davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (NY)

In XXXX my car repossessed and the law office of XXXX, XXXX and XXXX took over the loan. I set up a payment plan of XXXX a month and I have never missed a payment as it is directly withdrawn. In XX/XX/XXXX I called to offer a settlement, they said I owed XXXX, I offered XXXX to settle. I was told that they would get back to me and I didn't hear anything from them. I still remained making payments. Then in XXXX of XXXX I called to make another settlement offer and they told me that I owed XXXX. I asked how that could be when the last time I called I owed less and it was showing my balance go down on the credit apps that I have, XXXX and XXXX XXXX. They told me that those apps don't show the correct information. But that still does not make up for the fact that my balance hasn't gone down and I've been making payments.
Consumer complaint received 2022-06-03
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. (NY)

In accordance with the Fair Crediting Act XXXX  Account Name : XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-06-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (FL)

It has come to my attention that FIRST FED CREDIT CONTROL is claiming that I XXXX XXXX allegedly owe a debt in the amount of {$340.00} that I am not obligated/responsible to pay on in reference to Acct # XXXX with FIRST FED CREDIT CONTROL. FIRST FED CREDIT CONTROL is in direct violation of my privacy rights, somehow Without my consent via verbally or in writing and with no permission from me FIRST FED CREDIT CONTROL has obtain my personal information. As FIRST FED CREDIT CONTROL is well aware of these actions are also a violation of the HIPAA laws put in place to protect consumers. The fact that FIRST FED CREDIT CONTROL was able to obtain/purchase my personal information via a third party is illegal. I have never agreed to do nor do I plan on doing business with FIRST FED CREDIT CONTROL. This matter has caused me a lot distress both physically and mentally, defamation of character, and harassment. This is my final attempt and notice to contact FIRST FED CREDIT CONTROL to resolve this matter. Im giving FIRST FED CREDIT CONTROL seven ( 7 ) calendar days to resolve this issue or I will pursue legal actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-03
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # 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 2018-12-14
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

Loan Care is erroneously reporting 60 day late payments on my credit report for a period of time I never even lived in the home. My home was purchased XX/XX/XXXX and sold XX/XX/XXXX. Loan care is reporting that I have 60 day lates for XX/XX/XXXX and XX/XX/XXXX. I tried repeatedly to have this corrected. Loan Care does not allow you to speak to representatives in their research department and despite bank statements showing payments and verification that the home was sold and payments were made timely, they have not updated the record. I wrote them several times and spoke to several representatives but was never able to speak directly with anyone that was actually responsible for rectifying the issue. I have been working with a consumer credit counselor for 6 months now and they have also tried to have the record updated as this is negatively affecting my credit score and preventing me from qualifying to purchase a home. They have been ignored as well. This is an egregious disregard of the facts and is creating an undue hardship to myself and my family.
Consumer complaint received 2021-03-09
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. (PA)

I have Unathorized accounts & inquires on my Credit report. According to the Fcra Any Unathoriized items on my report must be removed if not % 100 accarute & Verifiable. Please Remove this From my report
Consumer complaint received 2021-08-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (TX)

some went in and to my security box illegal twice at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My box number is XXXX my name XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. My wanted XXXX  XXXX XXXX XXXX XXXX and her XXXX XXXX ex veteran brother XXXX XXXX XXXX who loves to flashing fake law enforcement badges are being behind this or one there friends. Please email or mail the complaint forms. I also call contact the Texas states Attorney General. Please the wanted fugitives love call places thousands of times trying stop and cancel my complaints claiming to be me over the phone or write Letters using my stolen identification cards one from XXXX XXXX XXXX XXXX Massachusetts another from XXXX XXXX XXXX XXXX TX my apartment was broken in twice the my spare from my safety security box.
Consumer complaint received 2022-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (IN)

