davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

Back in XX/XX/XXXX, I file a complaint against this business with the XXXX, " Conn 's '', concerning theirs illegal collection and calling practice. I file a cease and desist letter with this company to stop calling me concerning their practice and they tell me only my cell phone number is on that letter and they can still harass me on my house number. Since they can tell me this and try to harass me when payment is not late, XX/XX/XXXX I had enough and stop paying them all together. These account was open XXXX and I was never late on paying my bill. Since XX/XX/XXXX they been calling my house phone with ghost number at least 4 time a day on a regular bases. Now they place it on my credit report and damage my credit and they believe I am going to pay them. They will never receive a payment from me as long as they continue their practice.
Consumer complaint received 2021-02-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter to XXXX and Equifax requesting validation of debts and derogatory marks being reported to my credit. As of XX/XX/2021 I have not received any form of validation. This is against the Fair credit reporting act law stating agencies have a 30 day window to provide validation. The following accounts and inquiries were listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTSTAR MORTGAGE CORPORATION (TX)

I recently sold a property and the mortgage company took a payment out of my bank account the next day after we closed on with them. I called and they said they would put the bank draft in the mail with a check and that was the XXXX of XXXX. Today I got a letter saying the check was refunded and no check enclosed. Called them and they said no check was enclosed as they put the money back into my account. I explained that I had the bank account open online and they did not. Then they said that I would not get my money back for 20 days?? Asked to speak to a supervisor and that wasn't happening. 

West Star Mortgage Corporation XXXX XXXX XXXX XXXX XXXX, NM XXXX loan # XXXX
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

My name XXXX XXXX XXXX DOB XXXX SS XXXX I have requested that my security freeze be removed for the 3rd time. I am writing to request to remove a security freeze on my credit report.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (KY)

I have been locked out of my PayPal prepaid MasterCard account all my weekly pandemic unemployment goes into everyweek. It has been weeks since I've had access to my account I have bills to be paid. I have called and ordered a new card repeatedly. I have updated over the phone repeatedly my address my social security number and Everytime j call they say they have no way to verify my account but then they gave me a special reference number XXXX in order to verify because I literally called so many time and complained and once again today after 10 of card already supposed to have been sent to me express that I paid extra shipping for did not arrive I called again XXXX XXXX XXXX and even with giving them the reference number they say they can verify my account because I cant give them my most recent deposit amount because I can't get I to my online portal to see my account which is why I'm calling them and then I can't verify my account cause they are saying the info I'm giving them is I correct but it is correct cause the previous time I called they promised they corrected it and gave me that reference number to use just in case ... I have over XXXX dollars stuck in my account and I need my money and I'll be filing a police report as well.
Consumer complaint received 2020-07-13
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)

XX/XX/XXXX, XXXX XXXX  XXXX added an account for {$2100.00} to my credit profile that does not belong to me. This account was disputed and removed from my reports previously in XXXX. This item was re-added to my report on XX/XX/XXXX. I immediately disputed the item on XX/XX/XXXX and the credit bureau returned results on XX/XX/XXXX saying this information was verified. This is not my account. This account has been reported to Experian, XXXX and XXXX. This is not my account.
Consumer complaint received 2023-03-28
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: AMERICAN EXPRESS COMPANY (IN)

I am re submitted a complaint that didn't come to a resolution with my credit card company. They closed the complaint with no resolution. 

Business Credit card was suddenly closed with no reason given on XX/XX/XXXX. There were over {$1000.00} in rewards points on the card when it was closed that can't be used now that the card is closed. After the card was closed we called American Express on XX/XX/XXXX and was told there was no reason for closure and that the representative on the line would take care of the issue for us and reinstate the account. By XX/XX/XXXX the card was still closed and we called support again. Again we were told there was no reason for the card to be closed and that we would have to " reapply '' to have the card reinstated. It is now XX/XX/XXXX and the card is still closed with no follow-ups from American Express . We would like the card to be reinstated and to regain access to our rewards dollars. 

The response to my original complaint on XX/XX/XXXX was responded to today XX/XX/XXXX. I am summarizing with my interpretation of the letter but it basically stated we don't know why your account was closed, you provided everything that would be needed to reinstate it and the card is still closed. 

I have attached the companies response from today XX/XX/XXXX which offers no resolution of reasoning.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MI)

Spoke with several times over the previous 5 weeks about account being reported as 30-59 days late for XXXX. Account was changed to good standing but XXXX late payment is still on credit report so the underwriters on our mortgage want it fixed in order for my mortgage to go through.
Consumer complaint received 2019-05-14
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. ()

Dear Sir or Madam : I am a victim of identity theft. The accounts listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX {$720.00} XXXX XXXX {$740.00} XXXX XXXX {$5300.00} XXXX {$10000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX A {$2800.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX {$38000.00} XXXX {$8500.00} XXXX {$3000.00} XXXX {$2500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I have filed a police report. Here is that information : XXXX County Sheriffs Office ( XXXX ) XXXX Deputy XXXXXXXX XXXX XXXX Police Report : XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX DOB : XX/XX/1984 SSN : XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NY)

I am writing to bring to your attention an issue regarding the account with the following details : Account Name : EASTERN ACCOUNT SYSTEM I Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Creditor can not locate individual. {$580.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$580.00} ( as of XX/XX/XXXX ) Recent Payment : N/A Monthly Payment : N/A Original Balance : {$580.00} Highest Balance : N/A Terms : 1 Month As of the most recent update in XX/XX/XXXX, the account remains in a past-due status with a balance of {$580.00}. However, I would like to highlight some discrepancies and provide clarification regarding the situation : Creditor 's Inability to Locate Individual : The status update mentions that the creditor can not locate the individual. However, I am currently residing at the same address provided during the account opening, and there have been no changes in my contact information.

