davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ECMC GROUP, INC. (CA)

XXXX XXXX/XXXX stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from XXXX XXXX that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of {$150.00} on 9 consecutive months. The first month was XX/XX/XXXX- XX/XX/XXXX. Again I have all paperwork that backs my statement. On ECMCs website I was able to look up both of loans. Since ECMC became my lender. I noticed that on XX/XX/XXXX they stated that there was an rehabilitation repurchase payment from a lender for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they dont have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, XXXX XXXX and XXXX are the ones who are not telling the truth. ECMC took my refund from the I.R.S on XX/XX/XXXX. The total was {$3900.00}. On XXXX website and on ECMC website, they state that there were payment reversals. There where 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the {$3900.00} for my taxes. I never saw that check, nor  did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from XXXX, ECMC, or XXXX, no where does it ever show what payments went too, or a balance. There are more little mistakes that all three seem to keep making. If and when you decide I have a good case to sue, we can go over those too. 
Ecmc-ca stated in XX/XX/XXXX, that I defaulted by not making six consecutive payments. I found the paperwork that shows I made 9 consecutive payments. ECMC said I defaulted so they could wage garnish. When ECMC started me on a rehabilitation loan they never set me up with any paperwork. From their website I was able to see that there was a Rehabilitation Repurchase Payment. I asked ECMC to show a running total of what I paid. They never reply to any of emails, phone calls. I have all the paperwork that shows payments made to them that total over {$15000.00}. When other lenders would buy the loans, it never showed me paying anything. XXXX/ECMC are the ones who I paid from {$15000.00} - {$18000.00}, yet I never see this anywhere. What can I do? 
Thanks XXXX XXXX
Consumer complaint received 2016-10-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

1. On XXXX/XXXX/2016 - I received a security alert from Bank of America ( XXXX ) that my banking password had been reset. I did not ask for a password reset. I immediately tried to log into my account and was unable to do. I finally got in touch with BA fraud unit. I was told they could not help me that I would need to go into a bank and identify myself. The bank was closed on XXXX/XXXX/2016 for XXXX XXXX. 
2. I went into the bank on XXXX/XXXX/2016. Showed my ID and my debit card ( which they kept ). I was told I needed to close that account and open another one. They were able to show me all of the fraudulent transactions that the predator had made. See attachment " A ''. Another account was opened for me, a temporary debit card was issued and I was given the routing number and checking account number to give to my creditors to set up automatic draft for my bills as I have used with this bank for the last 25 years. I did so. 
3. On Thursday XXXX/XXXX/2016 - nine days later, I received a call at my home from BA Fraud Unit, after a series of questions I said to the person, these questions sound as if I am being indicted for what happened to my account. I was told, " there is no way a person could have gotten into your account unless you gave them your pin number. '' I said to the person over and over " I have never given anyone my pin number. '' The person again repeated the indictment. She told me I would have to go in and open another account. I told her I had done so already and the bank had sent me a new debit card. She put me on hold for a while, when she came back she repeated her indictment and also told me, " You will never be able to open an account with Bank America again. '' I told her I did I did not want to, I just wanted my money they allowed someone to take from my account. I was told it was not likely that I would receive that money. After hanging up I went to take the funds from the new account to discover that Bank America had closed the new account as well. 
4. On XXXX/XXXX/2016 - I received a letter stating Bank of America may report my account to the following reporting agencies : XXXX. XXXX XXXX XXXX XXXX XXXX or both. They further stated : " This may affect your ability to open an account at another financial institution for up to seven years. Why does Bank America want to punish me a customer for them opening up another account in my name. Is this not a felony? 
5. Although I have contacted all of my creditors, I had automatic drafts to bounce and had to find money to pay all creditors. The check that goes to Bank of America is an annuity check from my late husband. Because of this happening after the posting date, I will not receive a check until XXXX or XXXX. My bills still have to be paid.
Consumer complaint received 2016-10-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (WA)

Ordered a tent and equipment rental from XXXX for an event XX/XX/2016 in XXXX, Wisconsin and paid with my WellsFargo debit card. XXXX was not able to complete the job appropriately as their weight system did not fit into the required XXXX space allotted at the show .The tent they installed also had rips in it. The tent also was installed incorrectly and had tears in it. I requested that XXXX return to the site to fix the problem. They stated that they could not fix the weight issue as it was a liability so they could not fix to fit in with my allotted space. ( see texts and photos from event essentails ) They stated - too bad, that they would just pickup the equipment. 
I filed a dispute with Wells Fargo including photos and copies of all communication. Wells Fargo issued me a provisional credit then did n't do anything and reversed the credit last week. I have requested for them to reopen the claim and find in my favor but they have n't responded
Consumer complaint received 2016-10-29
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (CA)

