davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

I went to the hospital XX/XX/XXXX and received a bill from the hospital mid XX/XX/XXXX. XX/XX/XXXX I received a letter from Wakefield & Associates ( aka XXXX XXXX XXXX  ) saying that I owe {$420.00} plus {$130.00} in interest charges. I called them to ask what it was about, I was told to submit my insurance information, which I did- and I submitted written request for an itemized bill. I never received the itemized bill, but received another letter from them XX/XX/XXXX that I had 7 days to pay the full amount or it would be submitted to the credit bureau and legal action would be pursued. I again asked for an itemized bill- and was told to submit written request. I said I had already and received nothing. I asked for information on who sent the account to collections, who the doctor was, what the charges were for, and they refused to give any information. However they wanted to know personal information about me- where I lived, where I worked, where my parents lived, contact information, etc. told them this was none of their business, and I wasnt paying them a dime until I saw an itemized bill. I even submitted receipts from that date of service with the bills I had received and they continue to argue that I owe money. I even called my insurance company and the hospital, and no one can find any bills paid or outstanding for that amount from that date of service. All that comes up is what I already paid. These people are rude, dishonest, con artists and they need to be shut down. I will continue to fight this and put an end to their harassment.
Consumer complaint received 2022-07-04
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: LEXISNEXIS (TN)

upon checking report i notice fraudulent charges on my report. 
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 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
Consumer complaint received 2019-04-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (NJ)

In XX/XX/XXXX, I visited route XXXX XXXX, spoke with XXXX he sold me a XXXX XXXX XXXX for XXXX after taking out the trade-in price of XXXX. I show him the car was valued at $ XXXX, but it was too late, sales pitch, wouldnt take no for an answer etc THEY GOT ME. They gave me a loan from Santander consumer USA for XXXX, 72 months at 20 % interest. 

Ive been trying to get out the loan for a lower interest rate for 2 years but no one will touch a loan that the loan is SOOOO MUCH more than the value of the car.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

I set up automatic bank payments through my bank, and paid two weeks early for the XXXX payment. Rather than credit the month of XXXX, the credit card company credited both payments to XXXX, then called me and said I was late making the XXXX payment. They refused to credit the {$180.00} ( which is well over the minimum amount due ) and said I would need to send them another whole payment for XXXX. I was upset, to put it mildly. The long and the short of it, rather than credit my payment for XXXX, I had to ask them to refund the payment to me and now I will have to send them another payment ( ridiculous ) and have my account show a late payment. They did not tell me that if I paid early my payment would only be credited in the month paid. I want this company censured for their lack of financial astuteness and failure to be consumer friendly. 
This is Comenity Bank credit card XXXX XXXX, Texas Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX XXXX XXXX
Consumer complaint received 2021-02-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mobiloans, LLC (SC)

I received a phone call stating that a court order would be sent to charge me with a worthless check. I called to find out more and was told it was for a company named " Mobile Loans '' and the loan was taken out in XXXX. I told XXXX XXXX, the woman in charge of my account, that it was not my debt and she told me that I had to either make a settlement payment or go to court. I then asked her to send me validation of the debt as it was not mine. I then asked her what address she had on file and she gave me an address in a whole different city. The call was then disconnected. I then called back and was told that they did not have the ability to stop the court proceedings unless I paid. I asked to speak to a XXXX and that is when the " Legal Department '' came to the phone. This women was XXXX XXXX XXXX Once I told her the situation she told me to " have fun being XXXX again and enjoy court ''.
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I called the financial company XXXX XXXX, and I was told to go and get a police report and contact the credit bureau and send it into them and they would look at it, I feel the I never went into this company to apply for anything, so why should I go around and get what ever they need, no one should of been aloud to come in their company and apply for a loan
Consumer complaint received 2021-02-22
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. (TX)

I am a victim of identity theft. All the companies have responded except XXXX XXXX XXXX. This account needs to be deleted from my credit report asap. It has been more than enough time for them to let me know what is going on and this is causing me great stress dealing with this and the storm that has me and my family without a place to live.
Consumer complaint received 2020-08-18
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. (OH)

