davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (TX)

Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXX ND SANTANDER IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.
Consumer complaint received 2023-10-04
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

On XX/XX/XXXX, Columbia Debt Recovery LLC dba Genesis LLC sent a collection letter that I received by email. I do not recognize this debt and sent a validation letter by certified mail on XX/XX/XXXX requesting verification of the debt owed. I stated clearly in my letter that I was disputing the collection on my account. I received the certificated mail receipt proving that Genesis LLC did receive my letter on XX/XX/XXXX. On XX/XX/XXXX, my credit account was reported on by Genesis LLC. My credit score was negatively impacted because of this. I have yet to receive validation of the debt from Genesis LLC. I was proactive and sent my validation/dispute letter within 30 days of the timeframe given, but I have yet to receive any documentation. Genesis LLC should have marked the debt as disputed on my credit reports. This is required under section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, Genesis LLC continues to reach out to obtain the debt even after acknowledging that they received my letter. Specifically, on XX/XX/XXXX, Genesis LLC called me at XXXX XXXX  ( MST ).
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Last year and a half or so I have checked my credit reports. I found disputes with XXXX and Equifax and XXXX regarding during the pandemic I was on forbearance and they said that I would not get any kind of late penalties or anything show up on my credit report. I had paid on time for 15 years and I didn't think it was an issue I'd ask him every month whether anything would affect my credit while I was in forbearance. They said no. This bank was XXXX XXXX XXXX 

Second one was XXXX XXXX  and arrangement with them and I was not late I arranged on how much I could afford to pay and they accepted it. When I probably dispute on the incorrect information that I had late payments with one of the three credit bureaus if not all three it came back that they added an extra month of late payment. No information was ever given to me on who to contact and how to get in touch with anybody at the bank itself. 

The third was XXXX XXXX  XXXX  again I had arrangements made with them and they were reporting that I was late on payments delinquent in fact. 

Nothing was ever resolved there's no information for me to contact anybody at these Banks. My account was closed at all three because I paid everything off when I sold my house. even though all accounts are paid all these late and delinquent payments keep showing up. Like I said I thought during the pandemic the mortgage company was supposed to work with us. Also I have recently gotten XXXX  card and they constantly offer loan consolidation products and things like that saying " don't worry it won't affect your credit " but it did affect my credit. Several times. To the point where I've had seven inquiries into my credit in a short period of time. Is things like car loans and loan consolidation or trying to maybe see if you qualify for a mortgage or pre-qualified. 

I was not really aware of these things until I put an application to rent my rental that I am in now. They would not rent to me because of my poor credit report. And I had no idea about that. I've been trying for almost 2 years to try to correct this. And it's a specific person like a XXXX XXXX XXXX  that I have to catch at a certain time of day from the month or the week. Very strange. Very difficult to speak to someone who could help with this. Anyway I actually had cash so I told the landlord I'd give him six months rent up front. 

I'm denied rental places to rent because of the credit report, I'm not being able to consolidate any loans, I get pre-qualified often but then they say they're sorry but they can't help me. I need to buy a car but I don't think my credit is going to let me buy a car.
Consumer complaint received 2023-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I signed a contract that stated that if I completed the school, I would owe {$5000.00} for the training or work for XXXX for XXXX paid solo miles and the debt would be forgiven. XXXX of the provisions was if I quit the school, I would owe the full {$5000.00}. HOWEVER, as per XXXX, if I am asked to leave I do not owe the debt. 

- XXXX. If we ask you to leave the program because you lack the necessary skills and end your employment during XXXX training or Phase XXXX - on-the-job training we will not seek repayment and the debt goes away. 

I had a XXXX XXXX when during training I attempted to turn, a car appeared out of nowhere, and I nearly hit it. I was asked to leave training after this. Per the contract I signed, that makes the entire debt invalid. I did NOT quit. I was asked to leave. 

Instead, XXXX continued to seek the debt, turning it over to Lockhart , Morris & Montgomery , Inc. for collections. Neither company has ever given me any paperwork stating I quit. There has been XXXX proof I violated the terms of the contract and voluntarily left. Whenever I ask for this, Lockhart , Morris & Montgomery , Inc. only sends me the contract which states I don't owe the debt because I was asked to leave.
Consumer complaint received 2018-03-30
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. (CA)

