davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-14
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: DISCOVER BANK (FL)

Discover you are in violation of the Gramm Leach Bliley Act by law before sharing my information you must give me the opportunity to exercise my opt out notice You ( Discover ) did not disclose this information to me that is required by law. 
Discover knowing and willfully withheld information regarding the disclosure of my information to affiliated and non affiliated third parties. Discover knowingly and willfully withheld information that explain how I the consumer can exercise that non disclosure option You have 10 days to delete this account # XXXX from all credit reporting agencies and please be aware Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. 

Im not asking to provide me with a statement or terms and agreement Im asking to provide me with my opt out notice and private policy notice or delete this account immediately from my account
Consumer complaint received 2023-11-21
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: Incomm Holdings Inc. (CA)

Bought two Vanilla Visa Card and the XXXX XXXX didn't work. Requested replacements but did not get updates. XXXX XXXX XXXX XXXX XXXX very bad.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

I had a promotional offer that expired on XX/XX/2023 which was only used for my daughter braces. I contacted them on XX/XX/2023 to pay off the original balance of about {$1600.00}. I can not afford to pay estimate {$1900.00} in interest. at a rate of 29.9 %. 
ACCOUNT # XXXX. 
Synchrony /Care credit Thank you.
Consumer complaint received 2024-01-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (LA)

I was never late or missed any payments until I fell into a financial situation where my hours at work was reduced and income changed to decrease I tried to contact the XXXX XXXX tower loan when I spoke to XXXX XXXX he stated that if I don't have the payment in by XX/XX/2024 at XXXX XXXX he will proceed legal action in court I tried to explain my situation but he constantly kept calling leaving harassment messages. I always tried to make my payment to avoid repro or taken to Court I asking could you please help me in this matter or I will find a lawyer who will. Phone # XXXX
Consumer complaint received 2017-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (GA)

After XXXX hit XXXX, My father and I were informed that a new flood insurance was issued for our property for XX/XX/XXXX thru XX/XX/XXXX. We informed Shellpoint ( a mortgage managing company for New Penn Financial ) that we would not have gotten the loan in XX/XX/XXXX if we were not covered with Flood Insurance. Later my father and I leared we had flood insurance, but not for the period of XX/XX/XXXX thru XX/XX/XXXX. We ended up getting flood insurance from XXXX on XX/XX/XXXX, which extends through XX/XX/XXXX. I was informed by a worker named XXXX that we show flood coverage for day to date except for the period of XX/XX/XXXX-XX/XX/XXXX. If they wish us to pay for that period they could have requested the payment or add it on the mortgage as stated in the Deed agreement on record at the XXXX County Court House ( pg.5 of 14, # 5, Property Insurance ). Instead, Shellpoint set up an escrow account for taxes and insurance we have already paid. When we spoke to an attorney, she suggested that we make a complaint to the CFPB. I am tired of harrasment calls of being late with the mortgage payments. We have sent them the complete mortgage payment for principal and interest, and each month and they have the nerve to charge a late fee on the escrow payment which is not suppose to be on record. In the 11 1/2 years that the XXXX 's have owned this property, there has never been an escrow account. We informed Shellpoint that their escrow account was illegal and they would here from my lawyer, but on advise of an attorney, hearing from the Federal Government is better.
Consumer complaint received 2018-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NJ)

My car loan was serviced through GM financial on XX/XX/18. I have XXXX which is a 3rd party that pays auto loans and pays them off quicker. The company does not allow bi weekly payments, they also don't show a payment history on my account that tells me what went to interest and what goes to principal. I was told I can't see the payments the 3rd party makes on my behalf because I didn't pay them. My account shows no payments posted. I was told the only way to see my payment history and what was posted was through the monthly statements. I was told my account accrues interest everyday which was not told to me at the time of my loan signing. I was told I can't request an amortization statement. I am just being told I can't see or do anything with the account but see the basic stuff which to me is not consumer friendly especially since I am the consumer. I can never see anything that goes to what payment. I am being denied my right as a consumer to know where my money goes, and I am being denied my right as a consumer to see what is happening. To me this is a fraudulent lending practice because my loan was XXXX at the time of the loan, and now I owe them more than the original loan terms after 2 payments of XXXX has posted to the account. I know owe them XXXX. I believe I am a victim of predatory lending.
Consumer complaint received 2017-12-16
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. (FL)

