davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (TX)

I am writing to formally file a complaint regarding the charges and fees applied to my account following the total loss of my vehicle in a hit-and-run accident. Below are the key details of my situation : Notification and Updates : I promptly notified all relevant parties, including my insurance and finance company, immediately after the loss of my vehicle. I kept them up to date with the status of the case throughout the process.

Insurance and Gap Coverage : I had both insurance and gap coverage, which eventually paid out. However, the payout process took over XXXX months. 

Payment Suspension : During this period, I did not make any payments, believing that the situation was being handled appropriately through my insurance and gap coverage. 

Despite my efforts to communicate and the eventual payout from my insurance and gap coverage, my finance company charged me late fees and applied the payments to the principal amount. As a result, they now claim that I owe additional money.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC is threatening me saying I owe them when I never did any business with them or signed any contract with them so right now it's just pure harassment in their end please remove them from any of my credit reports
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Hello, My name is XXXX XXXX. I am writing to you guys because Resurgent/LVNV funding is reporting inaccurately to my credit report. 
They are attempting to collect a debt that is not mine and reporting that debt as a collection on my credit report. 
The debt is not mine and therefore, they are inaccurately reporting to the XXXX credit bureaus. 
Please have them remove this account as soon as possible, they are hindering my ability to obtain a car/house. 
It's not fair that I have to go through this, they haven't even validated the debt. 

Please have them fix this as soon as possible. Thank you.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

When checking credit report I found an account from XXXX XXXX XXXX that I did not authorized. I was informed that it was sent to LVNV funding for collection. I did an ftc affidavit stating I was a victim of identity theft.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BMO Bank, N.A. (IL)

Since XXXX  2024, XXXX/BMO has been reporting that home equity loan has been paid XXXX  days late. It has definitely not. The payment due date is the XXXX. While the loan has been paid late, it has NEVER been XXXX  days late. The servicer DOES NOT give credit on the dates payments have been made. When payments are made at the branch, it takes XXXX days to update on the servicer 's system. Proof of payments are attached. Additionally, a dispute was submitted in writing on XX/XX/XXXX. On XX/XX/XXXX, BMO sent a letter requesting an additional XXXX  days. It is now XX/XX/XXXX and there has not been a resolution or disclosure of their findings.
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/year>, I responded to a 0 % balance transfer offer on my Barclays, XXXX Credit Card. In order to transfer all my balances to the low rate, I requested a credit line increase which was approved. 

I proceeded on XXXX and XXXX to request XXXX balance transfer ( {$1500.00}, {$10000.00} and {$11000.00} ) via Barclays website. I successfully passed all authentication, provided the balance transfer details and was presented digital messaging indicating my transfers were successfully captured and would take XXXX days to process. I could also see pending authorizations for each amount on my account. 

The week of XXXX I monitored my account, confirming the authorization were still there believing the balance transfers would be processed. 

XX/XX/year> via the Barclays mobile app, I noticed XXXX of the balance transfer authorizations not longer appeared. 

I called Barclays customer service the morning of XX/XX/year> and spoke to XXXX in the 'Security ' department. He confirmed all my profile information ( name, address, phone number and email ) on the account was correct and informed me that all three of the transfers had been cancelled but could not tell me why. 

I was then transferred to XXXX, an Account Specialist. He indicated yes, the transfers were cancelled due to security concerns. He could/would not address when there was ZERO communication back to me regarding the cancellation of the transfers. 

I received no phone call, no email, no letter. Had I not been monitoring the account, I would have not found out the transfers were not being processed until my next monthly statements on the other accounts. 

In addition, when I went back into Barclays website to looking at Balance Transfer offers available to me- there were NONE even though the offer I responded to was valid until early XXXX. 

During the course of the phone call, I requested the name of the president of Barclays. The agent I spoke with responded that it is their policy to not provide this information or how to raise a complaint to executives. 

Due to the poor customer experience, lack of information and the perception of bait and switch, I closed my XXXX XXXX and will do business with another company. 

