davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (CA)

When I went to purchase the XXXX XXXX paying cash I was offered to finance the purchase. I had problems with the purchase. I did not receive all what was ordered. I was to return my current phone within 10 days to receive a {$300.00} discount. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person failed to send it. It was to days late. I contacted XXXX Customer service, given ticket ref XXXX, XXXX XXXX XXXX XXXX. XXXX would contact me to resolve the issue. 

To date I have not received a response from XXXX even after multiple of attempts, each time they sent a follow up over three months. I received mail from XXXX a finance company. I contacted and informed XXXX failed to live up to the agreement. I was waiting an answered to my request to resolve the issue. I requested contract be canceled as I intended to pay cash as I had done in my two previous purchases if XXXX phones. A representative XXXX on XX/XX/XXXX at XXXX  who stated the account would be canceled at my request. She informed me that I would received a letter my account was canceled. I never received the letter. XXXX showed my credit closed. Only to have it appear again. 
On or about XX/XX/XXXX I received my first XXXX statement stating I needed to make two payments. I contacted XXXX XX/XX/XXXX. I was informed the account would not be closed until I resolved my disagreement with XXXX. I explained I had been trying for weeks. I plan on paying cash once the dispute is handled. I am not paying for items I did not receive. There reply was then pay for what you received. I informed the agent my mother did not raise any genius, but she did not raise any dummies either. My concern is the agreement with you will be delinquent sixty days on the XX/XX/XXXX. I did not want the contract, I agreed to XXXX XXXX, not to another company. They refuse my request. They continually harass me weekly for a month even after I requested no contact.
Consumer complaint received 2018-10-11
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)

Experian is reporting that I was 30 days late on my XXXX XXXX credit card payment in XX/XX/XXXX. 

XXXX Account Number : XXXX I have no recollection of ever being late so I disputed this and asked for an investigation to validate the item. The original request was sent on XX/XX/XXXX and was verified without providing me the proof I was requesting. I sent a follow-up letter on XX/XX/XXXX again requesting evidence to support their claim. This request was also ignored by Experian. This record of a late payment is the only thing negative on my entire credit file and it is causing me distress and anguish.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Inquiries XXXX company report 1 ] XXXX XXXX  XX/XX/XXXX 2 ] XXXX XXXX XX/XX/XXXX 3 ] XXXXXX/XX/XXXX 4 ] XXXX XXXX XX/XX/XXXX 5 ] XXXX XXXX XX/XX/XXXX 6 ] XXXX XXXXXX/XX/XXXX 7 ] XXXX XXXXXX/XX/XXXX 8 ] XXXX XXXX XXXX XX/XX/XXXX 9 ] XXXX XXXX  XX/XX/XXXX 9 ] XXXX   XX/XX/XXXX 10 ] XXXX XXXX XXXX  XX/XX/XXXX 11 ] XXXX XXXX  XX/XX/XXXX12 ] XXXX XXXX  XX/XX/XXXX 13 ] XXXX XXXX XX/XX/XXXX Already I spook to customer service and send them letter to request remove this inquiries from my credit because never apply any about those companies and I am victim the inquiries issue
Consumer complaint received 2018-10-12
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. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me XXXX  ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX ), XXXX XXXX XXXX
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MO)

My name XXXX XXXX and i am a resident of Missouri. I opened a BMO HARRIS smart advantage checking account online back in XX/XX/XXXXAnd at the time they had a promotional bonus of XXXX $ offered on the account after meeting the qualifying Direct deposit requirements and it was open to the residents of Missouri. Their system automatically appliedthe promocode as they had mentioned in their promotion. 

I met the 2, 300+ DD requirements in XX/XX/XXXX 
Last month in XX/XX/XXXX i called their customer serivce to inquire about my bonus since its been more than 3 months since DD. 

They confirmed that i had met the DD requirements and that i should receive my XXXX $ bonus by XX/XX/XXXXthe latest. 

Its XX/XX/XXXXand still i havent received the advertised bonus. Upon researching online i further discovered that they are doing this to almost all customers and mnay are having to officially file a complaint to get them to honor their promise. 

I have attached with this complaint my checking account statement from XX/XX/XXXX showing my DDs and My screen shots of BMO HARRIS promotional offer including the promocode used. 

I hope CFPB looks into this and helps me resolve the issue.
Consumer complaint received 2018-10-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Outsource Group, Inc. (VA)

Delta outsource group contacted me on Friday XX/XX/XXXX in reference to a debt that was sent to them to collect on. I attempted to inform the representative that I had no knowledge of debt and that I would like more information mailed to me. The representative said she wouldnt send any information unless I provided her my information that she would need in order to try and use it to claim I owed this debt I knew nothing about. 

I notified the company in writing of my requests that they provide documentation of this debt. I have received more phone calls every day since XXXX XXXX and nothing in writing. The agent today XX/XX/XXXX called and I explained u have not been provided any documents that suggest I owe a loan and she acknowledged that my request for these documents was received. The agent then started to get angry and hung up on me
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

When contacting Equifax to unfreeze my credit, I followed all of the prompts in their phone tree, verified my information multiple different ways, spent ages going through it, and at the end, it gave me a confirmation that it would FREEZE my credit, when I had explicitly said I wanted to unfreeze my credit. Without giving me the option to fix this, the call was ended. I then had to call back four additional times to try to get through to an operator, three of which ended the call in the same fashion as before. I was only when I found some combination of options to select from the phone tree that avoided any mention of freezes that I was finally able to get through to someone who was able to do this. My understanding is they have a legal requirement to unfreeze my credit upon request, and their customer service setup makes it virtually impossible to do that, in a way that I have to imagine is intentional.
Consumer complaint received 2018-10-12
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 — Problem with personal statement of dispute
Company: Onity Group Inc. (MO)

My property was foreclosed and filed onXX/XX/XXXX by XXXX XXXX XXXX XXXX  c/o Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. The filing was in the state of Wisconsin , county of XXXX XXXX XXXX. The property was sold on auction on XX/XX/XXXX. Ocwen sent me a tax form XXXX for Debt cancellation of {$7100.00} in which I paid taxes on for XX/XX/XXXX filings based on fair market value of {$56000.00}. I recently observed my credit report for XXXX and noticed Ocwen was listed as open and a debt of {$5400.00} with last payment reported XX/XX/XXXX. I filed a dispute and was given the report that Ocwen stated it was legitimate and then they reported I had two late payments for XX/XX/XXXX betweenXX/XX/XXXX, which dropped my credit score 14 points. They also reported me 120 days late. My XXXX report states the same account and same amount, {$5400.00} with Ocwen as Closed and Charged off as bad debt, Profit and Loss write-off.
Consumer complaint received 2018-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (AZ)

I have been dealing with Calvary Portfolio Services and their representatives, XXXX XXXX XXXX for over 7 years on a debt they purchased for pennies on the dollar. In XX/XX/XXXX, I made an offer to settle debts, after them having collected sums over the years, for a sum of {$5000.00} which was an amount I was barely able to gather. They refused the sum and countered at {$30000.00}, not entertaining any other viable and reasonable negotiations. Their representative from XXXX XXXX XXXX proceeded and placed a garnishment on my wages which grosses me, on average, less than the take home of a person on minimum wage. I asked again, in writing, that they end garnishment on XX/XX/XXXX as they have collected over {$26000.00} from me toward the debt and I felt this was a fair and reasonable resolution. The only response was a " Thank You '' for my email and I'm on the edge of my finances going past 30 days, barely enough for food and on the brink of bankruptcy. All I ask is for them to consider and resolve the matter as outlined a year ago. They have no inventive and continue to steal money from my family as I work hard to make it.
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (FL)

I applied for a checking account with XXXX today,XX/XX/2018. I was denied stating " Prior unfavorable experience with a financial institution. Current unfavorable experience with a financial institution. '' I contacted Early Warning to contest and dispute the incorrect information being reported that resulted in me being denied. However, as of today, Early Warning has not removed the account from XXXX XXXX XXXX.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

Within the past year, I moved out of an apartment complex that tried to charge me fradulent fees, in the amount of {$290.00}, for painting the apartment. The complex is the XXXX XXXX XXXX, in XXXX, OR. They claimed that the painting was due to black smoot on the walls due to smoke. I contacted the complex to inform them that I never caused any smoke in the apartment, and that I was not responsible for the painiting fee. They tried to extort money from me by threatening me to pay, or they would send me to collections. I refused to pay, since the damages they are claiming, were not caused by me. They did report me me to National Credit Systems who are now trying to collect the fradulent charge, and also are negatively affecting my credit. I charged XXXX, XXXX, and the collections agency with providing proof that I caused smoke in the apartment, whether it be from video or pictures of me producing smoke in the apartment, or a 911 call saying that the authorities were contacted on a specific date, due to me causing a fire or smoke in the apartment. No proof has been provided, and the credit agencies won't fight on my behalf for them to provide proof that I caused any smoke damage to the apartment. I can also provide proof that there were wildfires in the area, during the time that I lived there and if there is even the remote possibility that there was smoot on the walls, it was probably due to the wildfires, which is not my fault nor should I be liable for it. I have no other simple way to say this, other than to say that the apartment complex is trying to extort money from me, with no proof that I caused the damages that they claim.
Consumer complaint received 2018-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC. (IL)

I called Tidewater finance on XX/XX/XXXX and requested a full copy of payment history and an original document with signatures and verification of how much according to them I owe only account # XXXX. My loan agreement states that the loan is for 66 months ( 56 payments ) at XXXX per month Ive had this account with tidewater since XX/XX/XXXX. My account with tidewater should end in XX/XX/XXXX. Tidewater is stateing that I still owe them over 7200 in payments. I believe that I owe tidewater far less which should be XXXX. XXXX dollars exceeds the the loan agreement. When I spoke with a representative today which they have my account in collections because the state that my XXXX payment is late and my XXXX payment is also late I have paid XXXX payment thru XXXX XXXX and my XXXX payment is due on the XXXX of each month and my XXXX payment had already been counted as late according to the rep. My XXXX payment was made on XX/XX/XXXX. According to all three credit bureaus I still owe XXXX and my account hasnt been updated since XXXX and XXXX on some bureaus. I would like for my account to be updated correctly and all money that has been paid applied to my account and since they are reporting my account incorrect I would like all payments brought to good standing for the untruth that has been being applied and Negative standing which Ive have been correcting for quite some time now.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Performance Management, LLC (TX)

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Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act XXXX against { RECEIVABLES PERFORMANCE }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act XXXX  because its a consumer. 
XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I added a new bank account for payments to my online account so that i can continue to make my on line payments just using my new checking account. I also schedule a payment to be made from this new account. I received a conformation email stating that the new account had been added to my capitol one account successfully. An hour later i received a conformation email stating my payment had been scheduled successfully. The next y XX/XX/XXXX, after going through my bank account and realizing the payment had not cleared my NEW bank account, it was brought to my attention Capitol one withdrew the funds from my old bank account that did NOT have the money in it to cover the payment. So now not only is my old account short the payment amount, but it was also hit with an NSF. I called capital one who for the longest time couldn't even tell me that i added a new account. When they finally could see that, they were not willing to help me in any way stating that I choose to make the payment from my old account with no money in it. Im in the process of closing out that account, I did NOT authorize payment from my old account. I need this account fixed. The customer service for XXXX was so disappointing.
Consumer complaint received 2018-04-18
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. (FL)

I had a complaint with Consumer Finance Protection Bureau about XXXX XXXX XXXX. XXXX XXXX XXXX promised to change to current never late. TRANSUNION never changed it to current never late. XXXX XXXX XXXX  promised to change to current never late with my complaint with Consumer Finance Protection Bureau. This needs to be changed b on my TRANSUNION Credit Report today TO CURRENT NEVER LATE.
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX my account was overdrawn by XXXX by a payment that was made on XX/XX/XXXX with a date for processingXX/XX/XXXX. The payment is not reoccurring. They decided to take the funds on XX/XX/XXXX leaving me with an overdraft of XXXX. I immediately had someone Quickpay me the {$9.00} that same day at around XXXX. Chase claims one has until XXXX to put ur account in positive or {$5.00} or less in overdraft. At this point my account was only at XXXX before XXXX. This is what chase quoted from the messages I have. The following day they still charged me an insufficient funds fee. They couldnt explain why only that it could not be reversed. This isnt fair because I turned off my coverage feature and take all the necessary steps they suggest and they still Hit me with fees! On top of it all they never sent me an alert saying the account was overdrawn! They cant continue to deceive people with rules they dont follow!

They always seem to change the the listing of the charges on the app. But I have proof the quickpay was done before the business day end.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I called TransUnion and XXXX, and XXXX, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud. 
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX has been reporting on my credit report for over a year now. I have contacted the credit agency and advised that the information for this account did not belong to me and was incorrect as I had watched the information change several times in the past year. The credit agency advised that an investigation was completed and all information was verified. I had requested information from XXXX which waws never received therefore I asked for the credit reporting agency to send all documents received associated with this account that was used to verified it. The information was never received. I then asked 3 more times via certified mail and it was still never received. The amount and information on this account continued to change however no payments were made to this account from me and it had been reported as a loss but the balance changed approximately 4 times in the last year. Still to date I have not received any documentation from genesis nor the credit bureau stating that they completed an investigation. On most attempts the credit bureau stated the investigation was complete in as little as 5 days which is not even enough time to request and secure appropriate documentation.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Lender Inc (SC)

Self Lender ( XXXX XXXX ) is showing a late payment on my account from XX/XX/2018 and this late payment have dropped my credit score about 40 points. I have never been late on my self lender account. Every month since I have gotten the account self lender automatically drafts the money out of my account so I was surprised that I got a late payment from them. That is almost impossible to happen if they are using the same account information every month to draft the payments. When I did contact Self lender about the reporting of a late payment on my credit they said that they tried to call me and left me a voicemail. That is a lie I have never received a call or voicemail from self lender. I check my voicemails everyday. My credit is so important to me if I had known that there could of been an issue with my account I would of done everything to fix it. I was never late on my self lender account. This company is very unprofessional and I would not be recommending them to anyone.
Consumer complaint received 2018-04-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings (GA)

Received call from unknown debt collection agency on Wednesday XX/XX/XXXX at around XXXX XXXX  saying they are attorneys and going to take me to court for wage garnishment for account 6 years old. Employee was rude and unprofessional. Employee used abusive and threatening language.