The company does not apply payments in a timely manner and its website does not have an accurate accounting of payments made or what the payoff balance is for a customer to pay off the loan. I believe this is in bad faith in order to keep customers in the dark about their pay-off options.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

my account was was on deferment for the months XXXX and XXXX per agreement with XXXX XXXX. and my account was made current. My next car payment was to start on XX/XX/XXXX. Since then I have not been late on my account. 
I recently checked my credit report and seen there was a 30 day late payment added to my report. please thoroughly investigate this matter and update my credit report with all XXXX XXXX and remove the late payment immediately. or send account ledgers to prove there was a late payment made on my behalf.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Penfed advertise on its website that one of the main benefits of its PENFED PATHFINDER REWARDS XXXX XXXX CARD is a " {$100.00} Annual Air Travel Credit for baggage fees, lounge access and onboard food and beverages ''. 
On XX/XX/19 I charged {$30.00} for baggage fee on a XXXX flight and a week later I got a {$30.00} credit. 
On XX/XX/19 I used the card to pay for baggage fees for {$80.00} for 2 flights with XXXX and expected a {$70.00} credit ( {$100.00} minus {$30.00} already received in XXXX ). After few weeks, I started calling Penfed to investigate why I had not received the credit. First I was told that it would happen automatically, but it would take up to 12 weeks. After 12 weeks I called again and nobody would even know who I should talk to. After multiple phone calls, I was told that I would need to talk to the Concierge Dept. I made multiple calls to the Concierge Department and nobody had any idea why I had not received the credit. After 3 phone calls, I was finally able to speak to a supervisor and asked if someone could investigate and call me back. When I finally received a call back, I was informed that " the card only reimburses charges by Domestic airline and therefore XXXX would not qualify ''. I pointed out that there was no reference to this in any of the marketing material I received nor on the website, which by the way, still shows today misleading marketing information. 
I believe that since Penfed advertises on all its marketing material " {$100.00} Annual Air Travel Credit for baggage fees, lounge access and onboard food and beverages '', the Penfed should reimburse customers for up to {$100.00}. Going forward if Penfed does not want to reimburse consumers for charges from international airlines, then that should be made clear in all marketing material including the website ( screenshot of the penfed site is attached ).
Consumer complaint received 2022-06-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (NY)

Amex close my saving account without notification. Amex sent my left fundings by check. However, I am moving out from my current address and unable to receive the check in my current billing. I already sent Amex the Bank Check Stop Payment and Indemnity Agreement by fax for check being replaced and resent to my new address on XX/XX/XXXX. And Amex informed that they would contact me by XX/XX/XXXX. 

Amex did not respond by XX/XX/XXXX.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

my account was was on deferment for the months XXXX and XXXX per agreement with XXXX XXXX. and my account was made current. My next car payment was to start on XX/XX/XXXX. Since then I have not been late on my account. 
I recently checked my credit report and seen there was a 30 day late payment added to my report. please thoroughly investigate this matter and update my credit report with all XXXX XXXX  and remove the late payment immediately. or send account ledgers to prove there was a late payment made on my behalf.
Consumer complaint received 2022-06-09
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NJ)

An apartment complex sued my wife and I because rent was received via overnight mail 1 day late. The amount due was {$5.00}. They sued us for possession and received a judgment on XX/XX/XXXX in the amount of {$3400.00}. We found out a few months later that XX/XX/XXXX NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX placed the judgment on my credit in the amount of {$9400.00}. When we contacted them and advised 1. we never received notification of the debt as we were in the process of negotiating the amount with XXXX, the actual company that received the judgment. 2. there was no justification of the amount reported that was nearly triple the judgment amount. The company advised we received notification of the debt or how else could we contact them. I was notified when checking my credit. There is no way they could have received and validated the debt in 30 days from the actual judgment when we would have been given 30 days alone to validate it. We were not given anything. They also advised if we have a judgment we know we owe them money but again the dispute is for the amount. They continue to validate the amount without providing any proof of the amount or that they are legally able to collect as the amount supposedly includes the judgment to XXXX but they are reporting the creditor as XXXX XXXX  which no longer exists. There is nothing accurate or legal about the way this debt is being handled. The collection agency is conflating the amount they claim we owe with the amount of the judgment by pretending they're 2 separate amounts but reporting an amount that clearly includes the amount of the judgement along with the additional yet inexplicable inflated amount.
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (FL)