I firmly believe the cancellation was a method to not honor the 0 % offer.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.
Consumer complaint received 2023-07-18
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. (NV)

Recently I disputed a fraudulent account on my Experian credit report that came back with a remain result. This account has the following information : XXXX XXXX  Account number XXXX OPENED XX/XX/XXXX by a XXXX  XXXX XXXX. This account was charged off with {$1100.00} written off however showing {$420.00} past due. It shows a balance of {$1100.00}. This account also shows to be a charge off as off XXXX of XXXX. Then continues to be updated every single month as a charge off. I have attached photos to show this account in illegal reporting information. Per the law this account is not to be reported on my credit profile as it has been reported as a fraud account. This account can not be reported as a charge off more than once unless the payment status actually changes. The account shows a balance that was fully written off yet shows a past due balance. The credit reporting agency can clearly see that this information is incorrect and continues to report this account.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I was told by a representative on a recorded call on my end after my consecutive payments in their financial plan my late fees and late payments would be removed from my credit report. I am deeply saddened this wasnt the case. 

I hope this letter finds you well. I am writing to discuss my recent credit history with your company, specifically the late payments reported on my account from XX/XX/year> to XX/XX/year> XXXX Payments. 



I take full responsibility for my actions and sincerely apologize for any inconvenience this may have caused. Unfortunately, during this time, I was severely ill and without any source of income. This unforeseen circumstance severely impacted my ability to meet my financial obligations, including my credit card payments. 



Since recovering, I have made consistent efforts to get back on track and have ensured all subsequent payments are made on time. I am committed to maintaining a positive credit history and have taken significant steps to manage my finances responsibly. 



These late payments are currently affecting my credit score and hindering my ability to secure a mortgage loan to purchase a house for my family. As this home is crucial for our stability and future, I am humbly requesting a goodwill adjustment to remove the late payments from my credit report. 



I deeply appreciate your understanding and consideration in this matter. Your support in this difficult time would mean a great deal to me and my family. Thank you for your time and assistance.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies (TX)

XXXX XXXX is reporting different information across all three bureaus, indicating an inaccuracy. I had this vehicle for over XXXX years, and it was considered totaled almost XXXX years ago, yet it was still drivable. The gap insurance covered it, but I never received proof of the sale. They continue to report this without providing documentation for the amount.
Consumer complaint received 2024-08-09
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. (MN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

USAA is reporting a debt on my credit file that I do not owe. I recently had my credit pulled and was notified that USAA is still reporting a balance on an account that I paid off months ago. This debt has been settled in full and needs to be removed from my credit file. This account is causing my home buying process to be delayed and it shouldn't be a deragotaroy account anymore. This needs to fixed ASAP!
Consumer complaint received 2024-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (KS)

On XX/XX/year>, I suffered an XXXX XXXX. I went to the XXXX XXXX XXXX 's ER, where I received very bad medical attention and was sent home in the same condition that I arrived. Afterward, they sent me a bill for {$850.00} that I paid through their OWN system on XX/XX/year>. Please see Attachment XXXX, with the receipt from XXXX XXXX XXXX which is the hospital 's system to make electronic payments. Also, please check Attachment XXXX, where my insurance immediately paid their part of the bill. 

However, it seems that XXXX XXXX XXXX regularly sells or shares information about people who have pending bills with different collection agencies. It doesn't matter if the debt is due by a week, a month, or a year. They sent the personal information to the collectors. Those collection agencies then ( at least three in my case ) started to harass the patients by sending letters to their houses threatening to create a negative credit report. Even after you have paid the debt, the collecting agencies continue sending correspondence without verifying the payment status with the hospital. What is more unfortunate, is that those collection agencies increase 10 or 15 % the amount of the bill that " you are supposed to pay '', which is clearly a scam. Please check the last letter from a collector I received this week attachment 3, with an arbitrary increase in the amount of money that " I suppose own to the Hospital. '' It's a shame that I've trashed all the other letters from other collector agencies I got in my house after confirming with the hospital that I don't have any debt with them. 

After three attempts from different companies to collect money I don't own, I consider this should stop. This is abuse and harassment.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

Lexis Nexis XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Subject : Opt-Out Request Under Privacy Act of 1974, Fair Debt Collection Practices Act, and Fair Credit Reporting Act To Whomever It May Concern - Dear Sir/Madam, I am writing to demand that my personal information be removed from your databases and that I be opted out of any and all future data sharing and reporting activities as permitted under the Privacy Act of 1974, the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ). 

