davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Four times this year, someone has been able to access my credit card account and change my address to get another credit card and 1 time in XXXX that tried to use it to get {$250.00} if the card. Even though I have a freeze on my account, and they are suppose to send a code to my phone to make any changes. 3 times it was for an address in XXXX and 1 time it was for an address in XXXX, XXXX, which I haven't lived in XXXX, XXXX in almost 9 years. I just found out on XX/XX/2018, that someone tried to get another card from my account, even thought I have a fraud alert and I froze my account. Everytime this happens it lowers my credit score. I have a XXXX credit score and I'm trying to buy a house. I don't want to close this account as it will lower my score even more. I have 7 credit cards and this is the only one that keeps getting hacked. I'm thinking now that it is an inside job. No matter how my alerts or freezes I put on this account, even changing the name to my married name, someone is still able to access this account. They have sent me 4 new cards and it hasn't done any good. I WANT THIS TO STOP. I'm going to pay this account off and never use this account again. I shouldn't have to do this.
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OH)

XX/XX/XXXX Went on Care Credit web site which is owned by Synchrony Bank. There was option to fill out application for credit card which I had one but was closed by Synchrony. Was told to fill out new application which transferred me to Synchrony Bank web site. Was asked questions to verify I was person filling out application. In the end she wanted to call me on my " landline. '' Was told she was talking to me on my landline. Was told she needed to take my picture thru my computer and my cell phone. Was told I did not have capabilities on my phone or computer. Was told by her that there was nothing she could do. XX/XX/XXXX Receive message from Synchrony saying they checked data sources and said they could not confirm my identify which was not true. I have 8 credit cards from Synchrony plus 2 from Care Credit. Only 1 I actually use. The others are closed because they were paid off and I did not use. XX/XX/XXXX e-mailed corporate office.
Consumer complaint received 2020-12-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

i requested an investigation on XX/XX/2020 with follow ups on XXXX/XXXX/2020 XX/XX/XXXX/2020,XX/XX/XXXX/2020 and XXXX/XXXX/2020 regarding to a inaccurate information that is been report and this company ignored my request violating my rights.
Consumer complaint received 2022-04-26
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)

On XXXX XXXX I wrote to trans union, XXXX, XXXX about incorrect address and names on credit profile. They refused to remove it so Im asking for your help. 

1 ) My name is XXXX XXXX XXXX ) I live at XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX GA XXXX. 
3 ) I work at XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-06
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (VA)

I was not notified of my right to rescission as required by law under 15usc1635. I would like to rescind this transaction, retain possession of the property, and receive compensation for payments/ down payment sent to this company. in accordance with the law.
Consumer complaint received 2019-01-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (NY)

Honda finance used car : XX/XX/2018, $ XXXX.XX/XX/2018 {$1200.00}, XX/XX/2018 {$1200.00} XX/XX/2018 {$1200.00} ... i have spoke to American Honda finance on XX/XX/2018 and advised them that iam unable to make monthly payment on time as agreed because of iam unable to work as iam very ill from the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 and that I need an goodwill of being late with this account there said I'll notated the account and a goodwill attempt will be made on my behalf I have spoken to honda finance on XX/XX/XXXX and there are not helpful resolved this problem regarding that iam still making payment on this account please help me remove late payment from American Honda
Consumer complaint received 2019-01-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MI)

Previous attempts ( complaints ) to remedy the situation have not been addressed. Simply sending me the terms of my lease agreement does not answer the question as to why I was reported late XX/XX/XXXX and XX/XX/XXXX due to well known errors and deficiencies and the GM financial website. The GM financial website Displayed a XXXX  balance owed in XX/XX/XXXX. Based on this information no payment was made. The XX/XX/XXXX payment was made a few days late which caused a 30 day late assessment. This again occurred for XX/XX/XXXX causing a cascade effect. The fact that GM financial uses this website to except payments should imply implicitly that the information displayed on the website is correct. It was not. The website has been updated and corrected which now shows the correct payment amount. This in itself, clearly implies that GM financial was well aware of the problem. I would like the XX/XX/XXXX and XX/XX/XXXX late payment reports made to the credit bureaus reversed. I am guessing there are thousands of other customers who experienced the same problem which has other implications.
Consumer complaint received 2023-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC (TX)

I paid my account from XXXX  XXXX XXXX in XXXX after being sent to a collection agency without my knowledge. I paid the full amount we agreed on and that document was sent to me in XXXX showing the account was PAID IN FULL by XXXX XXXX. Now they have sent this fully paid account to another collection agency with a different amount and name without the original account number. The original location was closed a few months later and no account number shows from my only visit in XXXX. This is illegal and I told the Rep that it has been paid and he still tried to collect money. I am not paying for what was settled. Please stop XXXX  XXXX XXXX and Collections Management from harassing me for an account paid in full.
Consumer complaint received 2022-03-14
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 — Was not notified of investigation status or results
Company: EOS Holdings, Inc. (TX)