BMO Harris is refusing to honor the sign up bonus I was promised when I opened my checking account. I opened my account on or about XX/XX/2019. The advertised terms were as follows : To receive the {$200.00} bonus for a BMO Harris Smart Money Account or BMO Harris Smart Advantage Account : 1 ) Mention or use the promo code when you open a new BMO Harris Smart Money Account or BMO Harris Smart Advantage Account between XX/XX/2019 and XX/XX/2019. If you use the open now link above well automatically apply the promo code for you. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$500.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. 3 ) Have at least 10 debit card purchases made with your BMO Harris Bank Debit Mastercard post to your account within 90 days of account opening. 

I completed all requirements by XX/XX/2019 ( direct deposits and debit card transactions ) but I still have not received the {$200.00} that BMO promised in exchange. I have contacted them three times in the past three months and have been given the run around each time, although they have acknowledged and confirmed repeatedly that I am entitled to the payment -- but they are continuing to withhold payment more than seven months after I opened the account, without explanation. My correspondence with them is attached.
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (VA)

I received a notice for debt collection from American Coradius International dated XX/XX/2019. On XX/XX/2019, I sent a debt validation letter via mail and fax to American Coradius International, stating that I do not owe any debt and challenging the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls and received another letter to attempt to collect this debt that I do not owe. I have had to send another letter today via fax and will send it once again by mail. I do not owe this debt and want the calls, letters and attempts at collection to cease.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX Late Date XX/XX/22
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt the three creditors say that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. ex I respectfully request that collection companies provide me with competent evidence that I have any legal obligation to pay the COLLECTION COMPANIES. 

Here are the collection companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I have a closed credit card with Wells Fargo Bank, Made two payments unable to pay on line due to the amount. On line banking has not changed to show that the two payments were received XXXX. On line banking is showing we still owe and I am getting phone calls about the payments. Tried calling got no help.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute online to have items removed from my credit report which are incorrect and they continue to appear. One particular item was confirmed as being deleted on XX/XX/2020 but is still appearing on my report. 

XXXX Acct # : XXXX deleted XX/XX/2020 per credit bureaus but is still appearing on my account. 

Incorrect name : XXXX XXXX XXXX employers : XXXX XXXX umemployeed Unauthorized inquiries : XXXX XXXX XXXX XXXX No knowledge of account/ account not mine : XXXXXXXX XXXX XXXXXXXX Acct # : XXXX XXXX & XXXX Acct XXXX XXXX
Consumer complaint received 2024-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

This is a complaint against Synchrony Bank for their shady and predatory lending practices. I just found out today that they reduced my PayPal credit line from {$3400.00} to {$220.00}, despite me paying them the FULL BALANCE OWED two weeks ago. They did not notify me in advance that my account was in any danger. I was attempting to make a purchase under the assumption I had about {$1300.00} in credit available ( due to the payment only partially posting ) only to embarrassingly and furiously discover that I do not. Now my credit score takes a hit for no VALID reason other than Synchrony wants to play dirty games. When a company randomly decides to DRASTICALLY lower credit or close accounts, the usage portion of your credit score increases because it looks like youre using more credit than you are. This is a DANGEROUS THREAT to a a persons financial stability and growth.

Synchrony falsely cited my credit worthiness as an excuse even though I paid them ON TIME every month since opening the account in 2021 with the exception of two months last year when I lost my income due to an unplanned medical leave. The fact that they reduced my credit without warning AFTER I paid them {$3500.00} in full is THEFT and I want my money back. I have gone through similar things with XXXX and XXXX XXXX. These companies MUST be stopped.. Im BEYOND sick and tired of these greedy corporate banks hurting the every day working class consumer and they need to be held accountable.