davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I noticed on my Experian credit report it is reporting credit card usage. I contacted them via written dispute on or around XX/XX/2019 and XX/XX/2019 stating they are reporting credit usage and I don't have any open credit card accounts so I shouldn't have any usage. They responded stating my information was updated however it's still reporting. I called Experian dispute department on XX/XX/2019 to speak with someone in disputes directly and my issue was unresolved which I think is mainly due to the representative being in XXXX XXXX and not fully understanding my issue. Which leads me to my second concern I am not sure my identity and personal information is being thoroughly protected when it can be accessed internationally. It is no way a company in XXXX XXXX should be managing and accessing personal information for consumers in the US.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: HYUNDAI CAPITAL AMERICA (FL)

In the month of XX/XX/XXXX, my wife and I approached XXXX to renew the XXXX Kia XXXX  car for XXXX of the year, what we owed on it was very little. But since they offered us so much change, we decided to take a risk and change. Unfortunately, my wife became unemployed, and we could not pay for 70 days and that was when they announced the repossession of the vehicle, so I asked them to explain to me since we had been late for a short time and they told me that it was due to the bankruptcy declaration that I had from the year XXXX, which was still visible. I explained to them that even with my bankruptcy, we never failed the Bank, which was the same one that gave us the credit for the new one, precisely because of the excellence in the payments, but they insisted that they only gave me 1 month to bring the account up to date and that The first payment was due the next day. That's how we got XXXX dollars and I had to pay the other XXXX in XXXX month, paying week by week. and they gave me the final date of XX/XX/XXXX. On the XXXX we had the opportunity to deposit more money and we only needed less than XXXX to bring the account up to date. But on XX/XX/XXXX, they had already taken the car. Although I begged them to see my payments and actions in favor of how I had maintained my account for years with the bank, stating that my wife was unemployed and that we have our children diagnosed which requires them to be taken to multiple XXXX during the week and my work schedule completely intersected with therapy and school schedules... they as an entity gave us XXXX last opportunity to recover the car, paying XXXX dollars that same day. That was a total injustice... we only owed XXXX dollars to make it to the day and we would do it right on Thursday, which was when I received my payment and they asked me again for almost a down payment. It's been more than a month and we found ourselves needing to leave every day of my XXXX days of work, including Saturdays and Sundays at XXXX with our children so that my wife can take them to school and therapy and pick me up. Before being able to continue with the job search, what this injustice has generated for us is frustration.
Consumer complaint received 2019-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

Received notification in XX/XX/2019 of debt from LNVN being reported on all three credit bureau reports. Reviewed reports and noticed a collection of {$5700.00}. This collection has decreased my credit score. I have never heard of this company nor received any type of correspondence verifying this debt nor any correspondence showing their authority of this debt.
Consumer complaint received 2017-06-02
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. (GA)

I have tried to fix these problems cred it bureau- My lawye r and I are getting ready to file a lawsuit.     Please remove these inquiry from from my credit   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   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX  -    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  This is my last time before I sue all  XXXX  credit bureau
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

Im not sure of the dates its been awhile the first one is credit collection services. Ive filed two disputes on it. And both have been denied and ive been told its going to stay on your report. Its for progressive car insurance for XXXX. Now before i switched car insurances the balance was paid and cancelled and i was told you owe nothing. And few months later i get mail from XXXX   claming i owe XXXX. I told them no i dont owe and told them what happened and they said well sorry someone lied to you and clamied i never paid the bill. And its like im responsible for someone elses mistake i dont think so.. 
The next one is XXXX XXXX XXXX/ XXXX and this was 2 years ago. We moved and we cancelled service and moved to another address and my wife had cable put in her name. And months went by and i get a bill from XXXX saying i owe XXXX i call and they say yeah you never called and cancelled your service 's. I explained what went on and they said oh yeah we see that but you still owe money for a disconnect fee. So we went down to the office on XXXX XXXX spoke to the rep and they said it was ok sorry for the issues will take care of it. Guess what never did and ive disputed that as well and getting told nope its gon na stay. This isnt right im telling the credit agencies thats not how it went and its like oh well now i cant even get a home because of this. Its needs corrected and those to debts need cleared ive fought and argued as well with the collector telling them the same things ive typed here. And disputed with them as well and all i get told is you can dispute all you like its not gon na go away how fair is that to me? Please remove the two debts ive listed they are not vaild and untrue. And both of these are " NO CONTRACT. '' Heres a link as well to XXXXaXXXX XXXX XXXX  XXXX & XXXX That also states that others have disputed items and its been removed and im saying that i owed no balances period.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (CA)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

XXXX  - CARD SERVICE XXXX
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (AL)

I applied for the U.S. Bank Cash + card in XXXX through online ( social media ) acquisition channel. There was a claim of 0 % APR intro promo for 15 billing cycles on purchases. I have double checked the disclosure before I applied, but when I received the card this promo was not reflected on my account. 
I have contacted U.S. Bank representatives multiple times, and they always promised that if I fax in the paperwork they would fix my APR on my account. But after I have faxed the disclosure and the advertisement I was presented through the acquisition channel ( once in XXXX, the second time in XXXX ), they still telling me that they need a proof of " targeted offer with my name, offer details '' before processing my request. I have told them that this is a public available offer, and since I was also targeted through XXXX ( social media ), hence I was not a targeted via direct mail, and I don't have the letter with name and promo information. The promo is still currently running with the exact terms. I appreciate your time helping me investigate into this situation, and I can fax in the promo detail I downloaded once I have a case number.
Consumer complaint received 2019-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc. (OH)

I purchased gift cards. google play cards and google will not redeem them. they were purchased on XX/XX/19 and XX/XX/19. google asked for more information and then did nothing. i have call, emailed and chatted with they hundreds of times and i get no help. i have invested hundreds of hours and thousands of dollars into my google account and now that is all wasted because they put in a new system to prevent scammers. i gave them all the proof they asked for to resolve the situation and nothing has been done. the only scamming i have witnessed has been done by google.
Consumer complaint received 2022-03-23
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. (MO)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX. 
1234, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX credit card account : XXXX Case ID : XXXX Amount : XXXX XXXX Case : XXXX XXXX XXXX Credit Card file a dispute to XXXX on my behalf. XXXX closed the case in my favor. They notified the credit card company. The credit card company gave me the run around. I had mail them the proof they need to rend or credit the funds of XXXX. They in return gave me another bogus excuse and will not refund or credit the refund.
Consumer complaint received 2017-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One pulled my XXXX credit report twice onXX/XX/XXXX and XX/XX/XXXX, and my XXXX credit report on XX/XX/XXXX without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after Capital One pulled my report for these unauthorized credit applications. The company does not seem to care that they may have been a player in helping identity thieves gain extensive knowledge of my accounts.
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I have sent a letter and made multiple calls ( XX/XX/XXXX and XX/XX/XXXX ) on the matter and yet they continue to 1 ) list the inquiries on my report ; and 2 ) fail to provide information on the fraudulent inquiries. The former hurts my credit score and ability to receive future credit. I 've disputed with both credit reporting bureaus but they and Capital One remain stubborn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd like to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.
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Capital One must remove these inquiries from my XXXX and XXXX reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of my credit report.
Consumer complaint received 2024-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (CA)

I contacted this company by phone to tell them they were making a mistake. I was on the waiting list for health insurance at my job and working part time. I filled out the form for emergency XXXX  and didnt know I got denied until later on when I checked my credit report. This company has a voice changer and they quickly hung up. Dodgy to say the least.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (RI)

Here attached is a copy of this creditor reporting inaccurate information on my credit report to XXXX and XXXX, 1- there attached is factual proof highlighted in a red marker where they state i was " 60 days late : to one bureau on XX/XX/2015 and to the other bureau they report " 30 days late '' how is this accurate? 
2- After the " closed date '' they report activity as " ok '' and " 30 days late '' how can a account be paid on time after being closed? 
3- The vice president of First Progress Mr XXXX says in a letter attached that they are not reporting any payment of {$9.00} and as you can see in attached report that is false. 
4- this creditor has not sent me any proof this account belong, no copy of any agreement, contract or application with my signature. 
5- They refuse to send me an itemized account history with all charges, fees and debit. copies of canceled checks to prove the late date they are reporting. 
All my claims are verified in attached copies of my credit report highlighted in red marker. 
This inaccurate reporting is hurting my ability to obtain a fair credit score for a new job please see all documents included.
Consumer complaint received 2019-10-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On or about XX/XX/XXXX, I received a letter from Specialized Loan Servicing ( SLS ) informing me that I was in default of my HELOC loan and risk of foreclosure. I had not heard from SLS since XX/XX/XXXX when the loan was assigned to them. During this time I have not received monthly statements or any type of demand for payment until XX/XX/XXXX. In XX/XX/XXXX, I submitted a request for mortgage assistance from SLS and had not heard back with an outcome from them. On XX/XX/XXXX, since I had not heard back from SLS I sent them a letter offering to enter into a settlement agreement, I offered {$2500.00} to have the Deed of Trust securing the debt released ( full reconveyance ). Then on XX/XX/XXXX, I received a " Mortgage Relief Option '' on XX/XX/XXXX. I immediately contacted SLS to discuss the terms of the relief option, I asked why they listed an amount of {$60000.00} to be repaid vs. the reported balance owed in the amount of {$41000.00}. When I contacted SLS no one could give me an explanation of the sum. On XX/XX/XXXX, I wrote to SLS and requested they provide a breakdown of the {$60000.00} and what legal rights they have to collect on this debt, six years have gone by and I have not received a monthly statement or demand for payment. 

In XX/XX/XXXX, my husband and I filed for BK. Ch. XXXX which resulted in a discharge of debt. 

I have concerns as to why did SLS waited six years to make an attempt to collect on this debt, why I haven't received a monthly statement from SLS, can SLS collect interest on this debt from date they acquired loan ( XX/XX/XXXX to now ), is SLS targeting properties that now have equity in order to foreclose, how many homeowners have been threatened or are at risk of foreclosure by SLS ' deceptive collection tactic. SLS stopped all attempts to collect on debt until the property had equity. 

I have not heard from SLS since XX/XX/XXXX to now. No statements, no demand for payment. How can they collect interest for past six years without any notification to the borrowers. 

I believe that SLS collection practices are abusive and violate TILA and FDCPA.
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (VA)

I am being charged for services that were not provided/met by XXXX XXXXXXXX and Healthcare Finance Direct . They continue to charge me for a treatment I didnt received ; and this company, claimed on the XXXX  website to put our accounts on hold but have not. They have also sent emails threatening to send my information to XXXX and saying my credit score will be affected, which is completely unacceptable.
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC. (WI)

I HAVE AN AUTO LOAN WITH EXETER FINANCE. THIS COMPANY 'S WEBSITE HAS BEEN UNUSABLE TO MAKE PAYMENTS FOR A FEW MONTHS NOW AND THEY ARE DOING ABSOLUTELY NOTHING TO FIX IT. WE HAVE NO WAY TO MAKE A PAYMENT ONLINE AND THEY TELL THEIR CUSTOMERS TO JUST MAKE A PAYMENT OVER THE PHONE, THIS IS VERY INCONVENIENT FOR ME AND FOR MANY OTHER PEOPLE. I MAKE PAYMENTS AT DIFFERENT TIMES AND DIFFERENT HOURS OF THE DAY ALL THROUGH THE MONTH & I'M NOT GOING TO CALL THEM EVERY TIME NOR WILL THEY BE AVAILABLE EVERY TIME I AM. I'VE HAD SEVERAL DIFFERENT PROBLEMS WITH THIS COMPANY AND THIS JUST COMPOUNDS ALL THE OTHER ISSUES I'VE HAD WITH THEM. I WANT & NEED TO GIVE THEM MY MONEY TO MAKE PAYMENTS ON MY VEHICLE, AS IRREGULARLY AS IT IS, BUT THEY ARE MAKING IT AS DIFFICULT AS POSSIBLE TO DO SO!
Consumer complaint received 2017-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MD)

I attempted to reach out to Midland Credit Management to settle a debt that is in collection. The debt is originally from XXXX and was charged off by XXXX at {$3500.00}. MCM is attempting to collect for {$5800.00} at this time. I was not in a financial position to pay before, but, now, I am able to afford to reach some sort of settlement with them, so I reached out to MCM. I advised them that I had {$1800.00} on hand at this time to pay off the amount if we could reach that agreement. They advised that they would not accept that amount and said the only amount for a lump sum they would agree to is {$4100.00}. I explained that due to financial circumstances I could not afford this. I inquired as to why the amount could not be lowered since several months prior I had received a letter stating that I could pay off the amount for 40 % what was owed. I was told that this offer was expired and the lump sum payment would again be {$4100.00}. I asked if I was able to get a little more money together if we could reach an agreement but they refused this. They stated that paperwork had been filed with my local district court by their attorney. I did a search of the court records and found no case or file associate with myself within the district court system. I 'm not sure if this was a move to place me under duress to pay the amount they wanted me to pay or not. I asked MCM several times to provide me copies of the legal documents they said they sent to the district court, but they refused stating that it was not in their company policy to provide such paperwork.
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I am Macy 's platinum customer for years and buy frequently online.. I recently purchased a diamond pendant online after it came on sale for more than {$3600.00}. The package arrived with seal partially broken.When I opened the box the jewelry was missing. I reported to XXXX right away and they asked me if I would like a refund or replacement after some investigation. They also promised to call with in 48 hours. Subsequently I called them every 48 hours but I was not getting any straight answer. Everytime I called they promised to call back but never did.. Finally they decided that the item was delivered and kept the charge on my XXXX credit card. I have emailed them several times but there response is the same, copy paste type... Now getting calls to make the minimum payment. I had also reported to XXXX about the missing merchandise. The tracking shows the delay twice at XXXX. The item could have been lost at any location. The item was not sent insured or signature required at time of delivery. Macys should have taken extra precautions when sending the valuable item..Now they are dropping on me to pay for something that I never received. I hold excellent credit score of more than XXXX because I am very responsible citizen. I would highly appreciate your assistance in this matter
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/year> there was an unknown unauthorized inquiry on my credit report for a chase bank account. I contacted the creditor JPMCB XXXX address XXXX XXXX XXXX, XXXX, DE XXXX, on XXXX XXXX and notified them that there was an unknown unauthorized inquiry on my credit report for a chase bank account and I wanted the hard inquiry removed.
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

I applied for a refi with Amerisave. My loan officer was XXXX XXXX. 
He said the only fwee I would need to pay in advance was the appraisal. I sent the {$500.00} for the appraisal, filled out the paperwork, and send in bank statements. 
XXXX would not call, email, or text me back. I got tired of this and cancelled the appraisal and loan process with a email to him. I still heard nothig from him for a week. 
I finally reached him by phone after many tries of calling, texting, and email. 
He then stated I would not get my appraisal fee back, and lied and said it was an application fee. He is clearly a liar, and a thief, and it's too bad he represents your company. 
He later admitted it was an appraisal fee because he finally sent an email saying he put in a request to refund the {$500.00}, but I don't believe a word he says after all this