davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (CA)

GM Financial XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Upon return of my vehicle, a customer service rep at GM Financial informed me to wait until adjustments were made on my final bill, as the dealership that accepted my return did not make note of the correct condition of the vehicle. While waiting for these adjustments to be made, GM reported my payment as late. 

After speaking to customer service, the rep on the phone told me that GM would contact the credit reporting agencies to modify my payment history to show that my payment was not late. 

My credit report was never updated. This payment still shows late. 

This occurred XXXX XXXX XXXX
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

A year ago I found a credit bureau listing from Capital One Bank ( USA ) stating I owed a debt. I disputed the debt and never received any further information. This account was opened by my ex wife after our divorce fraudulently in my name. I have no contact with my ex wife as she has not been in contact with me or our children for 4 years. She is delinquent on child support and we have no way of locating her. A law firm called me a year ago about this debt and I informed them I disputed the debt. I live in New Mexico, they had an address in Nebraska which I believed to belong to my ex wife. They, XXXX XXXX XXXX with XXXX XXXX XXXX in Minnesota, did not contact me again until this week when I received a letter forwarded to my New Mexico address from my ex in Nebraska saying that Capital One Bank ( USA ) has sued me in Nebraska and demanding a hearing in Nebraska in 2 days. I LIVE IN NEW MEXICO. I have no means to get to NEBRASKA  to again dispute a debt I have previously disputed. I have researched XXXX XXXX and they have settled several CLASS ACTION lawsuits when suing people who did not owe the bill. At this point unless this is removed, I will have no choice but to retain the firm that won these Class Action Lawsuits against XXXX.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (VA)

Just received a text from a 3rd party stating they received a call from Jefferson Capital asking for me and that Jefferson capital provided the 3rd party my name and last 4 of my SSN. 

I have not received any mail / communication from Jefferson Capital this is the first time I am hearing of this. 

I called the number the 3rd party gave me and the gentleman stated they called that number looking for me and thought it was me and that they are sorry! Then started are you going to make a payment. I advised that I am filing a complaint because they have not notified me of the debt, they have not given me the opportunity to request verification and that they have violated my privacy by providing A 3rd party private and confidential information about me.
Consumer complaint received 2021-03-08
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. (PA)

This complaint is in reference to CFPB XXXX and failure by Equifax to follow FDCPA : The underlying issue is that no validation of the debt is provided and Equifax is in violation of FDCPA as furnisher has not provide any information since request in XX/XX/2020 ( OVER SEVEN MONTHS ) Error was detected on my credit report and filed an investigation into the matter utilizing Equifaxs online dispute portal Equifax 's Report # XXXX Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant ( OVER SEVEN MONTHS ) Despite no response from the company, Equifax verified the information Equifax has a duty to validate information, not pass the burden to the consumer. 

This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA. 

Similar to the previous civil ligation, I have received zero correspondents from XXXX. 

Company directly submitted information to credit bureaus without notification or validation and Equifax continues to furnish and sell incorrect information which has caused denials in credit.
Consumer complaint received 2019-09-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (PA)

XXXX is stating that I opened an account with them, I have been with XXXX for 13 years and DID NOT open any account with them, matter a fact I was on life support last year when they say this happened. My old landlord found a box with equipment in it 3 months after I was in the hospital and brought it to is and I sent it all back since apparently someone was trying to do something not legal. I have sent the company the tracking number of the merchandise returned to them and they still have not removed it. XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX Remarks Placed for collection Original Creditor Name XXXX XXXX Creditor Information XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Last year this was taken off of my credit report because it was False and I had to get consumer finance to contact them. They have now went through another collection agency to try and get money from me that I DID NOT USE THEIR SERVICES!! This needs to be removed from my credit ASAP since it is not mine and they are being nasty about it. 
Someone used my address and information to have phones sent to a address that we no longer lived at and the old landlord brought me a box that was sent back to them which the receipt is attached below, I am LIVID. 

I C System Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1200.00} Highest Balance {$1200.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 
DISPUTE AN ERROR Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-30
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a victim of identity theft all of my information was compromised including my social security number and other very important information.My name was Fraudulently used to apply for accounts such as CAPITAL ONE BANK USA AND XXXX XXXX XXXX XXXX XXXX CARD.These items are reporting to XXXX and XXXX and I never opened these accounts.i contacted all parties regarding this matter.
Consumer complaint received 2019-05-02
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. (MI)

I had a XXXX XXXX credit card charged off in XXXX. Fast forward to XXXX XXXX XXXX kept the account open and started reporting 90 day lates on my credit report for XXXX and Experian totaling 24 90 day lates for each bureau. I contacted XXXX XXXX to intervene back in XXXX of XXXX in which I'm pretty sure they got it removed but XXXX XXXX   eventually put this back up.
Consumer complaint received 2019-09-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have been contacted several times in the past days about making a payment after they have threatened to repossess the vehicle and make me responsible for the payments after repossession. I notified Capital One of hardship in my home due to unemployment for about a month in XX/XX/2017, but they refused to change the interest rate ( let alone show how it was calculated ) or lower the payments, so that I may be able to pay the full monthly amount. They repossessed the vehicle after I made a payment to the account. On a recorded line I was told they would not charge me the repossession fees because they were at fault. I was told that I needed to pay the complete late balance, but since the car was repossessed after the payment was made I didn't need to pay the full past due balance because they had already accepted my payment before repossession. The repossession fees were applied to my account as well as the late fees because I didn't know that the repossession fees were added to the account. After having to miss work a couple of days on my new job and find transportation to travel 45 minutes to reclaim MY car, I had to pay the tow company a fee also before I could get my car back. I notified Capital One of this matter and nothing was done. I was only told that I have to make full payment to bring to account back to current. I also was not allowed to make a payment on the principle balance because they insisted that I pay the late fees from the repossession. They have continuously notified the credit bureaus of late payment but my payments were behind because they didn't do what they promised they would. The original loan on the vehicle was {$21000.00}, but I have paid {$29000.00} to this day. This is more than enough considering they will not show how the interest is calculated.
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

Someone steal my credit card information to make online purchase and even steal store login information as below : Date : XX/XX/2023 at XXXX XXXX ET Online Store : XXXXXXXX XXXX XXXXXXXX Amount : {$130.00} I called card issuer to claim this purchase not made from me around XX/XX/XXXX at XXXXXXXX XXXX and issuer sent me a replacement credit card and research my fraud claim. I also got email from XXXX XXXX XXXX XXXXhat my order was on the way by XXXX at XX/XX/XXXX at XXXX XXXX. I chatted with XXXX XXXX XXXX  late night to stop shipping this order coz I didn't make this purchase but it seems can't stop anything due to goods were processing. I got email today at XX/XX/XXXX at XXXX XXXX  that order has been delivered!!! It's really made me upset.
Consumer complaint received 2019-09-25
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. (WA)

XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle from a dealership and shortly thereafter the vehicle quit running. This vehicle fell under the rules required for the Lemon Law so I returned the vehicle within the time allotted and was told that there would be no negative reporting on my credit report, but that turned out to not be true. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Management Solutions, LLC (MD)

XXXX XXXX apartments in XXXX, Md sent our account for damages to an apartment directly to a debt collector. We received NO bill and had no chance to dispute or discuss any charges! 
The debt collector called me and threatened to ruin my credit and to pay my bill NOW! 
Move out date was XXXX XXXX. 
I was actually out of the apartment in XXXX because my roommates changed the locks and the apartment complex would not help me to get a key or my possessions! I called them several times and they told me to take them to court! Im a college student and dont have money for court! 
The collection agency is FMS Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX The apartment complex is XXXX XXXX Apartments XXXX, Md XXXX
Consumer complaint received 2019-09-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2019 I signed up for a Capital One Savor One card, with an offer on the Capital One website for a {$500.00} bonus when you spend {$3000.00} within the first 3 months. I did spend over {$3000.00} in that time, and have been waiting for a notification that my bonus has been applied. It has now been 5 months so I called Capital One to ask about the bonus. They stated that a Savor One card offers only a {$150.00} bonus which had been added to my rewards balance, and that I must have been confusing the offer with the Savor card which offers a {$500.00} bonus. After researching the issue it was brought to my attention that there was an apparent " glitch '' in Capital One 's website offering the {$500.00} bonus for the Savor One card which I applied for. Capital One sent out emails to customers stating that they would be honoring the {$500.00} reward for customers affected by the glitch. I never received this email or the full bonus. I called Capital One again and they said again that I must have been confused with the Savor card, and that there was no such advertisement for the Savor One card, and have refused to honor the {$500.00} offer.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

XXXX XXXX Carrington Mortgage had promised not to report my mortgage being behind ( XXXX ) as a result of XXXX. However, now this is coming up with my commander that I was behind and my clearance has been suspended leaving me without work once again as a result of the mortgage company. Also, had to contact XXXX with the same information and they responded with they dont follow under XXXX guidelines nor the soldiers act. Im desperately looking for some assistance son this matter and cant afford an attorney. In the mean time, Im still without my position at the XXXX all as a result of my credit report being affected by XXXX. XXXX XXXX
Consumer complaint received 2019-09-25
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: AMERICAN EXPRESS COMPANY (NM)

After opening a brokerage account at XXXX XXXX, I was offered to sign up for their XXXX American Express credit card with the employee. We went ahead and processed the application. Was not told of or mentioned any restrictions. The offer was for XXXX MR points after {$5000.00} in spend per the terms I was given. 

On XX/XX/XXXX around XXXX I gave American Express XXXX a call to confirm the promotional offer was on my card and was confirmed by two different agents AND was given the promo code on my account, which was XXXX : XXXX I've met the {$5000.00} minimum spend by a lot and was not given the points that I was advertised. American Express employees confirmed with me on XX/XX/XXXX on a recorded phone cone that I was eligible for the promotion and that no issues existed. They should be held responsible for their advertisement and what they told me on the phone.
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (PA)

I noticed there was another transaction from a merchant so I called to dispute it and I was told by disputes team they will apply retroactive when the other dispute filed and escalate the credit within 48hrs 4 days later and still no credit as XXXX and XXXX had assured me would happen
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (NC)

My husband and I had our XXXX child about 2 years ago. During the process, I was working with XXXX XXXX and a XXXX website ( called XXXX ) and other billing avenues ( such as office visits ). During each visit, or via bills in the mail or on the website ( XXXX ) all bills were paid. They would notify me that certain bills were not covered 100 % by insurance, and I would either pay them that day, or log into XXXX and pay them. 

Then about 4 or 5 months go by and we start getting demand/collection letters from a company called : Medical Data Systems , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX Telephone : XXXX XXXX XXXX XXXX XXXX XXXX They offered NO information onto the charges they were trying to collect, what they were for or how they even came into their possession. The only thing we were told was that we owed them money and they demanded payment. We went back to XXXX XXXX asking what these bills were, and what they were associated with - but there was no luck. 

We ended up paying them since the amounts seemed so low ( {$190.00}, {$63.00}, {$130.00} and {$180.00} ), but they proceeded to break up the collections into 4 separate accounts and hit my credit report with not 1 negative mark, but 4 separate ones. Now, they won't consolidate, modify or do anything to assist. XXXX can't find records of anything and they're unwilling to assist. 

I don't know how else to fight back against stuff like this, but it would seem to me that since I was in constant communication with Novant, and that I made payments during every visit, and that their own website showed no outstanding balances - that some errors had to occur somewhere, but I don't have anyone on my side to help.
Consumer complaint received 2017-12-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc. (FL)

Optimum Outcome XXXX robot calls cell phone frequently. The message does not state the business they are collecting debt for or how to submit a payment. 

FDCPA AND TCPA ACTS guidelines state debt collectors to must identify business debt is owed to, amount of debt, how to pay debt. 

A business was owed debt and my account was credited in XXXX. The business stopped the harassing letters in the mail but Optimum Outcome keeps calling cell phone frequently. 

The business who has credited my account has been contacted VIA many EMAILS to stop Optimum Outcome robot phone calls to my cell phone number. 

Record all calls from XXXX on cell phone for records so legal action against Optimum Outcome is an option. 

Optimum Outcome does not provide an address of their place of business. I am sending a cease and desist all calls to my cell phone letter to this address which was online. 

Optimum Outcomes , Inc . 
XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS