davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX To Whomsoever it May Concern ; This about consumer credit transaction entered with your company XX/XX/XXXX and I extended your organization the credit for the account no XXXX. 

I hereby give your company notice XXXX to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer-generated agreement. 
According to 15 USC 1602 ( 2 ), the term adequate notice means a printed Notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning .Such notice may be given to a cardholder by printing the notice on any credit card, or each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 
Since adequate notice was not given as per the above mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( K ).

Further pursuant to 15 USC 1601 ( A ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair card practices.

From your end I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term Unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 
I hereby request you to do the below mentioned XXXX. Remove all late PAYMENTS Ive been affected dramatically by these billing errors, denied for rental agreements and more. If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your company for compensatory damages. 
Thank you for your attention to this matter Sincerely XXXX XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (AZ)

Beginning or about XXXX of 2022, Progressive Management Systems received three medical debt accounts with balances less than {$500.00} each. Progressive Management Systems did not wait the required 12 mos prior to reporting the medical debt to credit bureaus. Further, Progressive Management Systems combined balances from different dates of service for the purposes of reporting debt that is not yet eligible for reporting, and for reporting debt that does not meet the greater than {$500.00} threshold for reporting. This was done to damage credit in an effort to coerce payment of low balance medical debt. This agency has failed to respond to requests for removal of the prematurely reported balances and continues to report one large balance instead of the individual accounts that they received with balances that resulted from different dates of service. They are abusing loopholes in the law and have failed to substantiate the debt amounts despite requests to do so.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

Last year I opened what I thought was a BJ 's store card. I rarely used it, and did not know it was a credit card. I was not planning on renewing. 

In XXXX, 2022 I get a statement that I owed a {$58.00} renewal charge. Still not realizing this was a credit card. I planned to go to the store when I was in XXXX and tell them I wasn't renewing. 

In XXXX, I get another statement, this time with a late fee and interest. I now realize that the card is a BJ 's Comenity Mastercard. I called Comenity and tell them I didn't want the card and was disputing the charge. They tell me the late fee couldn't be reversed until BJ 's reversed the renewal fee. I called BJ 's and they reversed the renewal charge but said it would take 2 months to process. 

In XXXX I get another late fee and interest. In XXXX the renewal fee is reversed but I get charged another late fee and interest. In XXXX I get another late fee and interest. 

I was able to reach someone at Comenity Bank who put me through to their Collections Dept. They told me to pay the late fees. I argued with them and the representative, XXXX, said she couldn't do anything but would escalate. In the meantime my credit has been hurt. 

I put messages on the internet page for this credit card. Finally someone answered the message and again told me I was responsible for paying the late fees and interest which are now up to {$150.00} because I didn't pay timely. 

I tried reaching Customer Care and was on hold for 45 minutes last night and finally hung up. This afternoon I tried and after another 45 minutes on hold I hung up. Then I tried a different phone number and was on hold 15 minutes when the system cut me off. It is almost impossible to reach these people. 

I am reading online what a scam operation these people are. Please help me.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (LA)

I mistakenly sent {$28000.00} to First national bank of omaha to a dormant account from bill pay in my account at XXXX XXXX  in Louisiana. On XX/XX/XXXXXXXX  XXXX XXXX received instruction on how to get that mistaken money reversed back to my account. XXXX XXXX  took action and took steps to do what they were told. Today, XX/XX/XXXX, Omaha now has changed what they are requiring to get the XXXX back to me and will delay an unknown amount of time. They would not put anything in writing to ensure the second set of instructions on XX/XX/XXXX was actually accurate.
Consumer complaint received 2020-10-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC Opened XX/XX/2019 Original Creditor Name : XXXX XXXX  XXXX XXXX  XXXX XXXX  Balance : {$3900.00} Requested affidavit in XXXX but did not receive. Received an affidavit in XX/XX/2019, submitted notarized. Followed up to notify that affidavit was mailed. 

Called to follow up, told it was handled by a different company and they would not know the outcome but it would be within 30 days. 