I am writing this letter due to the recent credit breach. My personal information was affected by the recent credit breach, your company has been placing obsolete, inaccurate information on my credit file. I am unaware of the inaccurate accounts and inquiries listed on my credit file. The letter is attached in the file below. I have file with the FTC, I have filed a police report against your companies, also filed a lawsuit against your companies for violating my rights, placing information on my credit without my consent, defrauding my credit file placing inaccurate accounts and inquiries on my credit file to compensate money for bad inquiries and accounts. Please be advised that this isnt a threat its the final goodwill letter.
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (PA)

my name is the XXXX my biological father he is the same name sake except he is XXXX and he has used my social security number and an old license to get a XXXX Cell phone or something I am not sure for years I have been trying to get this off my record Convergent outsourcing INC they have not only lied about the debt but they have changed the name of their company and everytime they change companies or buy it from another person they add a new date as when it was closed reguardless I have a XXXX cell phone myself and I have had the same cell phone number for at the least 10 years it was opened in my XXXX by my mother under her name but the number has been the same I have tried to fight this over and over but they find ways to put it back on there I even had them on the phone XXXX verified the length of my cell phone number history and admitted it was not me but then they sold the debt to XXXX and again I stated the same and went through the process and again I was going to do it on Convergent Outsourcing INC online but it is a trick if you file a claim online you have to agree to owing the debt or knowing whos debt it is mighty slick but I am not going to do it this is not fair I cant get it off and they wont talk to me unless I admit its my debt which it is not I want them to take this off and I will not admit to owing money that I do n't even know where or when it came from but this has been a 7-8 year struggle anyway I try they switch the account once they know it is n't mine or they hang up on me after about an hour of arguing back and forth I am getting married and will not have this happen much longer so is there something you guys can do to help or do I take them to court???
Consumer complaint received 2017-03-30
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

Ally is reporting to XXXX, XXXX, and XXXX that the closed date of my account is in XX/XX/XXXX. the charge off date was in XX/XX/XXXX. The charged off account is paid. Ally continues to provide false, and misleading information to XXXX, XXXX, and XXXX regarding my account with them. I agreed to pay the disputed amount and expected accurate credit reporting.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

I have medical bills showing on my credit report that do not belong to me. I have notified Equifax, XXXX and XXXX on several different occasions. They show XXXX accounts with XXXX ( XXXX ) & ( XXXX ) as well as XXXX ( XXXX ) and XXXX medical bills that do n't even list a creditor so I have no way of contacting them. I do n't have any negative credit so these erroneous accounts are having a huge impact on my credit. I am unable to establish credit because of these accounts that do not belong to me. I have reached out to the creditors for them to provide me with any proof that this is my debt and they just ignore me. Please help me resolve this issue. My address is also being misreported. they have an address in XXXX GA that I have never lived at and my current address that I have been at for years does n't show up at all. I have sent several letters to all XXXX credit bureaus and they ignore me. I ca n't apply for credit because of it and it causes problems when applying for jobs or insurance because my address does n't match.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I tried to get my free Equifax credit report on XXXX XXXX XXXX, and when I gave all my information I get a message to call Equifax, I called them and they didnt understand why I could not get into my Equifax account, and the would let support now, I get an email saying problem was fixed and I could log in, I tried logging again and got the same problem, and was forced to call again, and still did not know what the problem was, and got another email saying problem was fixed, and still could get into my account, just back and forth.
Consumer complaint received 2024-01-14
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: EQUIFAX, INC. (FL)

