davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc. (TX)

I have lived at XXXX XXXX XXXX XXXX XXXX Tx XXXX for since XXXX. 

My personal information was stolen and an an auto loan was acquired by someone in XXXX Texas. 

The loan was financed with GM Financial Account # XXXX XXXX XXXX XXXX XXXX TX XXXX. 
on XXXX, past due balance and charged off as of XXXX in the amount of {$72000.00}. 

At the time the loan acquired in XXXX using the false address which I am not and never have been associated with is XXXX XXXX XXXX XXXX XXXX Tx XXXX.
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I leased a XXXX  XXXX XXXX XXXX- I paid {$3000.00} upfront for an extra XXXX Miles. The situation became confusing and I was never given all of the facts at the time of the extra miles payment. 
I never used any of the extra XXXX miles paid for upfront - I went to the XXXX XXXX dealership and to XXXX XXXX to colect my refund. I have been refused. 
I am entitled to this frefund and I need to colect it.
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bursey & Associates, P.C. (AZ)

The office of Bursey & Associates , P.C . in XXXX Arizona while contacting my about a debt in collections for XXXX XXXX XXXX sent me information ( Full name, Address and act numbers and Original creditor statement ) belonging to someone else. And only sent a cover letter with my name on it. If I received someone elses acct information then someone else received mine. This is not acceptable.
Consumer complaint received 2024-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: S&S Physician Services, Inc. (TX)

I stated that the debt that way owed is an identity theft on my name plus the statute of limitations on such debt has over ran it's course.

1. Section 16.004 of the Texas Civil Practice Remedies Code. The statute of limitations on debt in Texas is four years. 
2. Section 392.307 of the Texas Finance Code.

3. Title 12, Section 1006.26 and 1006.2 ( i ).
Consumer complaint received 2023-08-14
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX
Consumer complaint received 2023-08-14
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. (FL)

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

ftc violatons capital one bank XXXX  will not let me login to the accounts On XX/XX/2019, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about Capital One credit card customers and individuals who had applied for our credit card products.
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc (MD)

Im the customer of Chime. 
Received a deposit for {$400.00} from XXXX. 
I send this amount to gma XXXX XXXX ( contact on my phone/my grandma that not a chime member ) She is XXXX yo, once she received alert on her phone, she didnt do anything but waited for me the nextday. I teach her to claim without to be a member, by providing her debitcard. 
She successfully add hers and it alert me that the fund its claimed. 
Her bank is XXXX XXXX, we waited a day, week, and it reach month. 
XX/XX/XXXX send and claimed on XX/XX/XXXX We went to her bank, they cant see any transfer with that amount, and i reached chime representative call and text with XXXX XXXX person. All of them with the same suggestion said the fund its claimed, the last conversation said, after they deny my complain, i need to submit my grandma bank statement on XXXX. I dont believe to share that information, the worse one, chime email me that they will disconnect relation with me as customer without any specific reason, the next day i called one of the rep said that their internal police department are investigating my account, weird. 
I can give all my acc # and all info if necessary Acc # XXXX routing # XXXX Address XXXX XXXX XXXX XXXX XXXX, MD
Consumer complaint received 2023-08-14
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. (TX)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (OK)

I received a summons from Rausch Sturm on XX/XX/23 without prior warning that they would take legal action. I have not been able to contact their office with the phone numbers provided in their correspondence. The call gets dropped whenever I attempt to call them. Im able to get through but the call always gets disconnected after selecting the option to continue in English. 
My phone number is incorrect on their website and the only way to update is by phone. 
I tried calling them on XX/XX/23 and submitted a call back request with a good number on their website. I attempted to call again on XXXX, XXXX, and XXXX. I also submitted call back requests on XXXX, XXXX and XXXX on their website. 
On XX/XX/23 at XXXX XXXX, I went to their physical office located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX but no one appeared to be in the office as the lights were off. There was a notice on the door with the same number ( XXXX ) the calls were disconnected from. 
I only have 20 days to respond to this summons but I am unable to contact them to discuss my account.
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-08-14
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NV)

On XX/XX/2024 I contacted this company about this issue and explained that I have been a victim of identity theft since I was a minor. I have a police report and FTC report that I sent to them and this company refuses to cooperate and they are in constant violation of my consumer rights. This company illegally purchased private non public information in violation of my privacy rights. This company is also committing securities and language fraud. I have reported them to the SEC due to the fact they said I gave them security interest in which I did not. I do not owe any debt to this company. I have never done business with this company.
Consumer complaint received 2022-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  Account Account name XXXX XXXX  XXXX  Account number XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Account name XXXX XXXX  Account number XXXX Account type Credit Card has violated my rights. 

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 is also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I have contacted FNBO several times in the past in regards to a dispute on my credit card for services not rendered. I also indicated, if there was any questions and/or clarification to please contact me. On XX/XX/2023, I received a letter from FNBO stating that they sided with the merchant due to the contract that was provided from the merchant. I contacted FNBO customer service at XXXXXXXX XXXX to inform them that the contract provided to them was not signed by me ( fraudulent ) and I was informed by customer representative, XXXX after a lengthy hold that a supervisor is not available. I called back at XXXX and once again requested a supervisor with customer representative XXXX XXXX After a lengthy hold with no supervisor, I disconnected. After working in management in a call center, I find it extremely difficult for no supervisors and/or managers to be available! I see that FNBO has a 1 star on the XXXX website from multiple consumers, now I clearly understand as to why that is!! 

As of XX/XX/2023 my complaint with the BBB has been ignored from FNBO.
Consumer complaint received 2020-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (WA)

I opened Investor Checking account at Schwab on XX/XX/XXXX. I also helped my wife to open 2 accounts at Schwab a few days later - Investor Checking and Roth IRA. I linked my account to all other my accounts, transferred XXXX dollars into it to prevent it from unexpected closing and setup direct deposit. My first direct deposit didn't come to account because it was suspended. I called Schwab 8 times to know what happened with my account and how I can help them to resolve this. I called them on XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 times ). At first they said that my account should be verified and asked my personal info. I provided it. Then they said that my account was verified, and everything is ok and it will be unfrozen soon. Then they said that they can not check the status, then again. Then they added my phone number into XXXX list, I tried to call them 3 times on XX/XX/XXXX and everytime call was interrupted right after establishing connection. Right after that I called them from my wife 's phone and I was able to connect to them. This time they said me that my account was terminated because of " business decision '' and I can not restore it in any way never. All these times they promised me to call back and tell the status, but they never called me back or communicated to me in any way. Last time they promised me to send me a check with my money, but they didn't do it either. And today they suspended account of my wife. I know that my case was reviewed/processed by XXXX XXXX from Schwab enhanced security team, I was said about this during some of the call. Last time I called them I asked to talk to manager. And manager promised me that she will personally start an investigation and will let me know the results of it in a week. She never called me back or communicated to me in any way. Schwab 's offices are currently closed, I tried to setup an appointment via their website a few days ago, but no one called me back. I want that Schwab conduct investigation and tell me the reason of account closure, because I don't want to get some other account closed at some other financial institute by the same reason. I want to get my money back. I want to get my wife 's money back as well.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (WI)

I've noticed Lexis Nexis is reporting a bankruptcy on my report inaccurately. I have attempted to dispute this info with the company and have gotten no where. I have reached out to the Bankruptcy XXXX XXXX XXXX and was told that they DO NOT REPORT NOR VERIFY INFO for bankruptcies. I would like this inaccurate/false information removed from my report entirely and immediately.
Consumer complaint received 2024-04-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (FL)

I received notice my credit score dropped by XXXX XXXX After logging in found I had a new collection reporting as of today XX/XX/24 for {$2000.00}. I was never contacted by the original debtor or the collection company at all in regards to this debt. I'm actually an employee with the original debtor for over 6 years and have free services. So, not only was I never contacted to dispute this debt, I've NEVER had any balance as all my services are FREE!!. I started a dispute with the 3 major CRAs as of today XX/XX/24. I just felt like this was wrong and after some research found more info about my rights and that is why I'm now filing this complaint with the CFPB.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

Recently opened a fraud investigation for XXXX totaling over {$11000.00} from 6 charges that I did not make. Discover has recently asked for more information and I did speak to them on the phone. Just today they reversed a XXXX charges a $ XXXX temporary credit was reposted to my account without any notification why. There are still XXXX that are still temporary after 3 weeks into the investigation.
Consumer complaint received 2023-07-12
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. (IL)