Called a few days ago, confirmed that the information provided previously was not accurate, they never did receive affidavit and threaten to report me to credit agencies.
Consumer complaint received 2024-02-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (GA)

On XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX. We recieved the Title in the mail and also was able to get a tag for the vehicle. On XX/XX/XXXXXXXX  our car was taken by a repo company called XXXX XXXX XXXX we had to call the police and report the car stolen in order to figure out what happened to our vehicle. Once we got a call from the officer about our vehicle we gave the repo company a call. They are saying the cat is not in our name, and refused to even take a look at the title of our vehicle. They told us Westlake Financial was the company responsible for the repossession of our vehicle. We called Westlake Financial and they are saying they don't have a lien on our vehicle and they would be sending something over to them to get them to release our vehicle to us.I spoke with a supervisor XXXX XXXX on XX/XX/XXXXXXXX  and nothing was done. I spoke with them yesterday on XX/XX/XXXXXXXX  and the lady i spoke to said she would give me a call back within a hour and she would have them bring the vehicle back to us. And she was sending them over a release form the same day. I havent heard anything still. I also spoke with them a few times in between the XX/XX/XXXX. Until today XX/XX/XXXX. They keep saying the vehicle is not in our name. Which is true we don't have an account with them. But we own the vehicle because the vehicle was purchased from a different company. We need our vehicle and our property out of the vehicle and the tow company will not give us our property or tye vehicle back even with proof of ownership.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

This company is sharing my information without my consent to insurance companies, this is illegal, and also in accordance to the FCRA law I would like to clear my report from any adverse action that are making my premiums high.
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: TRUIST FINANCIAL CORPORATION (SC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-10-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates LLC is attempting to collect a debt that was discharged in Chapter XXXX bankruptcy XXXX XXXX XXXX. I called their office on XX/XX/2020 to alert them of the error. I also sent a certified mail on XXXX/XXXX/2020. As of today the information is still being reported on my credit report.
Consumer complaint received 2023-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

On XX/XX/22, I opened a checking account with US Bank and funded the account with an opening deposit of {$25.00} from my XXXX checking account. On XX/XX/22, I noticed two pending debits from my XXXX checking account for {$25.00} each. On XX/XX/22, the two debit transactions posted on my XXXX checking account, but there was only one posted credit of {$25.00} to my US Bank checking account. 

On XX/XX/22, I contacted US Bank to obtain an explanation of where the missing {$25.00} went and why they performed an unauthorized transaction. They did not have any answers for me and recommended I file a claim with XXXX XXXX. I was transferred to multiple departments and nobody could provide an explanation. 

I feel that US Bank has the funds, but did not post it to the correct account. The representative advising me to file a claim with XXXX XXXX  is bad advice and just pure laziness.
Consumer complaint received 2020-10-01
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: Consumer Portfolio Services, Inc. (PA)

I recently went to obtain copies of my credit report and noticed some unauthorized inquiries reflecting on all three of my credit reports. Not sure how they happened but I didn't authorize any of these inquires to run my credit. Now my credit score has been affected and lowered because of this.
Consumer complaint received 2022-11-09
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. (VA)

On XX/XX/2022 I specifically asked the sales person XXXX XXXX to only run my credit for XXXX XXXX through XXXXXXXX XXXX by email. The sales person XXXX didn't communicate that request to the finance manager XXXX XXXX so my credit was run through 7 other banks for an auto loan. When i received an alert that i had a lot of inquiries, i immediately went online to dispute those unauthorized inquiries with Equifax. Equifax refused to remove the 7 unauthorized inquiries. I reached out to the finance manager XXXX to inform him of this issue. The finance manager sent me a letter explaining the miscommunication errors to give to Equifax as proof to remove the 7 unauthorized inquiries on my report. I've sent this letter twice by certified mail, Equifax is still refusing to remove the 7 unauthorized inquiries and lying about being factual and verified when i provided proof from the finance manager and the email request that specifically says to only run my credit through XXXXXXXX XXXX
Consumer complaint received 2022-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VELO LAW OFFICE (MI)