I am writing to request Equifax and XXXX remove inaccurate and outdated data from my consumer report, non working Address at XXXX XXXX XXXX XXXX FL XXXX. I recently obtained a copy of my report from your company and was concerned that several errors require your attention. Delete Fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that you remove this inaccurate data from my report as soon as possible. Please make the necessary corrections to my report ASAP. 15 USC $ Permissible purpose of consumer reports 1681b. 15 u.s.c. 1681a and 15 USC 1681. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Please Delete false information from my consumer report immediately!
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (CA)

I sent a letter on XXXX to remove THESE ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The items are UNKNOWN to me, Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I wrote to TransUnion in XX/XX/XXXX to dispute an item on my credit report related to XXXX XXXX. I specifically asked them to investigate because the item appears inaccurate. They continued to report the item without sending me validation. I have followed up in XX/XX/XXXX and they still have not validated or removed the item. I provided information to them that shows the item is reported in duplicate. The collection agency has dropped the item from the report, but the original creditor is still reporting an item that is no longer theirs. It affects my creditworthiness because it makes the item appear as an active charge-off that has not been satisfied. In addition, TransUnion did not respond in a timely fashion. The other XXXX credit bureaus, XXXX and XXXX have removed the item.
Consumer complaint received 2023-11-21
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. (IL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Dear Credit Bureau, for your great work and reliability, I am writing you this letter in order to investigate again the elements named below. 
Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX XXXX Since I have not made any contract with these companies which I do not know and I have not given my consent and authorization to the distribution of my personal information, I ask you to verify all the elements truthfully and to request information where I have my signature, otherwise it should be removed from my credit report since the fair credit report law you must eliminate everything that is inaccurate and fraudulent and I respectfully ask you to be as accurate as possible to verify these negative elements.
Consumer complaint received 2024-01-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nexum Group Inc (MD)

Several attempts were made to dispute invoice XXXX. 
The last written dispute was XX/XX/2023 with the agency representing your firm. I provided a formal written dispute of the matter between XXXX XXXXXXXX XXXX XXXX vs XXXX XXXX requesting verification of the charges in the form of any SIGNED contract work orders, quotes, or statements of work expressly detailing work to be or was performed with a signature approving said work. It is my position that I did not request, sign off, or approve the services XXXX XXXXXXXX XXXX XXXXXXXX has claimed to have performed and never agreed to the charges. To date, No signed agreement acknowledging the work or fees was ever furnished. Yet, the debt was reported to the collection reporting agencies.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One offered me 4 % to click a link on their website ( under " Credits for Shopping '' ) and use my checking account to buy from XXXX. I attempted using this offer, but have yet to receive a credit from XXXX spending. 

I called to request help, but 2 different customer service reps could not tell me anything about the offer. The first rep put me on hold 4 times and then transferred me. The second one to whom I was referred told me I would need to email XXXX. I did as instructed, but was told they couldn't help me and I would need to go back to customer service. 

I suspect Capital One is making this offer very difficult to achieve and also not training their customer service on how to assist customers. I do a lot of business with them and would appreciate help or for them to stop soliciting sales on their website. 

Thank you,
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Experian continue to report incorrect address on my credit report. Following are the incorrect address : 1. XXXX XXXX XXXX, GA XXXX Note : Incorrect address, must be removed 2. XXXX XXXX XXXX XXXX XXXX GA XXXX Note : Never lived at this address, must be removed
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp. (NC)

Sent a notice of right to cure default the day after a payment was made. Given 10 days to make another payment when my payment was two days late. They have been threatening me to cure the car with no reason at all. I have 1 year left and it seems like they keep threatening to come get my car without cause and it feels very intimidating and illegal. You have people that are 60 days late.
Consumer complaint received 2017-03-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: National Judgment Recovery Center, L.P. (TX)

A Debt Collector called 'National Judgement Recovery Center , L.P ' has levied several of my accounts including my children 's checking and savings. However the XXXX XXXX for a debt is not mine, it belongs to another person with a similar name ( except that I am a XXXX. ). The XXXX XXXX was rendered in county where I currently reside in XXXX, and I was not a resident of this county until XXXX, and did not have any financial dealings in this county prior to moving here. This has caused me great distress, as I am not able to pay my bills or go to my doctors appointments.