
XXXX : I'm stuck in a vicious circle that's resulting in needless fees, and after explaining to WF what is happening, they only offered 50 % fee-forgiveness, which is unfair as it's the first time this has ever happened.
Consumer complaint received 2019-05-09
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: Experian Information Solutions Inc. (MO)

Prior to XX/XX/2019, I sent a certified letter to Experian because I noticed on my credit report there was a public record being recorded as accurate, so I asked Experian for a method of verification of this item. 
I know by law they have 15 business days to send me what method and information they used to determine this public record as accurate and verified. However, I didn't hear from them until XX/XX/2019. 
On XX/XX/2019, Experian sent confirmation that XXXX is where they received their information as accurate and verified which is absolutely not true. 
Today, I come to you because not only is Experian in violation of my rights per FCRA they continue to report that XXXX gave them this information. Even after I have sent verifiable proof of documentation that XXXX gave to me, which states I have no public records on file with them. I ask that you hold Experian accountable for continuing to report this public record on my credit file even after I sent them the verifiable information that's needed for them to immediately delete any public records that they contain in my credit profile.
Consumer complaint received 2019-05-09
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: Resurgent Capital Services L.P. (TX)

I have made several attempts to verify an account in collections by Resurgent Capital Services directly and through the Credit bureaus. In XX/XX/XXXX and XX/XX/2018 I sent out a debt validation letter which a photo copy will be attached, and recieved basically responses on both occasions that the debt had been verified. But in reality all I got was a itemized list of charges and no proof of ORIGINAL contracts with my name or signatures which does not meet the FTC guidelines that constitutes proper debt validation. Also XXXX was not able to properly verify and were the only ones to delete the account. Also noticed that XXXX is reporting wrong information on said debt collector, which I will also attach proof of when I tried to request information. Letter sent was returned which I had sent out certified. I had also reached out to the ORIGINAL said creditor and they claim to have no information on such account, and if I'm not mistaken how could the credit bureaus or the collector validate such debt if under the FCRA a proper validation has to be done with the original creditor?
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion is damaging my reputation and credit worthiness. Not only are they reporting an account that is passed the statue of limitation they are reporting inaccurate unverified information on my credit report. I have reached out to XXXX & XXXX XXXX several times with no help and send out letters. There is an inconsistency of reporting even just the account number, date opened, terms, payment status, date last reported, DOLA, DOLP, and payment history grid among other aspects question validity of XXXX  & XXXX XXXX.
Consumer complaint received 2019-05-09
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. (NC)

On or about XX/XX/2018, I received a phone call from XXXX XXXX XXXX, on behalf of University XXXX XXXX XXXX. They stated that I owe {$75.00} for services rendered and not paid for. I contend that I do not know of this company or hospital and have never received any care from the creditor in question. Previously, in XX/XX/2018, My home was burglarized at gunpoint. 5 armed thieves stole all of my personal Identification and all of my home electronics. A number of financial and home improvement accounts were opened in my name - fraudulently! I am 100 % adamant that I do not owe {$75.00} to XXXX XXXX and University XXXX 's XXXX. The account in question was set-up using my personal identification, which was stolen in XX/XX/2018. I have had numerous battles with XXXX, Experian and XXXX. I demand that all erroneous entries be removed at once or I will file an Attorney General complaint against the CRAs and Creditors!
Consumer complaint received 2019-05-09
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. (NC)

On or about XX/XX/2018, I received a phone call from XXXX XXXX  XXXX, on behalf of XXXX XXXX XXXX XXXX. They stated that I owe {$75.00} for services rendered and not paid for. I contend that I do not know of this company or hospital and have never received any care from the creditor in question. Previously, in XX/XX/2018, My home was burglarized at gunpoint. 5 armed thieves stole all of my personal Identification and all of my home electronics. A number of financial and home improvement accounts were opened in my name - fraudulently! I am 100 % adamant that I do not owe {$75.00} to XXXX XXXX and XXXX XXXX XXXX XXXX. The account in question was set-up using my personal identification, which was stolen in XX/XX/2018. I have had numerous battles with TransUnion, XXXX and XXXX. I demand that all erroneous entries be removed at once or I will file an Attorney General complaint against the CRAs and Creditors!
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (NC)

I have fallen behind on my payment on my American Express business credit card due to a financial hardship, the 30 % interest rate and slow business sales. With the increased interest rate, the payments rose to $ XXXX/month which caused an additional hardship. The only option I was given for a lower interest rate was to pay the total past due amount and then I would be considered for a hardship program. This was not possible, so I had to let the account go delinquent since I could no longer afford the payments. 

After not being able to get in contact with me, American Express started calling my husband. On XX/XX/2019, XXXX XXXX ( XXXX ), calling from phone number XXXX contacted my husband on his cell phone and left a message addressed to both of us. My husband is not an account holder on my business credit card and American Express is not authorized to speak with him regarding my account. The manager above shared personal account information with my husband, including the amount due. He also threatened my husband by saying they have his social security number. 

Today, my privacy was not protected by this American Express manager. These tactics are unacceptable and so I'm reporting this incident to the CFPB. During the past 8 months, I have experienced a death in my family which caused sales in my small business to decline. I am also in the process of relocating to another state, which is causing another hardship. The tactics used by this manager in contacting my husband and threatening that they have his social security number has added more stress on this situation. 

