davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOME FINANCE OF AMERICA (OH)

We contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX on XX/XX/XXXX to update our kitchen. We financed the {$3000.00} with XXXX with 12 months same as cash. After several months, and numerous phone calls from us, nothing had been started. We call and visit XXXX often and continue to get different stories every day. They do not return calls. We got the floor installed and then again nothing. We started a dispute with XXXX XXXX XXXX in XX/XX/XXXX. We sent a letter explaining our dispute with XXXX and the project that was not received. We provided pictures of our unfinished kitchen. XXXX sent a two sentence letter stating that they thought the customer was " happy '' with the project. XXXX XXXX XXXX. sided with XXXX. From that XX/XX/XXXX letter until today we are receiving collecting calls from XXXX. We have called XXXX several times trying to escalate the dispute higher. I was told that XXXX had already paid XXXX the total amount and now it is our responsibility to pay The dispute should be between us and XXXX.
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Enhanced Recovery Corp. I had my Personal financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with Enhanced Recovery Corp. This was a XXXX XXXX Account and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Enhanced Recovery Corp. In this case the debt should be removed from my credit report and out of the office of Enhanced Recovery Corp. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can not collect in the state unless they are register by the State of Texas and bonded.
Consumer complaint received 2021-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (IL)

I have had multiple issues with this car loan. They have taken extra money, said fees would be taken away due to bank error then kept the fees on the account, said they called me many times but I had no voicemail. My car was repoed due to all the issues, I had to pay money to get it out and then the fees that were waived are still on my account. Auto pay is set up and the first month it didnt get set up correctly, so my account went past due again. A supervisor fixed everything and then for XXXX the auto pay took out {$580.00} instead of the {$210.00} payment. Then someone else instead of reversing the charges, said a cashiers check for the {$580.00} mistake would be sent to me, and now my account is still past due and theyre asking for a {$210.00} payment. XXXX the supervisor told me that XXXX and XXXX payments and fees were taken out. This is not what I authorized to be removed. XXXX stated there are so many errors on this account I dont even know where to begin. I have a lawyer looking at this now. This has impacted my credit, which I disputed and it wasnt fixed, it is impacting my finances over and over and money is being illegally taken from my account.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I filed a dispute with Experian explaining that they were inaccurately reporting the account status and payment history from XXXX of my creditors named Rent XXXX. Experian is reporting this account closed when it should be open. Experian is also missing several months of payment history from Rent XXXX. I called XXXX Dispute department on XX/XX/2024 in an effort to fix this issue, but they were unable to help me. A female representative hung up the phone on me twice, and I eventually spoke with a representative by the name of XXXX and he was unable to help me. I also contacted Rent XXXX and they provided me with documentation showing that the account should in fact be open. Despite all of this, Experian has continued to report this account as closed. Experian is the only reporting agency incorrectly reporting this account.
Consumer complaint received 2024-03-14
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MI)

Target TD bank closed my account under fals pretenses. I called multiple times and reported fraudulent charges on said account. Target stated that this wasn't an act of fraud or identity theft after I explicitly stated that the charges were not mine. Target then continues to ruin my credit and cause me and my family harm by falsely reporting to the credit agencies. Target TD bank have caused me great harm and have failed to uphold their fiduciary duties to protect my identity. In accordance with the Fair Credit Reporting Act, they have violated my rights. Pursuant to 15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : I was also notified of my privacy being infringed on and my information being exposed, again I HAVE THE RIGHT TO PRIVACY pursuant to the privacy act of 1974. Pursuant to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am aware that Target sales and trade receivables on the secondary market. According to their 10k form Also on pg 16 of the 10k form it states that " No recourse under or upon any obligation, covenant or agreement of this Indenture, or of any Debt Security or any coupon, or for any claim based thereon or otherwise in respect thereof, shall be had against any incorporator, stockholder, officer or director, as such, past, present or future, of the Company or of any successor corporation, either directly or through the Company, whether by virtue of any constitution, statute or rule of law, or by the enforcement of any assessment or penalty or otherwise ; it being expressly understood that this Indenture and the obligations issued hereunder are solely corporate obligations of the Company, and that no such personal liability whatever shall attach to, or is or shall be incurred by, the incorporators, stockholders, officers or directors, as such, of the Company or of any successor corporation, or any of them, because of the creation of the indebtedness '' I am aware that this account is a certificate of indebtedness and Target has no right to report it negatively on my report, nor did they have the right to close this account. 

