davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: General Motors Financial Company, Inc. (VA)

I signed the loan agreement at the dealership XXXX XXXX  in XXXX XXXX a private car dealer on Sat XX/XX/year> and took my application of credit, he tried with couple banks without success, and got an approval from Americredit financial ( GM FINANCIAL company. The dealer used pressure tactics when I was ready and somehow used pressure tactics for me to sign the contract when I was not ready. However since I signed the contract they said now I have to drive off the vehicle and the lender has approved my deal. Over the weekend I thought about it that interest rate is very high at 14.50 % and I will not be able to afford it its not for me so I contacted the dealership and spoke with the General Sales Manager XXXX and explained him the situation by physical went to the dealership and told him Im not ok with it and I will not be able to afford it please do something and return it as Im within the time period of cooling off with you and the lender. He verbally told me that he bumped up my salary to XXXX from XXXX which of course I was not aware of and it was a moment of shock for me and thats how I thought how was I approved and without income verification, GM financial - Americredit Finacial approved my deal without my consent of salary information and XXXX the GSM manipulated my salary information without my consent and got the deal approved. When the dealer refused to cancel the deal and contacting the bank to cancel it, I contacted Americredit directly 3 times to ensure Im within the time frame and cancel the deal as Im within my right of rescission period and explained the whole situation with the question, that how did you all approve my deal without verifying my information with me? When the dealer bumped up my salary and you all are involved it and requested to cancel the finding immediately. Americredit immediately took action yesterday Wednesday XX/XX/XXXX and finally returned the deal back to the dealer and asked me to return the vehicle. 

The reference number for the returned deal is XXXX. I have already contacted the dealer and asked the bank to confirm that Im under no obligation to pay anything to them and they confirmed it back to me. I want to make sure that dealer should take the car back without any issues causing me no further inconvenience as Ive already have gone through lots of mental stress because of this situation. Theyre not representing the right lending practices and must be held accountable. 

Thanks,
Consumer complaint received 2024-05-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NJ)

I have been advised that I had a delinquent account with XXXX, I called XXXX, they sent me to a brick & mortar store I went there and was advised I do not have an account with XXXX. I had an account with XXXX but it was a business account, and it may have been bought by XXXX but nobody could confirm the account or the debt or when was the debt acquired. My XXXX account was a business account for the law firm and closed with a {$0.00} balance. I do not have XXXX had them for 6 months and ported my account over to the cable company, it should be noted an account will not be ported over if it has an outstanding balance, thus I could not have ported my account to XXXX if there was a balance. I have repeatedly requested validation of the debt as per the FDCPA, no validation or information has been provided for XXXX XXXX but they have tapped my credit report.
Consumer complaint received 2024-05-09
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc (MD)

In XX/XX/2023, I responded to an offer from XXXX XXXX for internet and television service at my home. The technician eventually came to my home, after the fiber optic line had been installed to the outside of my home. 

Upon arrival, the technician cut the cable that had been providing my service from XXXX. He then came in and attempted to install the XXXX modem inside my home but could not get a signal necessary to provide service. He offered to come back but I explained that I would be on vacation for XXXX weeks and the dates he provided wouldn't work for me. He told me to leave the equipment and the signal issue would be repaired remotely and should be working when I returned XXXX weeks later. At this point, I was not aware the technician had cut my XXXX line. I had to call XXXX back and have a technician come out to repair the cut line, which he did haphazardly. 

When I returned from vacation, I noticed green lights on the modem and assumed there was a good signal. When I called XXXX to activate service, the price I was originally quoted was not the price I was given during activation, so I told the agent I was not interested, and they could come pick the box up. I was then told that I needed to mail the box back in, so I agreed and was sent return instructions on XXXX XX/XX/2023. I returned the equipment, and it was received on XXXX XX/XX/2023. 

Regarding the alleged past due balance of {$24.00}, I am not sure what XXXX was trying to charge me for since I never had service activated. In fact, I was on vacation the first XXXX weeks of XXXX and did not attempt to active service until after XXXX XX/XX/2023. Another error I noticed is a charge for {$7.00}. XXXX for XXXX XXXX XXXX when the itemized bill clearly states that amount as a, " multi product discount ''. Finally, the {$90.00} phone equipment charge relates to the equipment that was clearly returned and received by XXXX. 

I have made numerous attempts to resolve this issue with XXXX and have spoken to agents there via phone at least XXXX times. Each time I was assured the issue would be handled and that I would receive a return phone call verifying it was addressed. This never happened. 

XXXX final comment I have is that I am now being harassed by the collection company. I received a call at XXXX this morning ( XXXX XXXX ) from phone number XXXX, during which a rude agent attempted to collect this alleged debt. My dispute letter, which I downloaded from this website, clearly stated that I was not to be contacted. 

Thank you for looking into this issue for me.
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

In XXXX I went with to ask about a trade in phone to get a service. They tried to sell me a XXXX tower and a cell phone. I decline and the lady said nothing went thru, XXXX months later I started receiving a bill from XXXX, I went to their location in the XXXX XXXX, one of the employee verified that I do t have a cellphone or service with t-mobile. 
Now I am receiving a debt collection for the amount of {$260.00}. This is a debt I never signed up for.
Consumer complaint received 2024-05-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

Attempted to make payment on my XXXX XXXX card. Could not log in to website to make payment on time ( XXXX XXXXXXXX ). Called phone number, could not get through to agent, was told by recording there is a fre to pay over phone. Was able to make payment several hours later when website was working again. Charged {$30.00} late fee for paying on due date but after their arbitrary cut off time designed to maximize late fees. I called customer service back and the woman acknowledged that there was an outage and agreed too refund the late fee. I checked my account days later and only {$15.00} was refunded. I called back and was refused a full refund, rep stated I should have paid by phone. Rude and condescending as was the supervisor. Seems like extremely predatory practice.
Consumer complaint received 2024-05-09
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: AMERICAN EXPRESS COMPANY (MI)

I noticed some hard inquiries on my credit report that i did not respond or authorized and i would like them removed from my credit report this is from XXXX i had XXXX hard inquiries that i didnt authorize XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX Inquiry date XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX Inquiry XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX Amex Inquiry date XXXX XXXX  XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX  Inquiry date XXXX
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (OH)

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. Upon reviewing my credit report dated XX/XX/year>, I have identified several instances of inaccurate personal information that require immediate correction : Outdated and Inaccurate Information : Additionally, the report includes outdated information such as old addresses, phone numbers, misspelled names and inaccurate personal information which is no longer relevant to my current financial standing. 

As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.
Consumer complaint received 2020-08-01
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. (IL)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX 


My correct address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 There was an inaccurate reporting on my credit report XXXX I already file a dispute on this last XX/XX/XXXX and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.
Consumer complaint received 2024-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Hello, I am a recipient of the XXXX XXXX XXXX XXXX recently announced by the Biden Administration earlier this month. As one who qualifies for this discharge, my FFELP/federal loans with Navient are supposed to be paused until they can be discharged.

However, they remain in repayment, and I'm receiving calls and emails about missed payments. I've emailed Navient 's customer service about this issue, but I have yet to receive a response.

I have been assured that my FFELP loans should be on hold, but Navient 's silence on the issue has caused me a great deal of stress. 

Furthermore, I am a post-class member of the XXXX XXXX XXXXXXXX lawsuit, which determined that students who attended the XXXX XXXX ( and/or other schools on their list of fraudulent for-profit institutions ) would receive a discharge of all federal loans, including federally backed loans such as FFELP and FFEL. As a post-class member, my loans should have been placed on hold upon my borrower defense application 's acceptance in XXXX Navient has not acknowledged this application nor the terms that should have applied.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX under 18 U.S.C. XXXX any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I applied to a Hilton Honors Amex card on XX/XX/2023 and have a card opening offer of XXXX hilton points + XXXX free night. See a screenshot of the offer attached. However, I only received XXXX hilton points + XXXX free night upon completion of my opening bonus requirements. I contacted both Hilton and American Express since XX/XX/2023 and can share all the case numbers and history. Hilton also helped me contact American Express multiple times. American Express continued to refuse to acknowledge that my offer was XXXX and my cases were rejected. Other Amex customers said this has happened to them as well so this does not appear to be a one-off incident. Note that my bonus offer was not a special/referral offer only available to myself but was a promotional period offer Amex provides to most eligible applicants during that time frame. Therefore, this should be easy to verify if Amex is willing to look into their opening bonus offer history.
Consumer complaint received 2024-05-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (FL)

