davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I asked for verification of my debt via telephone, and they mailed me verification. They sent me the lease of someone named XXXX XXXX. This is not my lease, and they 've shared this person 's information with me. It 's sickening to think that my information could so easily be shared with others, too.
Consumer complaint received 2022-07-22
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. (GA)

I applied for a car, furniture, credit at the dentist and credit card. Did not get approved and have many hard inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

I contacted American Express requesting assistance with the number of late fees incurred during COVID-19 and they refused to retroactively credit my account. I have been unemployed and struggling to make payments like many Americans but this company refuses to acknowledge that there is a serious problem and that it will accommodate customers during a financial hardship. I have worked with other banking institutions who have removed all late fees during the COVID-19 pandemic and have taken steps to request even a deferment. I would like that American Express to honor its oath not only to American but to XXXX who put there XXXX XXXX XXXX XXXX to XXXX XXXX
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

This is regarding past complaint # XXXX The company obvious did not READ my complaint so I specifically request this be sent to a SUPERVISOR who can actually read and address the actual complaint. All they did was send me the regular instructions for unfreezing my credit. As the original complaint explained, I followed those steps one by one with no results. I tried calling. No human answered. I followed the steps of answering the security questions. I tried everything, even using my personal CODE that had been sent to me in the mail. The problem was that NONE OF IT WORKED. There has got to be a quicker system for when you need to quickly freeze or unfreeze your credit for a purchase. This is, by law, supposed to be a free service. Please advises.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IL)

I was alerted by XXXX XXXX and XXXX that a large debt in collections was placed on my credit file. The company is called XXXX XXXX XXXX. The debt was opened XX/XX/24, for {$5000.00}, and the account associated with it is XXXX. 

I have no knowledge of this account. I did not open any credit or borrow any money from anyone or business. This is complete fraud and identity theft. It has ruined my credit score. I have been advised to report it immediately to XXXX. Please help me remove this fraudulent item from my credit report.
Consumer complaint received 2020-08-15
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: EQUIFAX, INC. (DE)

XX/XX/XXXX I received an alert from XXXX XXXX about an inquiry from XXXX XXXX XXXX in my Equifax credit report. I had not requested services from them as I work for their biggest competitor & receive all needed services from my employer. I contacted both Equifax & XXXX XXXX XXXX about the matter as I did not request services. I was unsuccessful in getting Equifax however XXXX XXXX XXXX did investigate the matter found it fraudulent, gave me a reference number to account for the fraudulent inquiry ( found that my name & SS # had been used by a possible former family member without authorization or knowledge ) and submitted written documentation to the affect. I then requested for the information to be removed from Equifax both as an online dispute on XX/XX/XXXX & XX/XX/XXXX as well as a phone call on XX/XX/XXXX to which Equifax refused to remove the inquiry despite XXXX  XXXX XXXX sending written statements to the fraud.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America actually helped me a bit at first and I was able to pay them some. 
Trying to pay them again but it is going to be impossible since the Social Security administration will not make a payment to me this month or for three months for that matter. 

It apparently takes 3 months to change account information with Social Security Was trying to contact them via a message or chat but that is not available apparently for low life people like me. 

In short i was trying to inform them that m, y, social security checks are being delayed due to yet more government bureaucracy and the inability to process informatioin provided in a timely manner. 

As it is they will likely go nuts and refuse to wait. 

I will pay but I can't pay what they want right this second. 

There are problems caused by the COVID-19 pandemic and those trying to profit off is that are kiling my income adn social security administration is slowing things down to the point that I'm not sure I will be able to get food
Consumer complaint received 2023-03-17
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. (NY)

Fraudulent accounts on credit reports 1. Us Department Of EducationXXXX {$5700.00} 2. Us Department Of EducationXXXX {$9400.00} 3 Us Department Of EducationXXXX {$5400.00} 4 . Us Department Of EducationXXXX {$1200.00} 5. Us Department Of EducationXXXX {$4100.00}
Consumer complaint received 2020-08-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Earlier this year, Capital One sent me a bonus promotional offer to open a 360 Savings Account. They offered new customers a {$500.00} bonus for maintaining {$50000.00} or more in a online savings account for 90 days. According to Capital One 's promotion, the {$500.00} bonus would be paid within 60 days after all requirements were met. 

