davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: General Motors Financial Company, Inc. (CA)

XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX. In XX/XX/XXXX, the car was in the shop for over 40 days getting the faulty motor replaced. In XX/XX/XXXX it was " Presumed '' a Lemon and GM on XX/XX/XXXX offered a Collateral Trade. This trade was contingent upon getting my lender to agree to the trade. Since that time I have called GM Financial on many occasions, explaining what I needed. They would note my account pass me on to various department and no further action would be taken. Occasionally I would get someone who had some idea of what department could help me, and I would hold for long periods of time just to hit a dead end. Someone would give me another phone number to call which just got me to the same main line. In XX/XX/XXXX of this year, my Dealer Rep. XXXX XXXX of XXXX XXXX received instruction from GM Financial to complete a collateral trade info packet and fax it to them. After faxing it two different time, we had confirmation that the package was received and they would contact me when they were ready to move forward. After numerous emails to XXXX XXXX in Loss Mitigation, XXXX responded on XX/XX/XXXX and said she could initiate the dealer exchange process, as long as I understood that they would NOT issue any funds for the exchange, which I agreed that I did not expect them to do that. On XX/XX/XXXX my attorney who is representing me for the Lemon Law negotiation submitted a Letter of Representation to GM Financial per their request before they would talk to him. Following that GM Financial will not talk to me since I have representation, however they also are returning calls to my attorney and we are unable to get any status updates or answers. General Motors has now closed my claim due to no action and my attorney is indicating he can't complete the transaction he negotiated because my lender is non responsive, but he needs to be paid since the attorney fees due to him were built into the lemon law case. 

The dealership and my attorney have provided GM Financial with all the requested documentation that they have been asked for in a very timely manner, then told that they would initiate the trade approval, and since then nothing, which could now cost me thousands of dollars in attorney fees because my lender refuses to give approval on what is obviously a good deal for my loan. A XXXX XXXX clearly holds a higher value than a XXXX XXXX with XXXX miles on it.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

On or about XX/XX/XXXX a purchase of XXXX dollars was made via the internet. not using the internet and only using the card at the store once and then paying it in full i switched to paperless billing. a family member used it for the XXXX dollar purchase and not knowing the paperless bill was going to the spam file. after some investigations on XX/XX/XXXX agreed after spending 3 hours on the phone to pay the XXXX bill they told me that they would debit my ATM card for the original XXXX plus interest and late fees. I agreed and told them to cancel my account and I was done with target. on XX/XX/XXXX i again received another bill stating that i owed XXXX sent out from target XX/XX/XXXX after calling them again and spending 2 hours on the phone they explained that i now owed them over XXXX. 
When i looked at the statement they did not as was explained that they would debit my card the original XXXX and after speaking with the dispute dept said that the target rep made a mistake. when asked if i could just pay as agreed due to their mistake the XXXX they refused and stated that i needed to pay XXXX
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (OH)

Barclay Card Late refund, poor customer 's service, false promises, missing deadlines, failed compensation Hello, I had a negative balance since XX/XX/2021, Barclay card failed to gave me refund for next 3 months. I had to make 9 calls and to send 4 emails and finally received the refund, resulting in an intermittent financial hardship. On repeated request, last one on XX/XX/XXXX, I was promised consideration for a compensation and told an approval of 'higher management team ' was needed. Upon waiting for the stated period and non-receipt of any compensation, I called on today, XX/XX/XXXX, only to know that there is no record of such compensation consideration. 
Thank you.
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I was purchasing XXXX tickets and when I went to pay, they offered an XXXX XXXX that offered XXXX points if you applied for the card and spent {$1000.00} in the first 3 months. So instead of using my XXXX XXXX to pay, I applied for the card, was approved, and purchased {$1800.00} in tickets. Less than 24 hours later, they started offering XXXX points for the same transaction. I contacted FNBO bank that issues the credit card and explained that it didn't seem fair that had I waited less than XXXX hours to do the transaction I would receive double the points. The customer service rep agreed and said unfortunately they don't handle the reward points so I would have to contact XXXX for them to help. She provided a number for me to call XXXX, which I did. I explained to the rep what occurred and she said unfortunately since I signed a contract for the card there was nothing that could be done. I said since the promotion just started technically couldn't I just cancel the trip and close the card and just re-apply for the card, since it was less than XXXX hours since I signed the " contract '' and she said she couldn't guarantee they would honor the promotion since they offered it to me already. I explained none of this seemed fair so she escalated it to a leader. The leader said she understood it didn't seem fair and she would escalate it to see if they could make an exception, and someone would call me to let me know the decision and no one has responded. I just don't believe this is fair. Major department stores offer guarantees that if you buy something and it goes on sale shortly thereafter they'll match the lower price. Why isn't there a consumer protection for what happened in this instance? Just like the XXXX hours you have to cancel a contract, why isn't there a similar grace period for promotional offers?
Consumer complaint received 2018-12-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (UT)

I spoke to The CBE Group months ago that the debt was not correct and that XXXX XXXX ( XXXX ) took it back and wrote it off, asked them to stop calling me and to contact the originator of the debt to verify. This is after several months of back and forth with them and XXXX and many hours of calls and frustrating conversations. They called again today, rude and harassing in tone, threatening to call repeatedly even after I told them to never call me again, and that I had already requested no contact. The agent, XXXX, told me that XXXX sent the bill to them again a few days ago, so they ignored my request for no contact and contacted me because it was sent new. He grew very angry in our conversation and eventually hung up on me after implying threats against my credit and further harassment. I contacted a supervisor to complain against XXXX, they informed me that I was on the no contact list and that this was unacceptable behavior.
Consumer complaint received 2018-12-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX Transunion deducted 80 points on my credit report when I paid on some of my accounts and brought down the balances on these accounts, instead of my score going up they brought it down. while on the same date my XXXX  score went up when I lowered my balances there is 95 point  difference between the two my trans is XXXX and my XXXX is XXXX, I have one negative account that they said is the reason but it has been on there for 12 months
Consumer complaint received 2022-03-05
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: Experian Information Solutions Inc. (IL)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  ( Original Creditor : XXXX XXXX CO ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$580.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX {$140.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these inaccurate address, Inquiries and accounts as soon as possible.
Consumer complaint received 2018-05-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION (OH)

3 years ago I was on vacation. And some took out a loan for {$500.00}. XXXX XXXX XXXX said I walked into a store and took this loan out and they have video proof. I never took out a loan. I noticed the charges on my bank statement when I got home. I contacted my bank. They froze my account. And made me open a new account. They did a full investigation and found that these were in deed fraudulent charges. XXXX reimbursed my money. I sent the report to XXXX XXXX XXXX And now 3 years later I'm receiving threatening calls at home and work. Stating they are going to take me court and I'm going to have to pay restitution and they are going to garnish my wages .they are saying they have the video still. This needs to stop. Please help
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

This is about a promotional credit card bill. XX/XX/XXXX statement amount was {$190.00}, paid {$60.00}. XX/XX/XXXX statement amount was {$130.00} + {$42.00} a non-promotional purchase. Total amount of {$170.00}, paid {$60.00}. XX/XX/XXXX statement amount was {$110.00}. Should have been {$110.00}. I was charged {$1.00} interest on the {$42.00}. They posted the {$60.00} toward the promotional amount, instead of the interest bearing amount first. The federal credit card act of XXXX requires the credit card companies to post to the highest interest amount first. XXXX XXXX has tried to do this to me before, for XXXX and XXXX XXXX XXXX. I imagine XXXX XXXX has done this to many others. They fixed this XXXX problem for me today. It happened at XXXX XXXX XXXX over two years ago. To this day, they continue with the same routine, disobeying the law. THANK YOU
Consumer complaint received 2022-03-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Roseberry Inc. (ID)

Title cash of Idaho is doing very illegal things. The new area supervisor is requiring the employees to write down the customers bank account information so they have it. Even though its in the system but you can only see the last XXXX of the account number. Shes also wanting them to write down their debit card info down so they can charge the customers card info so they can charge it more than 2 times. Even though they are only allowed to charge a customers card twice. The regional manager is constantly talking about doing drugs, even in front of customers. They are doing a lot of illegal things, and its not right. I am a previous employee, and the reason I dont work there anymore is because I wouldnt do what they wanted me to.
Consumer complaint received 2022-03-05
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. (NC)

I went on all three credit bureau website based upon the information supported by XXXX XXXX and Experian. 
XXXX and XXXX ( personal loan ) account balances are incorrect. Both accounts are at {$0.00} balance. I am hoping CFPB can get this corrected in XXXX. These {$0.00} balances occurred XX/XX/XXXX and XXXX XXXX. 
Experian website has not updated account since XX/XX/2022. I am assuming the other two have not been updated as well.
Consumer complaint received 2020-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC (MO)

Received notice from XXXX XXXX XXXX, XXXX that I owed XXXX on XX/XX/XXXX. Notice was dated XX/XX/XXXX. Creditor named was Cascade Capital Funding , LLC. Received no prior communication from Cascade Capital Funding , LLC and was entirely unaware that they were attempting to collect debt. XXXX XXXX XXXX , XXXX claimed it was from services rendered XX/XX/XXXX by XXXX Hospital ( XXXX XXXX XXXX, XXXX XXXX, IA XXXX ). 
Received bill for this hospital visit XX/XX/XXXX. Confirmed with XXXX  through XXXX XXXX on XX/XX/XXXX that the bill was paid in full as of XX/XX/XXXX. 
Filed additional complaint against XXXX XXXX XXXX, XXXX on XX/XX/XXXX as I am not sure who is committing the fraud.
Consumer complaint received 2018-12-14
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Equitable Acceptance Corp (NY)