I received copies of my credit report currently and saw inquiries that I have reported to all 3 credit bureau on more than one occasion. I have placed more than one disputes online and written statements that the following inquries listed was not by me and have put in a fraud alert on my reports and it still remained on my report. The last written letter to all 3 credit reporting bureau ( XXXX, XXXX, and Experian ) was certified mailed on XX/XX/XXXX and it stated that I wanted this listed inquires removed because they were not mine. I asked for them to be removed immediately. If they could not send me proof of consumer verification, please remove in 30 days. I received a response that it was updated and remaining on report with no verification included with updated report. 
The following listed inquries included in the letter are the following : XXXX : XXXX XXXX XXXXXXXX Inquire on XX/XX/XXXX Inquire on XX/XX/XXXX XXXX  XXXX XXXX Inquire on XX/XX/XXXX Inquire on XXXX XXXX and XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXt Inquire on XX/XX/XXXX ( Twice ) Inquire on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquire on XX/XX/XXXX Inquire on XXXX. XXXX, XXXX XXXX Inquire on XXXX XXXX, XXXX Experian : XXXX XXXX Inquire on XXXX XXXX
Consumer complaint received 2021-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (IL)

I closed on a Home Equity loan and line of credit on XX/XX/19 and the equity loan payed off my credit cards debt. 2 of my credit card payments were with XXXX XXXX. My loan officer told me he was going to pay the cards off and assured no problems. My XXXX XXXX credit cards had two different pay off addresses the first payment was paid in the amount of {$1100.00} and the second payment of {$2600.00} was never applied to my account. I was told that XXXX XXXX misapplied the payment and the payment was returned to my bank back office. I was not aware until a month later what occurred. When the funds was applied back into my account, I immediately made the payment manually to XXXX XXXX. Due to the error of the payment being delayed I received a late payment on my credit report. I have tried for over a year to get this resolved and cant get assistance from XXXX or US Bank. In addition to not processing my payments correctly. I would like like to dispute the closing of my loan. My loan officer did not include my taxes and home owners insurance and I requested it several times. My closing of loan was very confusing, the dates and disclosures kept changing. Had to come in to bank and email several times. I would like to file a company request against my loan officer. I have tried to contact him several times no assistance. Did not know I had to pay taxes until months later when I received bill from insurance company and state tax accessor. I am very dissatisfied with the service I received and feel US bank practiced predatory lending to customers. Can you please assist me.
Consumer complaint received 2024-04-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (FL)

I recently checked my credit report and noticed an account reporting that wasnt there just a few weeks before from MRS BPO with XXXX being the original creditor. I have never received any comunication from MRS BPO in any form, no letter from them and Ive been at the same address for over 5 years. Not only that but I wasnt even notified from the original creditor XXXX  and I discontiued service from them in 2022 without any outstanding balance and I went and returned their equipment and made sure of this and they never sent me anything about an outstanding balance and Im in the same address that I was when I had their service. According to 12 CFR Part 1006 DEBT COLLECTION PRACTICES ( REGULATION F ) I was supposed to be communicated with before anything was reported on my credit report.
Consumer complaint received 2022-12-06
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: SYNCHRONY FINANCIAL (GA)

It's has been 1 Year that synchony bank/Lowe 's has changed off this credit card account and has not yet sent me a 1099C. I'm asking Lowe 's to CEASE AND DESIST from reporting income as debt on my credit report. Also I'm revoking any and all Power Of Attorney allowing Lowe 's of reporting my nonpublic financial information to third parties Corporation and nongovernment agencies.
Consumer complaint received 2022-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IN)

We are late on the payment and Ally Finacial called my wifes ex husbands Wife to attempt to reach us. She is not family or next of kin and this is a violation of privacy to involve someone such as an ex-spouses new spouse who we do not associate with. Dont even know how they got her number in the first place. Ive been married to my wife for 17 years and shes been divorced from her ex since 2000. They never had a loan together with Ally, and for them to reach out to people who arent even family is absurd. When you attempt to talk with Ally Finacial you get a foreigner who barely speaks XXXX. I feel our rights have been violated.