I opened a new 360 Savings account on XX/XX/20. A deposit of {$50000.00} was credited to the account from another institution on XX/XX/20. This was within the " Initial Funding Period '' mandate dictated in the small print ( within 10 days of opening the account ). My balance was kept at {$50000.00} or more for over 90 days from the time of my deposit. 
On XX/XX/20, I shifted my account balance to another external high-interest savings account ( more than what CapOne was offering at the time ). Again, this was more than 90 days after my deposit was completed on XX/XX/20. 

I called Capital One on XX/XX/20 to check on the status of the bonus, which was the 60th day after all requirements were met. Capital One is now saying that I did not keep my balance at {$50000.00} or more for 90 days XXXX even though I did XXXX. They are stating that the " Initial Funding Period '' began on XX/XX/20, but no where in the promotional offer does it state, disclose, or clarify WHEN & HOW the " Initial Funding Period '' begins or ends. The bank 's advertising and small print does not state or disclose that the Initial Funding Period continues even if you make a deposit a day or two after opening the account. I made a deposit as soon as I opened the account. The 90-day requirement should have started the day ( or the day after ) my deposit was completed. 
How would a customer CLEARLY know and understand that the 90-day " clock '' began ticking AFTER the 10th day of the " Initial Funding Period? '' How is this explained and disclosed to the average U.S. consumer? Based on their disclosure, I was led to believe that the " Initial Funding Period began as soon as the bank received my {$50000.00} deposit XXXX XX/XX/20 XXXX. No where in the bank 's small print does it state when/how the 90-day mandate begins after the initial 10 days of opening the account. This was intentionally vague to mislead the customer. Based on what the bank is now saying, it's actually MORE THAN 90 DAYS, which is extremely misleading to the average consumer. 

I would not be filing this complaint had Capital One clearly stated & disclosed that the 90-day period began AFTER the first 10 days ( and not the deposit date ). Shame on Capital One for not spelling this out to consumers. Not only is this bait & switch, but I considered it be fraud and negligence. 
I will be filing a Small Claims suit if Capital One does not pay out this {$500.00} bonus. 
I am disappointed in Capital One for knowingly misleading customers.
Consumer complaint received 2020-06-16
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: Southwest Credit Systems, L.P. (TX)

This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit.
Consumer complaint received 2024-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (MO)

I don't recall having a contractual relationship with this collection company Lockhart , Morris & Montgomery , Inc . Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-08-15
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 — Problem with personal statement of dispute
Company: Utah System of Higher Education (CA)

I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my XXXX website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but Cornerstone reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the 2 loans I have with Cornerstone. 
Please have them remove these false errors on my credit report from both loans. Thank you
Consumer complaint received 2020-08-15
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: CCS Financial Services, Inc. (MD)

I have a loan with XXXX and CREDIT COLL ( Original Creditor : XXXXXXXX XXXX   XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXXXXXX XXXX, XXXX, XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX XXXXXXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc (UT)

I worked for XXXX XXXX XXXX in XXXX  over XXXX  years ago. I left the company around XXXX of XXXX. Since then I have not heard anything from the company until XX/XX/XXXX, over 7 years since I last worked there. They claim that I owe them half of a sign on bonus and it has affected my credit significantly. Under the statute of limitations in the state of XXXX, this debt which I do not owe because I worked for them and never used any of their services, it is illegal to try and collect a debt once it has passed XXXX years. I have tried to contact the company multiple times and have been in disputes with the collection agencies because this is a wrongful debt and illegal. I have also hired an attorney to assist, but they have not been able to get anywhere because neither the collections agency nor XXXX will respond.
Consumer complaint received 2020-08-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and CAP ONE AUTO with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX is the company I am filing the complaint about. I was going to XXXX with them at a lower rate but added nearly {$2000.00} worth of fees which was not agreed upon. I paid my payment for XXXX because I wasnt XXXX. I paid XXXX payment on the XXXX but got a statement for the new loan which confused me but paid it to make sure there werent any problems. I get a check from them so I thought they were giving back the extra in my account from taxes or the extra payment. I paid XXXX but then got a notice I was late. I knew i wasnt late but payed another anyway knowing I would get it back. The joke was on me. XXXX charged late fees. I called so many times, I could never get past the customer service representative to talk to someone who could fix things. I was put on hold, hung up on and never received calls back from a supervisor! I wasted hours upon hours. Then in XXXX I refinanced with XXXX XXXX because of their poor customer service and my frustration. Then XXXX made a remark in my credit report that I was greater than 30 days late in XXXX. I reached out to XXXX  and That only resulted in them changing it to XXXX that I was more than 30 days late. I proved to XXXX XXXX that there was a mistake and got a XXXX loan through them. I ended up selling my home in XXXX and now I couldnt get another VA loan on a new modular home with land because of this. I once again called probably 100 times, spent hours trying to speak to a supervisor. I still can not get another VA loan until XXXX because the put in the comments that I was greater than 30 days late. I am having to rent now until then. Its expensive and I am certain their practices were illegal. If not illegal at least unfair and no one, particularly a XXXX veteran should ever have done to them. Please investigate this and help me get this fixed.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