I was mislead to get into a student loan consolidation for lower payments. Ive recently been advised by the Dept. of Education that they are fraudulent. 
I tried to cancel whatever agreement we had and told them I reported them, that company ( I cant remember the name ) then went under for legal reasons, so the finance company in charge ( Equitable Accpetance-whom the claim is about ), sent my file to a trusted consolidation company to take over consolidation. I stated I tried to cancel while speaking to customer service at Equitable Acceptance and they did not want to hear it they just wanted their money and then told me they were filing it as past due and refusal to pay. Now Im receiving bills and past due alerts on my credit report. I never signed anything, just a verbal agreement to pay a small fee per month for consolidation. I believe I am Being taken full advantage of.
Consumer complaint received 2018-12-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KY)

Upon contacting customer service, I was told that the reason my monthly rate had suddenly doubled was that my income had been reassessed and now I had a new monthly payment. However, even though my income did not change appreciably my payment was now twice what it was before ( {$200.00} vs {$100.00} ). I am of the opinion that the IRS gave them the wrong information although I have no way to prove it. I am continuing to pay the {$100.00} payment I agreed to. If this causes further bookkeeping problems that is beyond my control. I am at least making an effort to pay my debt which is more than I can say for others. 
I am not asking you to resolve my issue, merely to air it. The publicity alone may solve the problem.
Consumer complaint received 2018-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (TX)

I did some research starting with the original creditor XXXX  XXXX XXXX. They stated that they have never provided this account for collection with XXXX XXXX or Midwest Recovery Systems. 

I have spoken with a representative from each of the following collection companies regarding the account status and when it was sold to the next collection company. During my research, I did not find any evidence that this account was ever sold/sent/provided to Midwest Recovery Systems. Midwest Recovery Systems is committing fraud reporting a debt that they dont legally own. 

Please see the below chain of events for the selling of my account and proof that it was never sold/provided/sent to Midwest Recovery Solutions. 

XXXX XXXXXXXX XXXX sold this account to XXXX XXXX XXXX in XXXX. 
XXXX XXXX XXXX sold this account in XXXX to XXXX XXXX XXXX. 
XXXX XXXX XXXX sold this account to XXXX XXXX in XXXX. 
XXXX XXXX still has this account in their office and has never sold it to anyone. They stated they have never sold to Midwest Recovery or anyone else. This account has been in their office since XXXX. XXXX XXXX is the company that legally owns this debt and no one else.

I just find it strange that Midwest Recovery has a debt for me and no one has indicated that they ever legally sold Midwest Recovery this account.

As you can see I have done an extensive amount of research into this matter and I have concluded that Midwest Recovery has obtained my information illegally and is provide false - information about their rights of ownership to this debt. They are violating my FCRA rights by reporting a debt that they do not own and cant prove that they legally own the rights to collect on this account. There is no paper trail that ties Midwest Recovery or XXXX XXXX to my debt from XXXX with the XXXX XXXX.
Consumer complaint received 2018-05-16
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. (IL)

I was a victim of identity theft. A person in New York stole my identity, and was caught with 5 credit cards in my name along with a picture ID with my information on it and her picture. My credit score has gone down 200 points in a matter of 2 months which I had nothing to do with. I also need her information taken off of my credit report. I have tried to have the credit burrows take it off but they refuse. Each card that I have talked to stated they are sending the credit burrows a report stating it was fraud, but I see only a small change in my credit score. I am angered! I would like my credit score back that I earned, and not the one she trashed.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX are in violation of the following : 15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
XXXX XXXX XXXX XXXX XXXX has continued to report late payments on the consumers credit file. Despite its notice the debt amount reflects {$0.00}. 


XXXX XXXX XXXX XXXX XXXX XXXX are in violation of the following : 15 1692c Title 41. Communication in connection with debt collection Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency. 

Consumer never consented or gave directly or indirectly permission for XXXX XXXX XXXX XXXX or XXXX XXXX XXXX to communicate with the consumer in connection with this debt. 

15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX to report late payments on the consumers credit file. XXXX XXXX XXXX XXXX, despite its notice to notify the Credit Bureaus to remove the item has continued to communicate the debt with the consumer. 



Experian is in violation of the following : 15 U.S.C. 1681I failure to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information ... .. [ continued ] please see attachment " Request for Deletion 3rd Attempt '' 15 1692k Title 41. Civil liability These violations have been reported to the CFPB and this notice has been provided to all parties. The CFPB, by law, is responsible for protecting consumers from unfair, deceptive, or abusive practices and to take action against companies that break the law. 

Today, XX/XX/year>. The complaint filed on XX/XX/year>, with a resolution date of XX/XX/year> is still pending ; despite Experians update to the credit file on XX/XX/year>. Restitution for the violations have not been received or communicated to the consumer through the CFPB or Experian.