On XXXX XXXX velo law started garnishing my wages on an account from XXXX i have never owned a credit card they garnished XXXX dollars. I hired a lawyer XXXX XXXX i never recieved any information from any party. XX/XX/XXXX ipaid XXXX dollars cashier check with certified mail which velo law has recieved because i checked tracking number. i have called multiple times they say they can not release any information too me because i have an attorney. the issue is the attorney no longer represents me. they will not send me reciepts or tell me any information and they have taken XXXX dollars they have garnished recently i really need your help action must be taken
Consumer complaint received 2020-10-01
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: Global Lending Services LLC (PA)

I recently went to obtain copies of my credit report and noticed some unauthorized inquiries reflecting on all three of my credit reports. Not sure how they happened but I didn't authorize any of these inquires to run my credit. Now my credit score has been affected and lowered because of this.
Consumer complaint received 2022-11-09
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: JPMORGAN CHASE & CO. (IN)

In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AK)

In XX/XX/XXXX I applied for, and was granted, Covid-19 mortgage relief. The first payment relief date was XX/XX/XXXX. 

At that time I was still current on my loan. The investor was XXXX XXXX & my loan was being serviced by XXXX XXXX XXXX. 

In XX/XX/XXXX XXXX XXXX sold the loan. Im not sure who the new investor is. The relief period ended in XXXX, XXXX. I made all 3 of the trial payments on time-XXXX, XXXX and XX/XX/XXXX. My mortgage account servicer, XXXX XXXX  XXXX, reported my loan past due for XXXX, XXXX, and XXXX. All 3 of those payments were made on or before the due date. 

My mortgage account is with XXXX XXXX  XXXX. 

I have complied, on time, with all of the conditions of my loan agreement ( s ).

I believe this is very unfair and against the intent of the US Governments Guidelines regarding Covid-19 forbearance policy.
Consumer complaint received 2020-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIRST HAWAIIAN, INC. (HI)

I'm writing in regards to my car loan with First Hawaiian Bank ( FHB ). I paid off the full amount of my car loan yesterday afternoon and the money was taken out of my checking account today. When I logged onto the FHB app, the loan was still active and not paid off. 


I then called FHB customer service and was informed that it would take 3-5 business days to post on my FHB account and at that time, I would still be charged a daily interestrate. This is an unacceptable practice and it is outright stealing. I paid off my loan, and I shouldn't have to pay a penny more because FHB takes nearly a week to post a transaction. We are nearly a quarter of the way into the 21st century, there is no excuse why electronic payments are slower than sending a check by the USPS. 


The customer service representative informed me that she spoke to a loan officer and assured me that I, specifically, would not be charged more interest for my loan since I paid it off. 


If thousands of people are experiencing what I experienced today, and they do not fight for their money, this institution will make an exorbitant amount of money from those who have paid off their loan in full. It is unacceptable, and immoral. 

XXXX XXXX
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (GA)

On XX/XX/2020, I paid the settlement amount arranged of {$430.00} ( the original amount was {$670.00} ) with the collection agency XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX XXXX for my account. I also received a letter after the settlement was paid. 

This week XXXX XXXX alerted me of a new derogatory debt on my XXXX  report. In XX/XX/2020, XXXX XXXX XXXX XXXX hired a second collection agency, Credence Resource Management, to collect the " balance '' from the original amount. The balance of the original amount is {$230.00}. This is unfair and illegal because this is the same account I previously settled with XXXX. This is the reason I am filing this complaint. 

On XX/XX/2020 at XXXX PM I spoke with XXXX to ask why did XXXX XXXX XXXX XXXX put another collection on my credit report to collect the balance for what has already been addressed and settled. I informed her that I have a settlement letter from XXXX dated XX/XX/2020. She did not care about it. Her response was, " You have a pending remaining balance. '' She repeated that several times like a robot and had no intention to remove this balance from my cancelled account and/or to request the credit company remove this from my credit report. 

This is illegal and unacceptable. I want that collection off of my credit report. I have worked hard to pay off my debts and I no longer owe XXXX XXXX XXXX XXXX a debt. They are trying to force me to pay or else hurt my credit.
Consumer complaint received 2020-10-01
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: EQUIFAX, INC. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out.

US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX