davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I see unauthorized Hard inquiry on my credit reports : XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX
Consumer complaint received 2024-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McNeil & Meyers Asset Management Group, LLC (TX)

McNeil & Meyers Receivables Management Group LLC Is trying to collect a debt that was opened by XXXX. I did not open an account with XXXX nor did I authorize anyone to do so and I notified them certified mail on XX/XX/XXXX with confirmed delivery of receipt, that I am in dispute of the debt and invoking my rights under The FDCPA and any other applicable state laws. However I did not receive a response. On XX/XX/XXXX I sent a default notification letter certified mailing with confirmed delivery of receipt. 
However they continue to report the following incorrect information to XXXX and XXXX Credit Bureau and it needs to be removed : Balance {$2900.00} Highest Balance {$2600.00} Opened XXXX. XXXX, XXXX ( XXXX yr, XXXX mos ) Account status XXXX XXXX Unpaid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX ClosedNo Info
Consumer complaint received 2024-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXXXXXX XXXX don't provide statement for my loan. And call me every day asking for payment. My online account does not show the progress of payments, how much interest I paid. 4 months charging me a fee. How will I know how much I have to pay if I can't see my statement?
Consumer complaint received 2024-07-05
Product: Credit 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: DISCOVER BANK (VA)

XXXX XXXX XXXX failed to issue a refund to reverse the charge of {$10000.00} I sent the proof to discover and they still wouldnt remmove the charge. Telling me they believed me but they wouldnt reverse it the stupid mother fickers
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I have wells fargo checking and got frozen without notifying me. So my whole money activities are being stopped. Visited a branch but was told the bank assistant can only email but reply is not guarantee. Abdolutelyo way customer contact but wait. My account has been frozen more than half month now.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

I have encountered issues with LVNV Funding LLC for the second time. They have placed information on my credit report without providing any validation of the debt. Despite corresponding with them via email, I have not received any information from the company. Debt collectors are required to provide validation information within five days of their initial communication, either through mail or electronically. However, I have yet to receive any notices from LVNV Funding LLC. It seems that this company is not compliant with the laws and faces no penalties for their actions. According to the credit report, I opened the account in XX/XX/year>, which is false. The date provided does not indicate when the company acquired the debt ; instead, it indicates that the debt was opened in XX/XX/year>, creating a misleading impression. This is deception!
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I sent several Cease and Desist letters to said company to stop communication with me. 
To my understanding the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
Consumer complaint received 2024-07-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (IL)

In late XXXX or early XXXX a XXXX representative allowed a scammer into my account. The result of the scammer gaining access to my XXXX account was my phone number being stolen and from their access to my email was gained, then access to my bank account ( XXXX ), then access to my crypto currency account where over {$300.00} of bitcoin was taken. XXXX fix to my bitcoin being stolen, without the possibility of recovery, was to credit my account with a {$300.00} credit against my wishes. While still having around {$100.00} of credit on my account when I switched back to XXXX XXXX, I closed my XXXX account and transferred my phone number to XXXX. Upon doing this, I verified with XXXX that I still had a {$100.00} of credit on my account that I would not be able to recover, along with verifying my phone number was transferred. Around XXXX or 5 months later, I received a bill for {$78.00}. I called XXXX and was transferred through multiple departments and representatives to figure out what the {$78.00} charge was. No one could give me an answer even though I received multiple bills about every XXXX or 3 months or so. I called back everytime I received a bill in the mail and nobody could gain access to my account even though I gave them every verbal password I would have used and nobody could give me an answer about what the {$78.00} bill was for. Once they sent the amount to collection, they were also unable to tell me what this bill amount was being billed for. If they were sending out a bill, they should have been able to tell me and explain to me what it was for. I do not have a copy of the bill, nor the collection notice as I did not know this was an option.
Consumer complaint received 2024-05-05
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: General Motors Financial Company, Inc. (MI)

I was looking to purchase a car and I noticed damages on my credit report. According to the 15 U.S.C 1681 law, there should not be any damages on my report. This is a defamation to my character
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XX/XX/XXXX
Consumer complaint received 2024-07-02
Product: Credit 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: SYNCHRONY FINANCIAL (CA)

On XX/XX/year>, I bought a non-alcoholic beverage from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They did not give a receipt. When I got my credit card statement, I saw the charge is for {$41.00}. It should have been close to {$4.00}. I do not live in that area. The next time I went to that area, I asked them to reprint the receipt. They did not. I have called since them and tried to get a reprint and they are not cooperating. 