American Express did not keep my personal information secure and confidential. Instead, they used it as a collections tactic and shared it with an unauthorized person.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # 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. I have a unverified account that is not accurate showing on my credit file from a XXXX FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified account.
Consumer complaint received 2019-05-08
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: Experian Information Solutions Inc. (TX)

I have contacted Experian several times as well as submitted a police report & FTC identity report stating the following account is not mine & I never signed or gave permission for these companies to open any account in my name for XXXX. I am requesting that these account be removed and blocked from my credit report for XXXX , XXXX account XXXX, U S DEPT OF ED/XXXX/XXXX account XXXX, U S DEPT OF ED/XXXX/XXXX account XXXX. There is also an inquiry for XXXX/XXXX on XX/XX/2019 that I did not do. Please remove these accounts for XXXX, XXXX, U S DEPT OF ED/XXXX/XXXX both accounts and the inquiry for XXXX/XXXX. I have a fraud alert on my report to prevent this from happening again.
Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (TX)

I am filing a complaint regarding an unlawful attempt to collect a personal property tax debt by Perdue Brandon Fielder Collins & Mott , L.L.P., on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ). A lien or foreclosure is being threatened as a result of this alleged delinquency. 

On XX/XX/year>, I received a second notice of tax lien ( ID # XXXX ) for personal property taxes imposed by XXXX XXXX. I am contesting the validity of this tax lien on the following legal grounds : Failure to Hold a Public Hearing ( Texas Tax Code 11.14 ( e ) ) : XXXX XXXX did not hold the required public hearing, nor did it provide proper notice to residents regarding the taxation of personal property. This is a direct violation of Texas law, which mandates a public hearing for personal property tax exemptions. 

Lack of a Valid Resolution or Order ( Texas Tax Code 11.14 ( c ) ) : The district has not passed a valid order or resolution authorizing the imposition of these taxes, which is a necessary legal step. Despite my request for documentation, the school district has not provided any evidence of a formal resolution or hearing.

The district provided documents related to real estate and agricultural taxes, which are irrelevant to the personal property taxes in question. The lien and tax collection efforts are illegal under Texas law, and a lien or foreclosure is being improperly threatened. I request that this unlawful tax lien be removed immediately.

Thank you for your assistance in resolving this issue.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MS)

I have a security freeze on my file and every time I try to life the freeze online I have no success. I cant view any of my information online. When I call every representative that I speak with is rude and always say that Im not passing my security questions. They are very dishonest people and dont offer help at all. I have yet to receive results of an investigation that is over 30 days old. And the freeze still hasnt been lifted. I first began trying to life the freeze from my report last month on XX/XX/XXXX. When the representatives that I speak with ask me when was the last activity of my freeze I give them a date range and they continue to tell me Im wrong. I know my personal information and I know the last time I attempted to remove the freeze on my file. I cant apply for any credit because of this and its really getting frustrating. I have tried to life the freeze online, through the automated system, and with the customs service representatives. STILL NO LUCK. I am never able to view my information online because the random security questions presented NEVER correspond with my file. Equifax is by far the worst credit reporting agency. Attached is two of the most recent investigations that I have file and I still done have results of these completed investigations. Also a picture of the phone call place to Equifax on today, XX/XX/2019
Consumer complaint received 2019-05-09
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. (MO)

On XX/XX/2019, I sent Equifax a certified letter for method of verification of a Chapter XXXX bankruptcy reporting on my credit report. 

On XX/XX/2019, I received confirmation from Equifax stating that the public record was verified by XXXX on XX/XX/2019. 

On XX/XX/2019, I sent another certified letter with proof that XXXX has no bankruptcy record on file for me and they have 15 business days to delete it from my credit report. 

On XX/XX/2019, Equifax sent a letter still insisting that they got their information from XXXX, which isn't true. 

Today, I come to you because my rights have been violated under the FCRA by Equifax continuing to report a public record on my credit report even after I sent the verifiable proof from XXXX to them, which states that I have no public record with XXXX. I ask that you hold Equifax accountable for their non-verified practices of the law and to demand they delete this public record from my credit report immediately.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (AL)

I submitted a compliant previously compliant number XXXX. XXXX XXXX XXXX XXXX XXXX ) is reporting 2 derogatory accounts on my XXXX, Experian and XXXX. XXXX XXXX XXXX  ( XXXX ) stated " We do not do credit inquiries we do run a system that provides us with a credit score but as far as we have always knew it was a soft inquiry only nothing that should ever hurt your credit unless the credit bureau has your credit unless the credit bureau has made a change we are not aware of maybe you need to speak with the credit bureau. '' XXXX XXXX XXXX XXXX  XXXX ) is unaware that there is 2 derogatory collection accounts on my credit report ( XXXX XXXX  {$610.00} and XXXX XXXX {$560.00} ). Both derogatory accounts need to be removed from all credit reporting agencies, XXXX, XXXX and Experian. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2019-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arco Collection Services LLC (TN)

I am writing this due to non-compliance with the ( Arco Collection Service LLC ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-05-08
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Webcollex, LLC (VA)

Starting on XX/XX/2019 I have received several calls ( up to 5 a day from various numbers ) that all trace back to XXXX. They will not tell me where they are from, only that they are trying to collect a debt. They have repeatedly asked for my social security number and have gotten aggressive, loud, and have used profanity when I will not answer their questions without further information. They have also contacted multiple family members after being asked not to. They have not sent me any written documentation and refuse to tell me what they debt is or who they are calling on behalf of. They are threatening me and family members. I do not know what this is about and have told them I will be reporting them.