davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (VT)

I had a line of credit with Cashnet USA with a limit of {$2000.00}. From XX/XX/2018 to XX/XX/2018 I took out advances and made payments on this line of credit. The total of the advances was {$2500.00} with associated fees of {$250.00} and interest {$360.00}. Therefore I owed Cashnet USA a total of {$3100.00}. Over the same period of time I made payments totaling {$3300.00}. Thus I overpaid Cashnet USA {$190.00}. I have requested a refund in the amount of {$190.00}. I called Cashnet USA on XX/XX/2018 and was told that I would be given a detailed summary of my account transactions within 2 business days. On XX/XX/2018 I had an online chat requesting the details since I had not had any confirmation that the request was being processed from my XX/XX/2018 phone call. I received an email on XX/XX/18 that I would receive the information requested within 5 business days. On XX/XX/2018 I requested an update on the request via email. I received the breakdown report later that day on XX/XX/2018 from XXXX XXXX. The last three payments on the report stated the following : " On XX/XX/2018 we received a payment in the amount of {$400.00} On XX/XX/2018 we received a payment in the amount of {$600.00} On XX/XX/2018 we received a payment in the amount of {$170.00} '' All other payments on the report during the time period XX/XX/2018 to XX/XX/2018 were broken down in detail showing how much went towards fees, interest, and principal. '' On XX/XX/2018 I requested detail on the last three payments. On XX/XX/2018 I received a new report stating that the payments received on XX/XX/18 and XX/XX/2018 were applied to principal. I did not have a balance due to Cashnet on XX/XX/2018. I tried three times to get resolution over the phone on XX/XX/2018 ( I was told once by a representative that there were hidden fees and interest, the second call was disconnected when I asked to speak to a manager, the third call told me that this request was escalated to a manager however there was not a manager to speak to at that time ). On XX/XX/2018 I called the collection department of Cashnet hoping that a manager would be present, I spoke to XXXX. She was great and told me she would investigate and call me back. She did call me later on XX/XX/2018 and told me that I have overpaid and possibly it was more than {$190.00}. The lack of clarity on how my payments were applied and the conflicting statements stating I did not have a balance but still owed payments are very troubling to me as a consumer.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

As XXXX Spoke to XXXX XXXX from credit acceptance She stated that I would be mail a copy of the sign contract. Now I went ahead and call the XXXX XXXX dealer and recorded the conversation and XXXX stated that they move and had no original contract. 
So again I want to re force the invitation on this complaint. What you have on your email isn't my signature for the credit application, if you need proof of the conversation, please feel free to call me. I also recorded XXXX XXXX. 
Again, this is Fraud.
Consumer complaint received 2021-06-15
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. (MO)

I had XXXX in XX/XX/2020 through XX/XX/2020. I was XXXX and on a XXXX fighting for my life. I am a XXXX veteran who hit hard times due to the pandemic and my wife and I have reached out to XXXX XXXX when I was not able to make payments and under the Care Act creditors were not suppose to report bad marks to credit agencies if the customer was having trouble due to COVID. In fact my wife and I both had XXXX.XXXX XXXX still reported back marks. We are homeless are trying to get a new home but because of the bad marks we are not able to get the home. The late payments start XXXX and is reported through XX/XX/2020.. during thus time I was extremely sick. Please help me get those late fees removed from my credited report. Please we really need a home.
Consumer complaint received 2017-06-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc. (MI)

I Called XXXX XXXX starting on XX/XX/XXXX to resolve at debt that I owed in the amount of {$320.00}. this company could not find my account. I informed them that it was in Collections, they then informed me to call the collections agency that they no longer had that account. I then called the collection agency and they could not find the account. I had a order number that I gave the collection agency and they were able to find my account. the collection agency then informed me that they returned the account back to XXXX XXXX. I then called XXXX XXXX on XX/XX/XXXX and informed them that the collection agency says they no longer have that account and I gave XXXX XXXX my file number once again and they were able to find the account. I asked if i should pay them, XXXX XXXX, or the Collection Agency they said that i could pay either one. Before agreeing to pay i asked the associate that i spoke to " Once payment is made in full will the Charge Off be removed from my credit report and He answered yes.I then asked him if he was sure he repeated yes, he assured me as soon as there office receive full payment that the charge off would be removed from both credit bureaus.I sent a cashiers check in the amount of {$320.00} to XXXX XXXX XXXX XXXX. I then called XXXX XXXX Back after payment was made, spoke with a supervisor and He said that they would not be removing the charge Off from my credit report. He Said " that he could but he would not because it is not company policy ''. I informed him of the conversation that i had with one of their Associates and i gave him that persons name. I explained to him that that was unlawful what they did to me.He then apologized and said he was going to have a coaching/training meeting this supervisor said that he that he could return my money and leave the credit report as it was.This is Larceny by conversion and this company has yet to report the the Credit Bureau that the debt has been paid in full.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

company reports that I was late on my auto loan payment 16 months in a row. The information they reported is inaccurate and false. I tried disputing with the directly and the credit bureaus such as XXXX XXXX XXXX XXXX and they have failed to verified such allegations. no one is willing to help me or show proof that I was in fact late. each bureau has different count of days late the same month and year.

Credit Acceptance corp
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
as you can see nothing matches and the reporting on them are different on all 3 bureaus some are stating 30 days late but on another the same month and year says 90 days its absurd and need to changed to pay as agreed on all 16 months
Consumer complaint received 2022-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (NJ)

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I have been attempting to dispute an alleged debt via the XXXX online dispute tool being furnished to my XXXX credit report and file by Remex inc, since XX/XX/2021. XXXX has reported Remex INC, partial account # XXXX opened on XXXX XXXX2021Remex inc has failed to produce the original instrument of indebtedness that proves that I am obligated to pay them anything. I never signed a trilateral contract including Remex INC., myself, and XXXX XXXXXXXX XXXX authorizing Remex INC to conduct business on my behalf or on behalf or for XXXX XXXXXXXX XXXX. If Remex INC can not immediately provide to me or produce the original instrument of indebtedness then they shall immediately stop reporting this fraudulent account to any of the credit reporting agencies and must stop attempting to collect this alleged debt! Remex INC is not authorized to obstruct contract law. This is a violation of the truth in lending act as well as the fair debt collection practices act and Remex INC must prove that they are not committing fraud!
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I have an account that I had in collections in XXXX, which was paid in full and closed. It was reported at that time by the collection company XXXX XXXX   XXXX as paid in full with a XXXX balance, and that was reflected on my credit reports. 

In XXXX of XXXX the account suddenly reappeared on my Equifax report, displayed as Open. The account still shows as having a XXXX  balance and as paid in full, and reflects the date of my last payment, but for some reason the status is still Open in Collections, according to Equifax. I have disputed this problem at least five times now.

I have tried calling Equifax multiple times. I have been escalated to a supervisor, and then escalated to a manager. I have been lied to, been run around, and hung up on. I have contacted the Collection Agency and they verified that the account had been reported paid in full and closed for years, and have no idea why it has popped up in Equifax. 

I have had my physical Equifax Reports mailed to me to verify the account status is showing open still. 

I have received a letter from the original creditor AND the collections Agency verifying that the account should be shadowing as CLOSED and paid in full with a XXXX balance and both faxed and mailed all said documents to Equifax. 

Equifax refuses to take the simple action to display the states of this item as closed. Thats all I want. Both XXXX and XXXX  have the account reflecting the correct status of closed and paid in full. How can Equifax refuse to change the status from open when they know it has been paid in full, shows as a XXXX balance, and even have the date of my last payment?! 

The letter I have from the Collections Agency even uses the actual word, closed. 

Its infuriating. Im ready to file suit.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

XX/XX/2022 I received a credit card from Bank of America in a name I haven't used in 4 years. Luckily it showed up at my mailbox. I contacted Bank of America, spoke with XXXX in fraud and filed a fraud complaint ( case # XXXX ). XXXX assured me their fraud department would take care of this, the inquiry would be removed from my credit report ect. I then went to XXXX, froze my credit and placed a fraud alert on it. XX/XX/2022, I receive an email about ANOTHER credit card I had been approved for thru Bank of America. This time, however, due to the other situation and placing a fraud alert on my credit report and locking it down, Bank of America actually contacted me. I spoke with XXXX in underwriting and explained to her what had happened in XXXX and she said they would mark the application as fraudulent and it would be taken care of ( which it was ) Fast forward to XX/XX/XXXX and I had my credit pulled for another reason and sure enough, on my report, shows an active account with Bank of America that was opened in XX/XX/2022. This account is now showing deliquent because it has a {$75.00} annual fee that hasn't been paid. First off, this account IS NOT active because I never activated it. I also had filed a fraudulent complaint with XXXX and they removed it and supposedly started an investigation. However, here it is again and XXXX said they completed their investigatin and that Bank of America said it was a " current active account '' and therefore remains on my credit. XXXX???? I have done everything on my end to take care of this and was told by both Bank of America and XXXX it would be taken care of. XXXX investigated (? ) nice investigation. First off, why would I apply for a credit card that isn't even in my name. Bank of America says it's " accurate '' and so that ends their investigation? This is wrong on so many levels. I was failed by Bank of America and XXXX. XX/XX/2022 I make contact with Bank of America 's fraud department AGAIN. This time I speak with " XXXX from Georgia ''. I ask so many questions and get no answers. 
All she has to say is " this will be taken care of '' ( case # XXXX ). I explain the XXXX process and she informs me there is no notes of anything ever being done on my account. WOW, good job Bank of America, sure am glad I actually don't have any accounts with you if that is how your fraud department works. I would apprecaite this all being taken care of. I have now filed 2 fraud claims with Bank of America for the same situation and 1 with XXXX. I have locked down my credit and placed a fraud alert on my credit. Can we please get these companies to take care of the American consumer like they should be?
Consumer complaint received 2021-06-16
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. (OH)

I have disputed inaccurate accounts on my credit report. It's been months since I sent my first dispute in. The inaccurate information is still on my report.
Consumer complaint received 2022-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (NJ)

Amerifinancial Solutions of XXXX MD has been harassing me for over 6 months with repetitive calls from many different numbers. This was a debt created by identity theft. During the pandemic someone had opened bank accounts in my name, stole my unemployment by applying and receiving it all then i was unable to use the benefit and they obtained XXXX XXXX  attention and now this company has harassed me relentlessly and its causing me XXXX. This is not my debt, I even had a police report created for ID theft of unemployment bank account and other services.
Consumer complaint received 2022-07-07
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: Credit Corp Solutions Inc. (GA)

XX/XX/XXXX - ( ATTACHED ) Letter received by Credit Corp Solutions titled ( Second Response to Dispute ) - FALSE & MISLEADING because it was the first and only letter, I received from them. This is a violation according to CFR 1006.18 ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for Credit Corp Solutions to DELETE the negative item from my credit file, immediately. 

XX/XX/XXXX - ( ATTACHED ) I responded to their false & deceptive letter, and I requested VALIDATIION pursuant to CFR 1006.34 XX/XX/XXXX - ( ATTACHED ) Proof by USPS delivered receipt proving Credit Corp Solutions received my letter requesting VALIDATION but they have not responded within 30 days. 

I demand this unvalidated negative item to be deleted from my credit file, immediately.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment reported for XX/XX/2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

The Credit card was never late, address was updated and paymnet sent out on time. I contacted Chase directly multiple times to update the address and they contiuned to mail stamnets and paymets to old address. I spoke with associate and explained to her the situation she was descriminating due to the old address and my new address. She did not assist me I had to be transfered and was hung up on multiple times. This is unaccaptable for JP Morgan Chase. This is my business card. 
JP Morgan Chase card acct # XXXX last 4 digits opened XX/XX/XXXX its showing 4 times late XX/XX/XXXX XX/XX/XXXX incorrect XX/XX/XXXX Closed account I was told the account was still opened XX/XX/XXXX reported XXXX credit limit {$15000.00} manner of payment ( R01 ) 60-80 days late 1 time'XXXX incorrect Balance {$11000.00}
Consumer complaint received 2021-06-15
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: Affirm Holdings, Inc (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am XXXX XXXX a federally protected consumer and I am disputing this alleged account with CEO XXXX XXXX XXXX Portfolio Recovery Associates. I am requesting verification under oath the name an address of the original creditor of this alleged debt .I am invoking my specified remedy as the original creditor. I am demanding that Portfolio Recovery Associates to cease and desist communications with all third parties, including XXXX, XXXX and XXXX immediately. Please do not contact me unless you are contacting me to resolve this alleged account.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (IL)

My XXXX credit card has not been updated on my XXXX report since XX/XX/XXXX. XXXX and XXXX always update accordingly. Thats how I know the creditor provided XXXX with an update. This is and ongoing issue and my credit file needs to be updated per statement. Ive tried to dispute online but of course XXXX website is not allowing me too.
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have made multiple requests for Wells Fargo to stop all communication and marketing scams being sent to me physically and electronically and yet they continue to try and contact me. I DO NOT do business with crooks and crooked companies ; they are violating my do not contact and do not solicit requests and should be fined.
Consumer complaint received 2022-07-07
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. (IL)

My XXXX  credit card has not been updated on my Experian report since XX/XX/XXXX. XXXX and XXXX always update accordingly. Thats how I know the creditor provided Experian with an update. This is and ongoing issue and my credit file needs to be updated per statement. Ive tried to dispute online but of course Experian website is not allowing me too.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX/19 myself XXXX XXXX and my wife XXXX XXXX went to Ashley Furniture in XXXX Ca. 

The salesman XXXX XXXX offered us a 18 month no interest store credit. I put XXXX down on XXXX on a separate receipt. 

My wife on a separate credit account with same terms 18 months, spent about the same. 
Also present was XXXX XXXX our adult son. 

The print out I was given to sign showed 12/months. I told the salesman that I refused to sign that because it said 12 mos. not 18. 


He said he it was wrong, took it to the back office, then returned. He said they put in the correction, that it is 18/mo for both of our orders, not to worry. He said paperwork would issue when the furniture was delivered. 

I informed him that I not sign anything that said 12/months. He not to worry. He gave me his card and cell number if I had a problem. 

The bed set was delivered, nothing mentioned 12/mos. I set the automatic payment up at XXXX month to end just short of 18 months. 

Last month my wife noted the promotion period to end in XXXX 2019. I called and to my dismay, we both are stuck with either a XXXX payment to clear it up, or 30 % interest. 


I checked my receipts, I found the unsigned receipt showing 12/mo. I called synchrony and was told to contact Ashely Furniture. I called the Mr. XXXX the salesman XXXX/XXXX/19, that made the contract with me for 18/mos. He said he recalled that 18/mo, no interest given to us. 
He said he no longer works there, and told us to speak to XXXX. I called XXXX today and he gave me a message that he doesnt no how to help me. 

I am returning to speak to XXXX the store XXXX. I have 3 witnesses, 2 documents that show the 12 month was NOT signed. 
I have the salesman that told us it was 18 months promotion, XXXX XXXX card. His number is XXXX. 
My bank shows every payment was made timely in an amount that was divided evenly between 18/mo. 

I wouldnt have bought that if it were a 12 month payoff promotion. 

I feel this was extremely wrong. I was denied the opportunity to terms of no interest by being given information that ensured we would not pay it off in time to enjoy the benefit. I think it was someone just forgot to make the change, rather than deliberately being deceptive. I am not sure why the salesman no long works there, but we know what he told us : 18/mo no interest. 
Through meeting of the minds and absence of my signature on documents ( we were told were a mistake ) misstating terms, us 3 adults confirmation of facts and the salesmans corroboration of facts, We want to be given the terms we were promised.