Synchrony Bank closed the dispute ( Claim ID XXXX ) with no explanation of what investigation they did and just simply saying my lack of evidence is not a valid dispute. They also implied if I reopen the dispute, it will impact my credit score. The letter is no longer available in my web portal. It only shows the details of the dispute that I entered and that it is closed. It does not show their response.
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hawk, Haynie, Kammeyer & Smith, LLP (IN)

In XXXX, I received a bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. In XXXX, a body attachment had been issued and I had been XXXX  Between XXXX there is no record of me paying anything. Which is impossible! I had been garnished several times without being acknowledged, which is why i will never work again until this is resolved. Their collection agency Hawk, Haynie, and Kammeyer, which is two floors below XXXX XXXXXXXX XXXX  had frozen my bank account last year. They threatened to take my dead fathers possessions if I didn't pay anything. The records show that in XXXX I paid them XXXX XXXX in XXXX i gave them XXXX XXXX and last year in XXXX, I gave them XXXX XXXX because of the hold on my bank account. I have all the receipts. They are saying I still owe them XXXXXXXX XXXX I have paid what I owed him twice now, and their telling me to pay it a 3rd time! Interest should only be double. I have appeared in XXXX office several times and he is never there. I left him my phone number several times and he has never called! ... .I strongly believed im being scammed.
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-19
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: R & R Collection Service, Inc. (FL)

XXXX has been non-compliant with removing the unverified account R & R COLLECTION SERVICE Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that R & R COLLECTION SERVICE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (VA)

The company recently responded that they sent me an initial demand letter on XX/XX/year>, but thats simply not true. I have pulled credit reports over the last year and it clearly stated that this account with the collection agency was opened in XX/XX/year> and thats also around the time it started appearing on my credit report. They did not provide an initial demand letter as required by law, the just placed this account on my credit report without notifying me or giving me a chance to dispute it. Ive been disputing this account since it popped up on my credit report. All the collections agency does is put a note on the account that the consumer disputes. I dont know what this is. Ive called XXXX and they also have no idea what this is for. Im a current XXXX home and mobile customer and have been for over 10 years! I was never notified by the collection agency about this debt! After reading reviews about this company Im confident this debt doesn't belong to me especially since Im still and have been a XXXX customer. This Transworld company is reporting inaccurate information across all credit bureaus and is making a negative impact on my credit. Please remove asap.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

on XXXX XX/XX/year> I received a Notice of Entry for a court day hearing on XXXX XX/XX/year>. However, I was never informed of this debt from LVNV Funding. I have no idea who they are or what debt they are claiming to be owed. They have never talked to me about owing a debt and I have never had an opportunity to dispute this debt or appeal the decision of this debt. The first and only notice of this alleged debt is a court date that does not state how much money is allegedly owed. Who they are and how they came about this alleged debt. They have provided me with no information about this debt at all. 

The company name is LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2024-07-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP (MA)

I am trying to have my PMI removed from my loan since the value of my house has almost doubled from the price I paid. I have never been late early if anything. 
They are sending a letter trying explain that I can not have it removed
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a natural person, I have the right under 15 USC 1681.

Equifax is govern by USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did NOT give Equifax written permission to furnish these accounts! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we did not agree upon and i didnt sign any agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which makes it unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights
Consumer complaint received 2024-07-01
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: SANTANDER HOLDINGS USA, INC. (AL)

I requested XXXX Request to be Applied- Under the By-Laws of State of Louisiana XXXXService Relief Act. 
I requested XX/XX/XXXX and was told I did not provide the correct documentation to show active duty status. 
I resubmitted - and have not received the Service Relief Act -by law under the Louisiana State Specific State Laws . 
The following email was sent as well as all attachments to show my husband is XXXX XXXX and has been XXXX  in the military for XXXX  years. 

By law, all creditors have to follow SCRA-as well state specific SCRA benefits or provide evidence that by doing so would financially hurt your company, and there would be documentation and supportation needed to be provided to Federal Courts- to support.
Consumer complaint received 2018-12-19
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. (FL)

On XX/XX/XXXX I tried to dispute the following inquiries with Experian. These are non authorized inquiries. They wont let me dispute these inquiries online or over the phone. I want Experian to conduct a full investigation on these non authorized inquiries. I would also ask for Experian to delete these inquiries if they cant be verified in the 30days allowed by law. Per FCRA. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: PayActiv, Inc. (NV)