The indenture and the Issuer are required to perform as specified in your Indenture and in your prospectus. Additionally, it is in my understanding that you are selling my securities on the secondary markets even though in your prospectus you specifically state you dont. I WILL BE FORCED TO REPORT YOU TO SEC FOR SECURITIES FRAUD. Alongside the report I will include a FORENSIC FINANCIAL SECURITIZATION AUDIT OF MY Account if this is not rectified immediately
Consumer complaint received 2023-02-07
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. (NJ)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX IXXXX XXXX XXXXXXXX, NJ XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2020-07-14
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : please see attachment.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

#. 
: .. :. 

.. : .. :, ... - ( ) ( ) :. 

.. : - -,,,,,,, -. 

EXPLANATION : I've Had this fraudulent account added XX/XX/2021 without my consent. 
I went into XXXX XXXX to switch phone carriers while I was still connected with XXXX and was denied since my phone was still locked. The XXXX Employee asked me to write down my information, so when i get this problem fixed with XXXX I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, meanwhile I have NEVER missed a payment with my newly opened XXXX account so I was confused ... i also NEVER received any document or phone call saying owe XXXX anything... So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. They told me it must be a misunderstanding and they removed it off the credit bureaus but it was still on my XXXX credit file. I end up calling XXXX a month later and we ended up finding out the first XXXX franchise i went to where the EMPLOYEE asked me to write down my information on a STICKY NOTE ended up fraudulent opening an account with my information and sent it to the Debt XXXX!! THERE IS NO OFFICIAL DOCUMENTS WITH MY SIGNATURE ALLOWING ME TO OPEN THAT ACCOUNT. 
XXXX told me the only thing i can do is pay off the balance ( {$120.00} ) to get it resolved since they couldn't remove it from every credit bureau so i did that ... Next thing you know it turned into a closed account, this has Humongously effected my credit, I have never missed a payment and it posted as i missed ALL my payments.. it dropped my credit score almost XXXX POINTS!!! I NEVER gave XXXX authorization to open that account nor was i sent any documents or contacted about that account since it was " opened '' they NEVER had my official information!! NO address or NO number just my SSN. I've tried to dispute on XXXX & XXXX XXXX and it kept coming back accurate! i just want this account OFFICIALLY removed since it was fraudulent opened.. The company can not provide proof i opened this account, and have violently prohibited my rights!! i even provided proof in the evidence box of XXXX saying the account was mistakenly opened.
Consumer complaint received 2018-01-04
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (RI)

I 've received a notice on my credit report that I 'm 60 days past due on a GM Financial Account. I have never missed a payment ever, and I am not late. This is incorrect. I spoke to a customer service rep 3 weeks ago about this and was told that my account is 100 % paid in full, {$0.00} balance. I need this corrected. If this prevents me from obtaining credit due to their false reporting, I will hire an attorney and seek the maximum amount possible due to the false reporting & statements made by their customer service employees by GM Financial.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}. Please delete this account immediately.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: KEYCORP (CO)

In XX/XX/ I signed up for a new Key Bank XXXX, the web promotion on the application offered a sign up bonus of XXXX points after 5 eligible purchases within the first 60 days redeemable for {$200.00}. On XX/XX/XXXX, I fulfilled the requirements of the promotion, having made 5 purchases. One month later when I did not receive the promised bonus points I contacted the customer support on the back of the card, who assured me that I met the promotional terms and that I would receive the bonus within the next month. When another month passed without the bonus points posting I opened up a support ticket on XX/XX/XXXX and was told I would be credited the points by the end of the month. On XX/XX/XXXX I received the following reply : " After escalating your case it seems that due to not having a checking account the points have not been applied. We understand the fact that you were not advised that a checking account was needed for this reason we need you to refer to your local branch. '' My local branch was unable to help me. I was not advised a checking account was required for the bonus and I find no mention of this requirement in the terms and conditions from the original application.
Consumer complaint received 2023-02-07
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 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX The FCRA 611 - 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) ( ii ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This account is incomplete. there is no phone number for the furnisher. please delete this account from my credit report.
Consumer complaint received 2023-04-27
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST MIDWEST BANCORP, INC. (IL)

When working with the company. I incurred an overdraft fee. After calling them and asking them to disable the overdraft protection on the account, they told me that even with the overdraft protection disabled, they would still charge a fee for each transaction that was returned ( confusing terminology meaning that the transaction was denied according to them ) due to insufficient funds. 