The EOS CCA with account number XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response and I have decided to seek your help to have this account blocked.
Consumer complaint received 2019-01-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc. (ME)

Approximately two weeks ago I attempted to reactivate my account with a money transfer company called Remitly. I had sent perhaps {$12000.00} or more to a friend in the XXXX during the previous year to year and a half with no problems. Circumstances reached a point where I was unable to continue sending funds. At a certain point I received an e-mail indicating that my account was closed to inactivity which I understand perfectly. Circumstances have since changed I wished to resume sending funds to my friend. I called the company as instructed on their website where a representative told me that my account was permanently suspended due to my having broken the rules of service and other suspicious activity. At no time did I engage in any activity that would break any rules. I simply sent funds by charging my credit card and paid the fee to Remitly as needed. All transactions were approved and fulfilled with all fees paid. Funds were sent from my personal credit card to a legitimate XXXX bank. There were no actions that were suspicious or against rules. I am very upset that my legitimate transactions should be described as suspicious and breaking the rules which clearly presume that my transactions are illicit or illegal. I have never engaged in any illegal activities in the past or present nor do I ever intend to. I have sent two requests via the Remitly website describing the problem and requesting informal resolution with no response. I request that my name be cleared of these false charges and my account be reactivated at which time I will decide whether to continue using the account or close it at my request. Thank you.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I gave a 60 notice to XXXX XXXX and they are charging me rent for months after my lease ended. They double charged me for all the utilities for the entire year of my lease. This was because they were having constant water shut offs and they said the company was backlogging the accounts withe the landlord. This is not the residents issue and we shouldn't have to pay for their problems. I tried to resolve this with them but the were very rude and told me I had to just deal with it and pay. I have all the monthly statements for the utilities. 
The entire lease, they made the place unlivable ( water shut offs every week, leaky AC unit, clogged sinks, cracked toilets and showers, foundation cracks and shifting, electrical shortages ( fire hazard ), clogged dryer outside vents ( fire hazard ), very rude and loud neighbors everyday ( which I tried to consult with them but the got very aggressive with me ). All of these issues I tried to resolve with landdlord but they did not fix. I don't owe them a XXXX! I paid my rent on time every month and even paid the extra {$60.00} every month for their problem!
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX will not remove the errors on my account they are derogotory i don't owe this money i called XXXX  they cant explain anything about my account because there is no record. XXXX  has it down as four accounts owing {$1100.00} i called XXXX XXXX they have me down owing XXXX not XXXX i called XXXX  coul not explain any account owing with my name, they need to remove this i have a new account with att they wouldn't of given me an account without paying the old one because i don't have a owing account closed for XXXX equipment returned {$380.00} is wrong someone made a big mistake because of this i have been denied credit for four years. i have been so stressed out about this big error. I m trying to own the American Dream this mistake that XXXX  is doing to me has ruined my name. please ask XXXX  they have it wrong please remove i attempted to remove myself and XXXX  wont do it they lied to me and i have been denied credit so many times i'm so stressed out my heart can't take it. my goal is to own the American Dream, i have been turned down so many times. i don't have dates of this error because there shouldnt be one.  Its ruin my life! please help me ask XXXX to remove. and i should be compensated for the errors they made im depressed they turned my life upside down. my name is ruined because of this. thank you.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I've tried to resolve this issue multiple times but I'm getting no where. The accounts that are listed on my report that I'm disputing doesn't even have an address listed on my report so how are the accounts being verified??? I don't have a name, telephone number or any way of contacting these companies so how can the accounts verify as my accounts?? I need the accounts removed immediately. Their are laws put in place for this type of issue to protect a consumer but what do you do when they aren't being followed??
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX will not remove the errors on my account they are derogotory i don't owe this money i called XXXX  they cant explain anything about my account because there is no record. XXXX  has it down as four accounts owing {$1100.00} i called XXXX XXXX they have me down owing XXXX not XXXX i called XXXX  coul not explain any account owing with my name, they need to remove this i have a new account with XXXX  they wouldn't of given me an account without paying the old one because i don't have a owing account closed for XXXX  equipment returned {$380.00} is wrong someone made a big mistake because of this i have been denied credit for four years. i have been so stressed out about this big error. I m trying to own the American Dream this mistake that XXXX  is doing to me has ruined my name. please ask XXXX  they have it wrong please remove i attempted to remove myself and XXXX wont do it they lied to me and i have been denied credit so many times i'm so stressed out my heart can't take it. my goal is to own the American Dream, i have been turned down so many times. i don't have dates of this error because there shouldnt be one. Its ruin my life! please help me ask XXXX  to remove. and i should be compensated for the errors they made im depressed they turned my life upside down. my name is ruined because of this. thank you.
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