Well established how opprobriously malignant and MIS-MANAGED these clumsy credit bureaus really are. I went round and round with these derelicts for years and reported this already to you people [ c ] ountless times!!!! I just got a fraud alert from XXXX that is the free XXXX  credit monitoring for XXXX 's sloppy breach 2 years ago. Anyways inept clowns at experian has allowed some malignant collection agency to duplicate the same negative garbage that is ALREADY being reported for the last 2-3 years now?! # Some putrid agency calling themselves second round from XXXX texas self-created a new FRAUDULENT account in my name so it appears as new. THIS is NOT a new account and obviously illegal and punitive. This {$5500.00} is already reporting and now charged off!!! These scumbags think they can be cryptic and blundering probably because they paid inept experian a fee to scam harass and deceive my actual credit report. I told all creditors 3 years ago I was cheated and retaliated against at my last federal job for confronting worthless derelicts, fraud waste abuse still rampant. I did NOT magically ignore my bills. Obviously ran out of money and now live in poverty! I don't care how many conniving collection agencies they send, obviously illegal to self-create a new fraudulent account using a different name using the SAME debt amount?! #
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, a series of 4 consecutive unauthorized transactions amounting to {$9900.00} were made on my XXXX account. I immediately contacted my bank, Bank of America, and told them the transactions were not authorized by me and should be halted immediately. The bank told me that they would open a fraud claim immediately. What I found strange, and communicated to them, was that I received no alert of the transactions. The transactions were not shut down by my bank, even though they were clearly suspicious in nature. The way I found out was by checking my bank account. Before that time, on another occasion, I made XXXX transaction, around {$700.00}, which was significantly less than either of the 4 transactions but my card was declined as the bank found it suspicious. Why did the bank not do that in the case of the 4 unauthorized transactions? Over a month later I received mail from the bank claiming that 2 of the transactions, amounting to {$5300.00}, were authorized by me. I contacted XXXX to hear what they had to say. I was told by XXXX that my account was compromised, that they have a record of proof, and that I should contact my bank so that they could contact XXXX for verification that what I said is true. I contacted Bank of America multiple times and was told that they would look into it. Yet, they never reopened the claim and made it extraordinarily difficult for me to dispute the decision and make an appeal. I was basically told that the decision had already been made. One employee from Bank of America was able to start a new claim and leave a note to the investigator to contact XXXX on XX/XX/2022 ; however, the claim was closed about a week after under the premise that it was " already resolved. '' No effort to look at the new information was made. In fact, I contacted XXXX again and was told that the bank made no effort to contact them despite my instructions. So, XXXX provided me with a written statement saying that all four of the transactions were not authorized by me as my account was compromised. I submitted supporting documentation that serves as proof that the transactions were unauthorized 2 weeks ago. I have yet to receive any updates on the situation. More than a reasonable amount of time has passed. I have been making efforts for months to get the bank to cooperate yet they have been doing the bare minimum. I have been in constant contact with XXXX and they have been much more cooperative. They provided me with documentation and said that the bank should contact them yet the bank has not been cooperating at all. The bank pretended that they didn't know how to contact them, even after I provided them with a reference number and email. They simply did not want to contact XXXX.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I opened a capital one quicksilver card which I received in the mail today, XX/XX/2023, however, I was unable to activate it or access my online account portal. I called into customer care with whom I advised that the phone number on my account needs to be updated to verify my identity ; the phone number on file is no longer mine. I applied using my current phone number, capital one refused to update my the phone number on the account. I attempted to work with two representatives who refused to fulfil this mundane task. In addition, they also made threats against my life. I had no issue but to request the account to be closed and communication from this fraudulent business to cease and desist as this harassment is highly unprofessional and I will not be attacked for requesting a simple change to my account. I would also like Capital One to remediate or compensate me for my credit report damage that was incurred from their fraud. Failure to respond to this request will result in legal action taken against " XXXX '' and every other tier 1 representative that I have spoke with today.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I took a look at my credit report a few months ago and seen 3 accounts that i didn't recognize. After doing some investigation, i found out that those accounts where open fraudulently. I cantacted the bureaus and did exactly what they told me. i contacted the police department and filed a police report with the XXXX XXXX police department. I sent this to the bureaus but the accounts didnt come off.
Consumer complaint received 2023-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX, I purchased a RV from XXXX XXXX. They sold me a XXXX RV on the paperwork but it is a XXXX. The title has been messed up since the date of purchase. Bank of America financed it and has harassed me through letters in the mail. Certified mail over and over again. XXXX XXXX told them it was my fault. Bank of America should have recalled the loan after 90 days because the title was not correct. It is still not correct and they refuse to enforce the law.
Consumer complaint received 2023-10-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (NJ)

I had internet services with XXXX at my home. Their costs kept going up without explanation and their late fees were too high! I am a Single working mother on XXXX and our insurance is XXXX. I found a much better deal with XXXX XXXX  and had them connect our internet on XX/XX/XXXX. The following day, I tried to call XXXX by phone to have it disconnected, but could not get through, so used their chat function. I told them I wanted it disconnected that day. The Customer Service Person kept trying to convince me to stay every time I said, " No, disconnect now, I already have a new provider. '' I had a feeling there was going to be a problem, so when they FINALLY agreed to disconnect, I took screen shots of the chat. I have attached them below. The Customer Service Agent said, OK, we will disconnect on XX/XX/XXXX, and prorate your bill. I don't know why they made me wait this long, probably because of their billing period. They also verified my email and phone number in the chat screen, proving it was my account. 