I received an American Express prepaid gift card in the amount of {$50.00} in an unopened and fully sealed package about 2 weeks ago. Today, I opened the package and tried to use the gift card for a purchase only to find that the card contained no balance. I called American Express to tell them about the fraudulent activity and they refused to do anything about it. They said the funds were used and card swiped at the time of the fraudulent purchases. I advised them I had possession of the gift card in its sealed package the whole time, but they still refused to address the problem. They said they treat the cards like cash, but if it were cash, I would have it in hand since it was in my possession the entire time. This is unacceptable for American Express to sell gift cards which are prone to fraud and leave the consumer who had possession of the card the whole time with no alternatives to get their money. On the packaging they even state " Funds replaced if lost or stolen ''. In this case, the funds were stolen and they refused to replace the funds.
Consumer complaint received 2015-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: ERC (NV)

I was contacted by Enhanced Recovery of XXXX XXXX XXXX, XXXX, FL XXXX, XXXX regarding " several collection accounts ''. They would not identify these accounts and I was told that at XXXX Friday ( XXXX/XXXX/2015 ) I would be visited by the police who would have a warrant for my arrest. 
I asked them to provide me a written statement and was told I could read it in jail if I did n't pay " right now ''. 
When I refused and again requested a written bill, the collector became very abusive and told me he did n't have to give me anything in writing. I asked if he was familiar with the FDCPA and he told me that makes no difference to him and he would be enjoying the weekend while I was in jail.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am reaching out to file a complaint on Experian, XXXX and XXXX about items on my consumer report that, by law, should not be reported. These institutions are currently reporting items, and I would like to address it. On XX/XX/XXXX and XX/XX/XXXX, these companies reported a transaction as late. Per 15 USC 1681a, the law states ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report. This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. By law, it is not required to report late payments and I am asking that XXXX, XXXX and Experian cite the specific law that requires them to report a transaction as a late payment. The only potential law that addresses late payments is **15 U.S. Code 1666b - Timing of Payments : ** ( a ) Time to Make Payments : ** A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by **Section 1637 ( b ) ** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. I am requesting that Experian, XXXX and XXXX provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ). If they are unable to provide that information, this is a violation per the FCRA. Furthermore, I have attached documentation from XXXX confirming that they have sent a letter to the three bureaus to update the 30 days late payment on XX/XX/XXXX. They did not remove this late payment and update the payment history to reflect paid on time. I have attached the letter as well as an identification affidavit, drivers license, social security card and a utility bill in which all were mailed. I am formally requesting the deletion of all transactions marked as late on my consumer reports.
Consumer complaint received 2016-08-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (WI)

I have a auto loan with Consumer Portfolio Services and after a year of paying my loan my balance has not changed. After investigating it appears they are applying my full payment to interest! 
Item Financed : XXXX BMW 3 SERIES Amount Financed : {$17000.00} Contract Amount : {$17000.00} Contract Date : XX/XX/XXXX Maturity Date : XX/XX/XXXX falsely threatening car repossession ; and deceptively manipulating Caller ID. Because for many of its accounts CPS is a creditor, the complaint charges these practices violated Section 5 of the FTC Act. For those accounts where CPS is a debt collector, the complaint charges these practices violated the FDCPA. Improperly assessing and collecting fees or other amounts on my account. Unilaterally modifying my contracts by increasing principal balances. Making unsubstantiated claims about the amounts I owed. After speaking with customer service they refused to give me a straight answer as to why all of my payments have not been paid to the principal amount for the entire year I have had this loan. I feel they prey on consumers with bad credit and or bankruptcy 's in which they charge the maximum interest rate of 24.99 % and expect the consumer to miraculously pay off this god forsaken interest rate.
Consumer complaint received 2016-10-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (WA)

Reserved an suv rental car at XXXX of XXXX in XXXX 2016. Upon arrival to pickup rental car, XXXX had run out of vehicles and had to fetch anything from another lot. After departing the lot, I realized the vehicle had some mechanical issues. Whenever I let my foot off gas it stalled- This caused me to almost get in a collision while merging on the freeway. I was close to my hotel so parked the vehicle and called/emailed XXXX to get a replacement as I was scared to drive the vehicle as I felt it was unsafe. XXXX did not respond during rental period. I had to take alternate transportation ( XXXX ) instead and provided receipts to both XXXX and my bank wells fargo. ( car rental was paid with wells fargo debit card so I disputed transaction ) Upon time to return the vehicle no one had contacted me so I drove straight back to rental facility. When I returned the vehicle, I told attendant about the problem. XXXX contacted me after my return home and offered a free one day rental of which I told them that was unacceptable considering the vehicle was not safe.I have been issued a provisional credit by wells fargo but they havent taken any action on a permanent decision
Consumer complaint received 2016-10-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.M. Galicia, Inc. (GA)