Under the Privacy Act of 1974, I have the right to request the removal of my personal information from databases and to prevent its disclosure to third parties without my explicit consent. Furthermore, the FDCPA and the FCRA afford me specific rights regarding the collection, use, and dissemination of my credit information. These rights include, but are not limited to, the ability to opt out of any and all reporting and data-sharing activities. 
Therefore, I am requesting the following actions be taken immediately : 1. Remove all my personal information from your databases.

2. Cease any future collection, use, or dissemination of my personal information.

3. Provide written confirmation that these actions have been completed.

Please treat this letter as a formal request under the Privacy Act of 1974, the FDCPA, and the FCRA. I expect to receive a response within 30 days from the date of this letter as stipulated by federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX The Aggrieved Consumer
Consumer complaint received 2024-07-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

Received a {$500.00} American Express gift card as a gift. Everywhere Ive tried to use it, its declined. However, everyone I try to use it, {$.00} is deducted from the balance.
Consumer complaint received 2024-07-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Robinson Economic Development Corporation (NV)

This company gives predatory loans, the interest is so high that even with making your payments every XXXX weeks and in time you do not make a dent in uour debt. They take advantage of those in need of a short term loan then make it impossible for that debt to be fully prepaid. Do not take a loan out with this company.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> Re : Account Number XXXX Dear Wells Fargo, I hope this letter finds you well. I am writing to request a goodwill adjustment for my Wells Fargo ( Account XXXX : XXXX ), which has been paid off in full.

Due to Covid-19 pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a medical emergency as I was exposed to the virus and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused.

I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward.

I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms.

Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX. 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (MI)

I initially contacted Sony on XX/XX/year> at XXXX about being unable to order anything off the Sony Rewards app or the website. When calling in, the Phone Representative was not able to order anything either. We updated all information on my accounts to see if that would work, but the issue remained. The phone representative submitted a case for the problem and told me it would likely take less than a week to fix. I reached back out via the support page on the website asking for an update and got a reply on XX/XX/year> saying the issue was still being worked on again I emailed and got the same response on XX/XX/year>. The XXXX time I emailed I got a reply on XX/XX/year> telling me to call in for an update so I did on XX/XX/year> when I was told again that the account was still being worked on. It has been over XXXX days since initial contact and the issue remains unresolved.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NV)

XX/XX/year> I applied for an checking account with a bank and was denied access to account by company. Company sent a email to I about a consumer report against given name when I have never used correct name before this year and I learned what name stands for this year. Before I was under sabotage. The State issued I a perfect credit file at birth with attached aged liquor company 's of XXXX XXXX XXXX and early warning LLC company refuses to allow customer to use birth given name and surname to acquire bank account and associates a sabotage name forged of social security number signature and wrote a false report against customer. Company uses military XXXX  XXXX  technology to interfere with customer and bank whom is a clear creole person.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (WA)

My wallet and phone were stolen we had personal information on it anything they needed to pretty much use my cards or phone or whatever change passwords a bunch of things I filed a police report because they PayPal had asked me to they then told me That they don't accept a police report I have called several several times talk to several several several different people they reopen my account then close it again not even an hour later and I had been permanently limited to using it I didn't have access to the funds after filing claims for unauthorized use for fraudulent activity they have put me on hold hung up on me for hours they poorly treated me very poorly They didn't seem to even want to help they told me if I did this or did that and provide them with this that they would do you know whatever and and do their part which they didn't I had been laughed at hung up on put on hold for hours They finally were able to open my account it was asking me to verify me verified a verification process which I had gotten verified a couple of different times on each time I clicked on something then all of a sudden it won't let me go through with anything not even a transfer not even a debit card nothing I know the decision is on their security team so I don't know why I was accepted at first several times of doing it and now it's not in every way possible from face scan to ID to email to phone number you name it I did it I called and talked to people a bunch of people that kept giving me the run around kept hanging up on me I feel I was poorly treated and profiled and I've not taken serious and I think they do this a lot to a lot of people and I think they've getting away with it for too long and I think now 's the time that they really take responsibility for their action It's a lot more in more to discuss it's just very long and I don't know how to explain it
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (IL)

There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc report.