I would like to file a complaint regarding an account Experian is reporting. I have requested information, validation and method of verification multiple times with them but to nothing has been done. I have not received any response to my mailing from XX/XX/2020. The error is XXXX XXXX ( XXXX ). In my letter disputing this error, I told Experian that I challenge the accuracy and reporting of this item. Experian is reporting that XXXX XXXX ( XXXX ) XXXX XXXX is {$2700.00}, but the Balance reports as {$3900.00}, which is larger than the XXXX XXXX reporting on the account. Experian replied updating the item but validating this inaccurate information as accurate. When Experian verified the account as accurate per the Fair Credit Reporting Act, I requested their method of verification showing how they validated the debt as accurate, documentation, contact information of the individuals they spoke with and all relevant documentation. Experian did not respond in the 15 days required by the Fair Credit reporting Act to respond to requests for their method of verification. Then on XX/XX/2020 I filed a complaint here with CFPB stating that they had not responded to my method of verification letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, with the most outrageous response saying " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' This was a blatant refusal to comply with the Fair Credit Reporting Act and a stall tactic. Experian can not validate this item but is stalling to remove it as they should have done already per the Fair Credit Reporting Act since they have provided no proof they actually verified the account. As I stated I would in my initial letter to Experian, I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this account from my credit report. I have attached my initial letter to Experian, my method of verification request to Experian, the certified mailing receipt, and my CFPB complaint where Experian tried to stall saying Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request and my Highlighted Credit Report showing Experian Reporting the XXXX XXXX as {$2700.00} while reporting the balance as {$3900.00}.
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MA)

I received a debt collection statement from " Radious Global Solutions LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX '' dated XX/XX/2021. 
They are stating in the statement that they intend to collect on behalf of Creditor " XXXX '' for an amount of {$420.00} I never have requested or opened a credit account from this company, XXXX, and it is a case of fraud. For this reason I have not paid any amount to Radius global solutions and am reporting this to your attention. 

I also sent a written notice today to Radius Global Solutions that I intend to dispute this debt.
Consumer complaint received 2019-04-02
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: AMERICAN EXPRESS COMPANY (CA)

On XXXX, American Express sent me a promotion over email : Special Offer for XXXX : ... Special Offer for XXXX points .... 

On XXXX, I clicked the invitation link inside that email, confirmed the promotion displayed on the application page : earn XXXX membership rewards points after you use your new card to make {$5000.00} in purchases in your first 3 months. Immediately after submission, I got approved on this Amex platinum card. 

On XXXX, I received my new card over mail ; I called to activate and confirm the promotion on my new card. I was told by customer representative that there is no such promotion on my new card even after I provided the RSVP code and POID sent by American Express directly to me. Please find the attachment for the original invitation.
Consumer complaint received 2019-04-04
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 (NV)

I made a purchase with my credit card. The company I purchased from ( XXXX  ) was shut down by the FTC. The education website was for lifetime access to their training programs on their various websites. Like training videos, talking to 1-on-1 coaches I can not receive services due to the shutdown, and I am still paying for the services, when I am clearly not getting them. I contacted Bank of America to file a dispute. They denied my dispute, even though I did not receive services. They told me the dispute is closed all resources have been exhausted, and I would have to pay the remaining balance of {$9900.00} ( purchased on XX/XX/XXXX ) on credit card ending in XXXX. 

Bank of America has all the documents that I have provided to provide a chargeback. Over 130 pages of documentation.

They told me they sent me letters that they required more information, but I have told them I have not received those letters. 

They said they would send them again. I contacted them early XX/XX/XXXX to ask when I would get the letters, they told me the dispute had been closed. 

I have has disputes resolved with other credit cards and well as debit cards. 