What is the point of disabling overdrafts if you are still getting charged. There is no cost to denying a transaction and no money loaned on their part. This seems like a predatory way to gouge people with fees.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (GA)

I referred XXXX XXXX business account to Regions from my business referral account, and she recently received her {$150.00} incentive as part of the Regions referral program. I never received mine ( while I was the one who referred her business from mine ), and over the last few months, Ive contacted Regions technical support multiple times since the account wouldnt even let me log in to the referral portal. The error message has reflected either Login Failed or Connection Unsuccessful. Login failed. In XX/XX/XXXX, I was given the ticket number XXXX. Ive spoken to at least 10 representatives about this issue, have spent hours on the phone, and I even went in branch and followed up with emails to XXXX XXXX and XXXX XXXX ( XXXX branch ) neither of whom replied to a single email I sent. Everyone insists the issue will be resolved and then absolutely nothing happens. I also never got the incentive for person who referred my business account ( and neither did they ). 
Talked to XXXX on XX/XX/XXXX ( dialed XXXX ), and shes submitting a request to the marketing team to look into why I didnt receive the one for XXXX. She couldnt explain why XXXX wouldve gotten mailed out while mine didnt, and said she could see where all requirements were met. She also said the marketing ticket number can not be provided. XXXX said she would contact me by email. I obviously have no trust or faith that this will happen given Ive been transferred to many departments and have spoken to so many reps all of whom have not provided any resolutions over the last few months. Its extremely disappointing that shes saying a technicality prevents the incentive for XXXX referral of my business when there were technical issues setting up the account due to them combining personal and business accounts with the same login. They even made me update my login credentials after opening the account.
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (IN)

We had bought our vehicle in or around XXXX or XX/XX/XXXX, we refinanced it through a different bank on XX/XX/XXXX of XXXX, I have contacted GM Financial time and time and time again with no issues being resolved. This " lien release '' letter that was " sent '' XX/XX/XXXX of XXXX and had an expected delivery date of XX/XX/XXXX. I had been told this same letter was sent on two other occasions. Every time I call GM Financial, there is a different answer, and the process seems to restart every time. The new bank that we refinanced through has not received anything either. It is now XX/XX/XXXX, XXXX XXXX months after the vehicle was refinanced and we still have nothing. I am beyond frustrated and am worried I will have to obtain legal counsel at this point. I wished I had taken more screenshots to show the number of times I've called but I did not foresee this as an issue. I've included what I have. I am currently on the line now with GM Financial, this customer service representative stated " There isn't much we can do, I see the address has been verified 3 times, we will just have to resubmit the request '' I do not understand how this is legal.
Consumer complaint received 2020-07-14
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. (TX)

I closed my XXXX account in XX/XX/2020 and now XXXX is reporting late payments to Transunion for XX/XX/2020 as 30 days late. I have called multiple times and sent XXXX   support thru XXXX  the documentation. XXXX states its Transunion that is reporting wrong information and I need to calI Transunion. I have also disputed the late payment with Transunion with no resolution. It is a back and forth with XXXX 's blaming Transunion and Transunion stating the debt is validated by XXXX. Please see the attached documentation from XXXX stating no degatory payment on my account in XXXX.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

I have reached out to American Express around XX/XX/XXXX through XX/XX/XXXX about and inaccurate information that XXXX had listed on my credit report, that I'm missing a payment with them. American Express had assured me that they have accurately updated my account with the credit bureaus so I should give them some time to update my credit file. I have reached out to XXXX  many times about this inaccurate data they are reporting but they refuse to resolve this issue.