On XX/XX/XXXX I cashed out my earned wages twice on this day. Once for {$87.00} with a {$2.00} fee and once for {$35.00} with a {$2.00} fee. I did not have a plastic card to this account my wages were transferred from but the company says hey we have a digital card you can use till your physical card arrives. I tried to add the digital card to my bank and to cash app and no one is accepting it and I am getting an error the card info is wrong. Every debit card I attempt to add to transfer the funds too it gives error saying my expiry is wrong on five debit cards. I contact the company via chat and am told a ticket was being submitted about this and the issue should be fixed within 48 hours. 48 hours later issue still not fixed. I was able to use the pay a friend feature this one and only time with one co worker for {$60.00} and that feature has not worked since. This same coworker has funds that have been paid back to this company that we accessed almost three weeks ago we can not access. So my coworker shows me a conversation of this company telling her their debit card and system is having issues it should be fixed asap. Well it has been a week later. The money advance I cashed out initially has been paid back by my paycheck on XX/XX/XXXX. So on XX/XX/XXXX I contact the company after I receive the physical debit card. The card is declined everywhere I try to use it. This company says the same thang it said to my coworker a week prior. That the issue with cards and transfers is being fixed asap. This is disgusting.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (WY)

In XX/XX/year>, Is selected my 5 % cashback rewards for the following quarter of XXXX XXXX and XX/XX/year>. My 5 % cashback for rewards were television and XXXX. 

In XXXX, I received my 5 % Cash Rewards for charges made to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I earned a 5 % cash reward of {$15.00}. 

In XXXX, I made the following purchases. 
XXXX {$49.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$60.00} The total of these purchases was {$300.00}. 
My 5 % XXXX reward shouldve been {$15.00}. 
Instead, I only received {$3.00}. This was a 1 % cash reward instead of a 5 %. 

In XXXX, I earned 5 % Cash Rewards on purchases from the identical companies listed above. 
XXXX, XXXX if XXXX and XXXX XXXX XXXX. 

I went to the local bank branch and talked to my banker about why I had not received 5 % Cash Rewards in XXXX. She called her contact and the credit card company and my banker called me back several days later. She was told that my 5 % rewards should be on my statement the end of XXXX. However, they were not. I only received 1 % Cash Rewards back for the month of XXXX. 
I called the credit card company and discussed the problem with them. They said they would get back with me in several weeks. I received a letter from them two days ago, which I have attached. They claimed that I did not enroll in my category selections until after my charges were made XX/XX/XXXX. My category selections were not activated until XX/XX/XXXX. This was very perplexing to me as I had activated the cash back quarter selections in XX/XX/year>. I also had received 5 % Cash Rewards in XXXX. Yet they told me that I did not activate my quarterly categories until XXXX. 
I think I can explain the confusion. After I made my category purchases on XX/XX/XXXX, I received an email from the credit card company. The email advised me to activate my cash back categories for XXXX, XXXX and XXXX of XXXX 
I was very perplexed by this because I had already activated my categories in XXXX. 
To prove this, You can see that I had already received my 5 % Cash Rewards in ApriI! I just assumed that some sort of error had been made on the part of the bank. So I went ahead and clicked on the link to get into the credit card website. It looked like my cashback rewards for the months of XXXX XXXX, and XXXX had been selected and already locked. So why did they send me an email telling me that I needed to select my categories again? I went ahead and selected my categories again and locked my selection. I am enclosing an email that the bank sent me dated XX/XX/year> confirming my category selection. 
It was because the bank sent me an email in XXXX telling me to make my cash reward categories selection for the months of XXXX, XXXX, and XXXX that caused this confusion.
Consumer complaint received 2024-06-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I purchased a car from XXXX XXXX XXXX in XXXX New York for the sum of XXXX at signing I have XXXX XXXX XXXX XXXXXXXX dollars and the loan to pay off was XXXX it was financed with Credit Acceptance XXXX  with a 5 yr loan 72month agreement in total as a consumer I have paid XXXX in cash to this financial lender what is left out of XXXX is XXXX in total for a payoff at the end of the financial term ending the financial lender became aggressive with double fees and and damaging the credit rating of the consumer after Covid 19 pandemic then maliciously prevented me as consumer from trading the property to get a better interest rate by secretly conspiring with law enforcement agencies to apprehend the property from me even though as a consumer I payed half of the principal amount of the loan even though credit acceptance didnt take or have consumer option of liquid amount to be disclosed towards the principal or interest the lender took upon themselves to take the greater amount towards the interest instead of principal this is a ambiguous financial violation of consumer rights this lender is only maliciously tying to tarnish a consumer right and deprive of liberty due financial agreement its fraud no lender can deprive or sabatage base upon interest or debt owned if consumer has paid more then 50 percent of the loan the lender has never updated consumer credit report with accurate information since 2019