Unbeknownst to me, XXXX DID NOT close my Account, and continued charging me for 2 more months! They closed the account in XXXX due to " non-payment ''! This is now affecting my Credit Score, and it is not fair! I have asked XXXX Twice to look into this. I am going to send them documentation now and I also sent the collection agency the evidence I am attaching below. The first time was XXXX, XXXX, and they did not change anything. The 2nd time was today, XX/XX/XXXX, and I will be following up with written documentation and proof. 

I do not like XXXX. They are very pushy and untrustworthy. I only signed up with them initially because the previous owner where we lived had purchased the router so we wouldn't have to pay rental charges. With XXXX, there are no rental charges, so I am much better off.
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PMR Progressive, LLC (CA)

PMR PROGRESSIVE is reporting an account on my credit that I do not own. This account from XXXX XXXX XXXX has NEVER been my account. I called them I was told because the account was " so old '' that they did not have any records of the account, yet they are currently reporting this account as an active collection.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NC)

They have been harassing me by calling incessantly since XXXX XXXX. They do not leaving a message, and I do not take calls from strangers or companies with whom I have no business. 

Today, I received a text message from them indicating that they are a " Debt Collector '' and using my daughters name in the body of the text. 

They harassed me and violated my adult daughter 's right to privacy. There is no point seeking resolution from them because the damage is already done. They can not undo it.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WSFS FINANCIAL CORPORATION (GA)

My Loan was transferred from Specialized Loan Servicing ( SLS ) to WSFS Bank to start payment in the month of XXXX. My wife and I are co-borrowers on the loan so we each pay half. I make XXXX payments for my half of the mortgage. {$140.00} every XXXX weeks then my wife also pays her half of {$280.00} once a month. I mistakenly sent the old servicer ( SLS ) {$140.00} on XX/XX/XXXX for a portion of the XXXX payment. They no longer serviced the loan at at that time so they sent the payment to WSFS Bank to be applied to my XXXX payment. That payment was never applied. I made XXXX other payments of {$140.00} to WSFS Bank on XX/XX/XXXX and XX/XX/XXXX in order to pay my XXXX balance. I called XXXX to see if they sent the payment and they sent it to WSFS on XX/XX/XXXX ( See Attached Payment log ). WSFS is showing no record of it and said that they would research it. That was on XX/XX/XXXX when someone called me to let me know my payment was late. They then stated they would research it again on XX/XX/XXXX when I called to ask about the payment. 
They Payments has still not been applied to my loan and I don't know where it is
Consumer complaint received 2023-10-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (CA)

On XX/XX/XXXX my XXXX XXXX XXXX was totaled that same day I reported the accident to XXXX, by XX/XX/XXXX it was considered a total loss. The agent that handled my case spoke with a XXXX representative at XXXX on XX/XX/XXXX and was given a total pay off amount of XXXX ( I learned this information from XXXX this year ). I never received a call from American Honda Finance in XXXX or any paperwork so I assumed that the car was paid off. It was not until XX/XX/XXXX I begin receiving calls from American Honda Finance that I have a past due balance on the account. I waited on the line to speak with a representative on XX/XX/XXXX in that call I learned that Honda Finance processed the payment check of {$12000.00} from XXXX as a customer payment. American Honda Finance stated that it was XXXX fault and that I had to contact XXXX to process the claim properly. I requested for my call to be escalated to a supervisor and I was given a reference number to wait for a call back. I never received a call from any supervisor. I called progressive that same day and I was transferred to the XXXX California location where I left a message and an email. 
XX/XX/XXXX I received another call about my past due amount from American Honda Finance and answered, I explained my issue again and was told the same thing. I contacted XXXX and the representative supported me with details on the claim and stated that American Honda Finance cashed the check from them on XX/XX/XXXX. The representative offered to call American Honda with me and I agreed. We both received a run around and another reference number to wait for a supervisor call back. I received a call back from Honda Finance but it was not a supervisor it was a representative that was trying to help me the best she could. I asked for a pause to be placed on my account as it is affecting my credit I was told I had to make a payment for that to happen. I finally spoke with a customer service representative who stated that I needed to call Progressive back and ask them to call Honda Finance even though XXXX sent an email to myself and American Honda on the same day showing the total loss details. I contacted XXXX and the representative was not successful with making contact with American Honda Finance. 
This cycle continued again on XX/XX/XXXX and XXXX was not successful with making contact with American Honda Finance. Then on XX/XX/XXXX and XX/XX/XXXX I reached out to GAP insurance for support and unfortunately they can not do anything except cancel my contract and refund me. 
I tried to speak with American Honda Finance again today on XX/XX/XXXX and again they will not pause the account and they will not consider my vehicle a total loss, the representative only told me to cancel GAP and my extended warranty to get a refund but now my credit has been impacted.