XX/XX/XXXX I got a letter from XXXX XXXX stating the account ending XXXX I wasn't responsible for any pervious and further balanced on this account due fraud. But now I have a collection on my credit report from LVNV Funding LLC/ Hasted XXXX XXXX still showing I owe for this collection.
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

experian will not remove the errors on my account they are derogotory i don't owe this money i called XXXX  they cant explain anything about my account because there is no record. experian has it down as four accounts owing {$1100.00} i called XXXX XXXX  they have me down owing XXXX not XXXX i called XXXX  coul not explain any account owing with my name, they need to remove this i have a new account with XXXX  they wouldn't of given me an account without paying the old one because i don't have a owing account closed for XXXX  equipment returned {$380.00} is wrong someone made a big mistake because of this i have been denied credit for four years. i have been so stressed out about this big error. I m trying to own the American Dream this mistake that experian is doing to me has ruined my name. please ask experian they have it wrong please remove i attempted to remove myself and experian wont do it they lied to me and i have been denied credit so many times i'm so stressed out my heart can't take it. my goal is to own the American Dream, i have been turned down so many times. i don't have dates of this error because there shouldnt be one.  Its ruin my life! please help me ask experian to remove. and i should be compensated for the errors they made im depressed they turned my life upside down. my name is ruined because of this. thank you.
Consumer complaint received 2022-04-26
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX -XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2020-09-24
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: National Credit Systems,Inc. (NV)

I disputed the collection account ( National Credit Systems Inc. ) with XX/XX/XXXX in XX/XX/XXXX whereas XX/XX/XXXX said the debt was valid. I disagreed and contacted the debt collector ( National Credit System Inc. ) directly in writing on XX/XX/2020 demanding and under Federal Law they had 30 days to validate the debt and provide me the supporting documents from the original creditor. The debt collector did not provide me any supporting documents to validate the debt after 30 days thus the debt is no longer valid and doesn't exist. I forwarded the written request and provided evidence and documents that the debt collector did not response and requested XX/XX/XXXX remove the item and they refused. Because this item is impacting my ability to find affordable housing its urgent it is removed.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (AZ)

Flagship Credit shows my car in bankruptcy status. I never went through with the bankruptcy. The car was also in an accident and the gap coverage paid it off. It should show as a non-collection account paid in full.
Consumer complaint received 2020-06-05
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. (GA)

There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Name : XXXX ( XXXX  ) Incorrect Name : XXXX ( XXXX  ) The following accounts status is reporting inaccurate. I was never late on the following accounts : Dept of Education XXXX Open XX/XX/XXXX Bal. {$3500.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$3100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$860.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2100.00} ( I was never 90, 120, 150, or 180 days late ) XXXX Open XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following accounts does not belong to me/ Result of Identity Theft : XXXX Open XX/XX/XXXX Balance : XXXX ( XXXX  , TU, and XXXX  ) XXXX XXXX Date Open XX/XX/XXXX Bal. XXXX ( TU and XXXX  ) Bankruptcy Chapter XXXX  ( TU and XXXX  )
Consumer complaint received 2019-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

today my spouse who has authorization to speak on my account has been requesting to speak on a non recorded line which is our right in massachusetts today called in again and request was made and said they would get back to us.THIS IS THE SAME LINE MONTHS AGO CARRINGTON GAVE MY HUSBAND.WHY IA NOT BORROWER OR BORROWER REP BEING AFFORDED THAT RIGHT.CARRINGTON BY NOT ALLOWING TO SPEAK ON NON RECOEDED LINE IS MAKING IT LOOKLIKE WE ARE NOT IN COMMUNIQUE WHICH WE ARE.ALSO IT SEEMS THERE ARE MISSED CALLS BY CARRINGTON AND THEY ARE NOT LEAVING MESSAGES SO WE DONT KNOW WHO TO SPEAK WITH, THEY SEEM INTENT TO FORECLOSE AND HAVE TRIED LOOKS LIKE THEY ARE TRYING TO PAINT BORROWER IN A NON COOPERATIVE LIGHT. ALSO A XX/XX/2018 LETTER WAS CONFIRMED RECEIVED IN REGARDS TO A PAYMENT PROPOSAL BUT NO RESPONSE