I do n't know who this company is I do n't owe anyone XXXX I am requesting a full payment history. A signed copy of my contract. If you do n't have a copy of the contract remove this from my credit. 
Account number XXXX that 's all they gave me
Consumer complaint received 2016-10-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

Since filing a complaint with you against ALLY Financial on XXXX XXXX case number XXXX I have received another XXXX collection calls from ALLY. I received 4 calls just today. I spoke with the collections rep after the 1st call today and explained my situation. They called me 3 more times after the original call all in a 90 minute time frame. They called my wife cell phone as well ( twice ). I believe this could be considered harassment. ALLY called me the day after I filed the original complaint and said they were investigating. PLEASE PLEASE PLEASE help me -- 6 calls just today
Consumer complaint received 2016-10-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tormey Bewley Corporation (NM)

I was covered under my insurance at ten to these details were incurred. Because the bills were not sent in a timely fashion, and because I retired and acquired a different retiree policy, the invoices were not paid. I am willing to pay the original fee without the interest and late fees, but have not been contacted by the collection agency.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

As per my Equifax confirmation number Confirmation # : XXXX, I had XXXX negative account. XXXX inquiries and no public records. Today I look at my report and there are XXXX negative items, XXXX inquiries and XXXX public record. This information was previously no present on my report. 
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the XXXX accounts listed were not included in my bankruptcy. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the bankruptcy from my file as well as the instant inquiries and negative items which are reported inaccurately. 
I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Consumer complaint received 2016-10-29
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP (FL)

I had a 3 year lease with Honda Financial ; completed in XXXX XXXX. Every payment was paid in full on time ; never missed. 
Car was in accident the beginning of XXXX ; which turned into a " total loss '' Insurance Company sent Honda Financial insurance check beginning of XXXX. 
Honda assessed an {$1800.00} balance ; consisting of {$500.00} insurance deductible and " excess mileage '' In meantime, Honda Financial sent an " estimate '' - not a bill for breakdown of total. 
Honda began their calls with a demand of payment in full or my " they '' would report to credit bureau. I did not receive a bill yet, and when " Collector '' verified what the letter was to state ; was n't due yet. 
I have since sent {$500.00} for deductible and made arrangements to pay balance in XXXX installments ; ending XXXX XXXX. 
I continuously receive calls for payment 4 times a day, including today, Saturday. 
I have asked for " Caller '' to read the arrangement in the notes ; stop calling and asked for Supervisor. 
I am told not Supervisor is available, a request will be submitted on my behalf, I have been hung up on after repeating same request. 
In addition, each call begins with ... '' What is your DOB and address to verify we 're speaking with correct person '' - Meanwhile, this is an incoming call - who gives out information on incoming calls? 
I just want Honda Financial to stop calling multiple times a day. I did the right thing and made arrangements ( outside another issue that I do n't know why I am paying Honda for excess mileage on a totaled vehicle ).
Consumer complaint received 2016-10-29
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (NM)

Turned in XXXX XXXX XXXX that was on lease in exchange for a new XXXX XXXX XXXX lease. XXXX XXXX XXXX Agreement with dealer included pay-off of XXXX XXXX XXXX Unpaid Lease Balance. For over 30 days GM Financial Lease has refused to remove the XXXX Lease from my account, pending settlement with the dealer. I am now past due, being assessed late fees and threatened with negative reporting to credit bureaus. My credit history will be damaged by XXXX XXXX if GM Financial does not settle and close my lease account on the XXXX XXXX XXXX.
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (CA)

The credit bureau Experian refuses to process my dispute letters. There is incorrect information on my report that doesnt comply with the Metro 2 reporting compliance standard. They claim that my dispute letters are in a format that appears to not be from me after receiving documents attached that verify my identity and me verifying that is me sending the letters over the phone.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (GA)

I 've notified the company numerous times, that I did n't owe this bill. I complained to the bbb and diversified consultants, stated they would remove it from my credit files, but as of today it 's still showing on my report. This was a result of Fraud, I live in Georgia. This bill happened in Florida.