I
Consumer complaint received 2021-02-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC (VA)

On XX/XX/XXXX, my husband was retiring from the XXXX and I knew I would be the only one working. It was going to be difficult providing for our three kids. We decided to refinance our current mortgage loan with Planet Home Lending which we were VA residential on the loan. We contacted Planet Home Lending and immediately we were connected to XXXX XXXX who started our mortgage refinance application process and he made it seem it was a great decision and it would take at least three months. It also included not paying the mortgage for two months. On XX/XX/XXXX, I emailed Mr. XXXX to check on our application and he said it would take another month or two months. A month and a half passes by and we call and leave messages on his office and mobile number and he would not return our call. Instead, we finally received an e-sign document on our loan approval on XX/XX/XXXX which the preparation date on the document when prepared was XX/XX/XXXX. We sign the document and we gave it more time before contacting Mr. XXXX again. When we called his phone we would not get an answer and we would leave voice messages and he would never return our call. We were getting frustrated. I then emailed him and he emails back and cc 's a woman by the name of XXXX XXXX to advise and the email contained that the file was in " Encompass it is still processing ''. We never recieved an email with a response so we called Planet Home Lending and we were advised to contact Mr. XXXX once again but we explained the situaution to the person on the phone. We continue to call Mr. XXXX and XXXX again starting XXXX XXXX and no answer. We then applied for the forbearance to help our family during this process in XXXX. It is now XX/XX/XXXX and my husband called the mortgage company to speak to a manager and XXXX the manager hangs up in my husband 's face and never calls back. My husband calls Planet Home Lending back and he spoke to a representative to see if he could speak to someone above XXXX the manager and gets information to the issue. He stated he would get in contact with XXXX 's supervisor so he could advise her to call us and give us an update. I was just fed up with the words of promises but there were no actions behind it. We need help getting to the bottom of this as soon as possible.
Consumer complaint received 2019-10-24
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act : XXXX XXXX # XXXX, XXXX XXXX XXXX, ( 1 ) XXXX XXXX Bank XXXX XXXX XXXX, and ( 2 ) XXXX XXXX Bank XXXX XXXX XXXX have all violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (FL)

I have a loan on the amount of {$17000.00} I have been making payments for {$480.00} per month for 19 months now and I still have an outstanding balance of {$16000.00}, my money has been going to only interest, if I keep on making this payments I will never pay off my car, advertising was very misleading and the sales process itself was not legit.
Consumer complaint received 2020-05-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (IL)

I took out a title loan on XX/XX/2020for {$1600.00} at 200 % interest. I made my first payment and over paid by {$100.00}. Then shortly after my state ( IL ) was placed under shelter at home order due to COVID-19. Since that time I have been unable to work due to the governors orders. Since I am XXXX XXXX  I can not start receiving unemployment benefits until XX/XX/XXXX. Therefore I have had no income and have been balancing feeding my family, paying my bills and preparing for an uncertain future. 

I spoke with XXXX XXXX and TitleMax and explained all of this to them. The understanding was that the late fees would be waived, the interest would continue to accrue and I was told to pay when I could. Yet I have received multiple phone calls every day since asking for money. I even received a notice of default signed by the very person I spoke to on the phone. During this moment of crisis this has become very stressful and worrisome as we do not want to lose our family vehicle.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

The XX/XX/XXXX and XX/XX/XXXX Credit Acceptance stated a email was sent to remove COVID status. I didnt receive any communication from Credit Acceptance regarding a minimum payment was due to stay under the status. In result, my credit report is now reflecting 90 day late payment for COVID status I was still suppose to be under. The website now states that a payment had to be made by XXXX. I talk to Supervisor XXXX stated the email was sent on XX/XX/XXXX and that it was nothing they could do that I didnt receive it. Then next I spoke with a Collection Manager XXXX stating it was sent XX/XX/XXXX. I getting conflicting information. The manager XXXX also stated a letter was sent and could not get a date at all.
Consumer complaint received 2020-05-06
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. (GA)

Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-06-23
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. (MI)

I submitted a dispute for all my accounts in XXXX of XXXX, subsequently the XXXX XXXX XXXX XXXX XXXXXXXX was disputed as well for inaccurate reporting. Although, I disputed the type of account and the way the information was reported in the payment history. I have attached a copy highlighting this erroneous furnishing. Please look at how the months of XXXX of XXXX goes from a 120 days late to 90 days late then back to 120 days.
Consumer complaint received 2022-06-23
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: NCB Management Services Inc. (MI)

In accordance with the fair credit reporting act the reporting of the following have furnished reports has violated each of my rights : NCB Management Services account # XXXX, file # XXXX XXXX XXXX XXXX account # XXXX 15 U.S. Code 1681 602 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.