I paid the debt of my credit card 6 years ago and the debt collector sent me letters several times harassment with strong words about lawyers and was cited at the court 3 times year 2021 because they don't have my payments.The judge sew my payments and the lawyer that was represented to the debt collection company ( not the bank ) he was the lawyer of debt collector company, said : apologize XXXX XXXX because we don't knew these information. The details and decision of the judge was clear and dismissed the case because the judge sew my payments and was angry with the collector agency lawyer. I sent XXXX letters to the credit report ( XXXX XXXX and XXXX ) explain this with a copy of the judge sentence and requested that was removed from my account. They can't make something about that. 
My credit report each month yet report these like delinquent. This situation is damaging my credit with false report from the other debt collection company with the same amount and problem but now is a new debt collector. This is an abuse is harassment and I have a strong desease and this situation is affecting my life.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a check in the amount of {$9500.00} through the Bank of America ATM on XX/XX/24 and I was notified that a hold would be placed on the check until XX/XX/24 until funds could be verified. However, on the following day XX/XX/24 when I tried to access my existing funds in my account by using my ATM debit card, my card had been blocked. When I called the Bank to inquire why my debit card was being blocked I was told that my account had been referred over to Risk Management for account closure and that I would have to talk with them for further details. When I finally spoke with someone from Risk Management they were extremely rude and treated me like I had done something wrong and like I was a criminal or something. Anyway they were not very forthcoming as to why they were closing my account suddenly like this and without warning. When I pressed them for more information they finally said that it had something to do with the {$9500.00} check that I had deposited the day before on XXXX via the ATM. I continued to pressed them for more information about the check and I told them that I was aware that the check was placed on hold until XX/XX/24 pending verification of funds before funds were made available, but at that moment the Risk Management agent much to my surprise said that the check was counterfeit which I know was a boldface lie. They had not even started to verify the funds yet and I told them that was impossible and that they just needed to do their job and verify the funds for the check and stop blocking my ATM debit card so that I could access my existing funds so that I could live my life and buy groceries, put gas in my vehicle and pay other normal living expenses. They just flat out didn't care about the financial hardship this was imposing on me and my family. They just simply said that closure of my account was final and that I would receive a check in the mail once the account closure process was complete. The XXXX was non-committal on how long this would take and hold long my funds would be tied up or frozen. As of the date of this complaint XX/XX/24 access to the funds in my account still remains unavailable to me and if it hadn't been for the grace and favor of some valued friends and family loaning us money we would not have been able to put food on the table or put gas in tihe car to run critical errands or go to work and many other encumbrances too numerous to mention here. I want Bank of America to immediately restore my account provide access to all of my funds in my account as well as complete the verification of funds for the {$9500.00} check that I deposited and make those funds fully available to me.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (MA)

Where can I send screenshots? I opened the account on XX/XX/2023. I have emails on XX/XX/2023. XX/XX/2023 and XX/XX/2023 about XXXX emails explaining how XXXX XXXX made a mistake on my promo code and that it was his fault and before we signed up at the bank we were told by XXXX XXXX that he will honor the promo. He lied and I have not yet received the promo and they denied it again knowing it is wrong and illegal. XXXX the supervisor denied it and did not care and I told her I have tangible evidence of screenshots that can prove Im not lying and they are in the wrong. We also had a valid address and lease in Florida.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

During the month of XX/XX/XXXX I spoke to Victoria Secret 's CS department, reported the fraudulent account. They researched and found the account was fraudulent. I was told I would receive a letter of proof but to no avail as of XX/XX/23. 
An inquiry is on my XXXX Credit report, I want it removed immediately.
Consumer complaint received 2024-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IL)

Sent my Venmo account bitcoin on XX/XX/2024. I tried to send my crypto to another account which it was denied. Then tried instant transferring to my bank and was also denied. My account was then locked. From XX/XX/XXXX to the XXXX my account has been locked. I have been speaking to XXXX to unlock my account. They were able to unlock my account XX/XX/XXXX and then XXXX minutes later It was locked. Now they want me to wait XXXX business days to hear from support. I have {$3000.00} dollars that Im unable to withdraw to my bank. I provided documentation of my bank statements and government issued identification. Every time they unlock my account I try to transfer money to my bank and the account is suspended. Today is XX/XX/XXXX and they want me to wait till XX/XX/XXXX to even speak to someone because they can not fix the account over the phone. The system automatically determines if the account is going to be locked and no one is able to actually unlock it and transfer my money into my bank.