hey, I sent a dispute letter XX/XX/2020 and as of today I still havent recieved a response and by the law if im not mistaken the bureaus have 30 days to respond
Consumer complaint received 2020-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

On XX/XX/XXXX, I had my flood insurance agent fax documentation for the new quote that contained the additional coverage requested from Amerihome Mortgage. 

On XX/XX/XXXX, I had 2 emails that confirmed the Items that I had additionally uploaded for the quote as well as the address for expidited processing of the flood insurance quote were processed. 

On XX/XX/XXXX, I recieved a letter stating that they needed to still have the additional converage for flood insurance. 

On XX/XX/XXXX, I called to confirm the situation multiple times and they hung up. 

On XX/XX/XXXX, I called to confirm the situation multiple times and they hung up without working toward a resolution.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Collection Service, Inc. (GA)

XX/XX/XXXX I checked my XXXX credit report and realized there was a collection reported on my account reported by XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I immediatley contacted XXXX XXXX XXXX to find out why this was reported to my account. They could not give me an answer and asked me to mail a validation letter to their corporate offices. A days later after preparing the letter I realized the ccount was no longer reporting. 

XX/XX/XXXX I received a notice from FRANKLIN COLLECTION SERVICE , INC stating that an account Owed to XXXX XXXX XXXX was placed with their office for collection. I immediatley sent a letter Sunday XX/XX/XXXX asking to validate the debt because I had no clue why they would be contacting me. ( That letter was recieved by FRANKLIN COLLECTION SERVICE, INC on XX/XX/XXXX at XXXX am USPS XXXX # XXXX ). 

XX/XX/XXXX I started recieving credit monitoring alerts stating there was a collection reported. It was from FRANKLIN COLLECTION SERVICE , INC . I immediatly looked at the letter again and it was dated for XX/XX/XXXX. I checked the envelope which I still have and there was no date on the envelope. Again I recieved this letter on XX/XX/XXXX. 

XX/XX/XXXX I contacted FRANKLIN COLLECTION SERVICE, INC over the phone. I first spoke with XXXX XXXX and after requesting a manager I was connected to the Supervisor XXXX. After talking to XXXX, she informed me that FRANKLIN COLLECTION SERVICE, INC would request deletion from all credit files. I was also informed that I could send the letter confirming this info to the credit bureaus. I have fowarded the letter and the account remains on my report stating that FRANKLIN COLLECTION SERVICE , INC has updated the account as reporting accurate.
Consumer complaint received 2016-03-09
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Continental Finance Company, LLC (OK)

I was contacted at work and given the number XXXX to contact about a case # XXXX. I called the number and gave the case #, I should not have given my social security number over the phone. There was no company greeting, just a " how can I direct your call '' I was transferred to a representative and was told that there was a judgement being filed against me. I was given the terms of the judgement. I asked for a payment plan, he placed me on hold and " spoke with the client '' they wanted to know when I could pay the money. He then started demanding my pay schedule at work. I said I would not give that information to him. he said fine I 'll just get it from the judgement. He then hung up the phone.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (FL)

this account was paid off on XX/XX/2022 this was my final payment for the vehicle to be paid off, they sent me a letter on XX/XX/2022 stating thanks for choosing them etc advising me about the title for my vehicle my score dropped XXXX points in XXXX because they reported me as a late payment which is inaccurate. I tried pulling up my payment history i cant because since the loan is paid off the account online with southeast toyota is no longer valid when i log in it doesnt have my car it says add new vehicle. I want this late payment removed