Lack of Communication or Notification : I have not received any communication or notification regarding the outstanding balance or attempts to collect the debt. There has been no correspondence, phone calls, or letters from your company regarding this matter. 

Absence of Recent Payment or Monthly Payment Information : The account details indicate that there have been no recent payments or monthly payments made towards the outstanding balance. However, I have not been informed about the payment options or provided with any means to settle the debt. 

Status Update : While the status was updated in XX/XX/XXXX, there has been no further information provided regarding the efforts made to locate the individual or resolve the outstanding balance. 

Given the discrepancies outlined above and the lack of communication regarding the debt, I kindly request that you review the status of the account and provide clarification on the steps taken to address this matter. Additionally, I would appreciate receiving information on how to proceed with resolving the outstanding balance.
Consumer complaint received 2020-04-08
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: SYNCHRONY FINANCIAL (TN)

First of all, I was not told the interest rate when the card was thrown on me, I was force to use it, when I wanted to pay for it, and when I got mail from them, the interest were to high, so I call them and told them my score wasn't right, which they said it was XXXX, and I know for a fact, that they would never give me a card, if it was low, because I apply for one, when it was it were over XXXX and they turn me down, so someone is lying, I need someone to look into this PLEASE I got the mail on XX/XX/2020 from XXXX 's that the day I talk
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information / and the removal of any fraudulent inquire that was made from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 BANKING 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 BANKING 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 BANKING The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-13
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I tried to submit a complaint through Equifax for hard inquiries on my account and answered all there questions and was told that my personal information was incorrect and that I need to fax them my drivers license. I 'm a little uncomfortable doing that seeing as my personal information on there end is incorrect. How do I go about fixing this and why is XXXX running my credit when that account is setup through email and does not have my social security number attached to it.
Consumer complaint received 2019-05-14
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)

Hi I am contacting you once again because these credit agencies keep reporting accounts that do not belong to me and I want them removed from my credit report at once and permanently not just for a few months and then when my credit score gets good then they report again. These companies are committing fraud and need to be stopped at once. I have written these companies and submitted police reports over and over yet they do nothing. I am XXXX and pay all my bills one time and Im a single mother of a XXXX child and these companies are destroying my life by the fraudulent reporting they do and they need to be stopped. I want this account removed off my credit reports because it doesnt belong to me and it is fraud Name XXXX XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2019 Status Collection account. {$1500.00} past due as of XX/XX/2019. 
Status Updated XX/XX/2019 Balance {$1500.00} Balance Updated XX/XX/2019 Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms Also XXXX and experian are reporting new hard credit inquiries from XXXX XXXX XX/XX/2019 which are fraudulent and do not belong to me and I want removed immediately off my credit report and also XXXX XXXXXXXX Inquiry from XX/XX/2019 + Bank XXXX Card Inquiry from XX/XX/2019 + Bank Which are fraudulent and do not belong to me and I want removed off my credit report at once. And I want those XXXX XXXX people to delete my information from there data base because it is fraudulent and that account that they are reporting doesnt belong to me and I want it removed at once.
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (GA)

To Whom It May Concern, I am writing to file a formal complaint against XXXX  regarding the unlocking of my devices following a payment made to a collection agency for a settlement offer. On XX/XX/2024, I made a payment to ( Amsher Collection Services ] for a settlement offer of XXXX arranged with XXXX. The agreed settlement amount was paid in full as per the terms provided by the collection agency. 

However, upon contacting XXXX to request the unlocking of my devices, I was informed that I would need to wait an additional 30 days before my devices could be unlocked and pay the full amount of {$1500.00} when I was given the option to pay the settlement amount which would settle the account. This information was not communicated to me before making the payment to the collection agency, nor was it outlined in any correspondence or agreement provided by XXXX or the collection agency. 

I have attempted to resolve this issue directly with both XXXX  and the collection agency, but I have not received satisfactory assistance. XXXX insists that I must wait 30 days for the unlocking process to be completed, despite having fulfilled the terms of the settlement offer. 

This situation has caused undue inconvenience and frustration, as I rely on these devices for communication, work, and my children. I believe that XXXX 's failure to unlock my devices in a timely manner after the settlement payment constitutes unfair and deceptive business practices. 

Therefore, I am requesting the following actions : XXXX. XXXX unlocking of my devices by XXXX. 
2. Investigation by the Consumer Financial Protection Bureau into XXXX 's policies and Amsher collection services and practices regarding device unlocking following settlement payments to collection agencies. 
3. Appropriate remedial action to ensure that other consumers do not encounter similar issues in the future.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I worked with XXXX and XXXX with USAA to get a 30 year fixed rate mortgage. They were able to walk me through the process, but at the end charged me an additional {$760.00} to waive escrow even though I had conversations with both XXXX and XXXX both via email and phone that I did not wish to waive escrow upon finding that there was a fee to waive escrow. I was assured it would be taken care of by closing day, but it never was. On closing day they said they could " try '' to help me, but in doing so they would further delay the process, which could cost me the loan and I'd have to restart the entire process. They claim that I never told them anything about this, but I have a call recording from XX/XX/XXXX and an email from XX/XX/XXXX showing that I clearly did not wish to waive these fees. 

I was also pushed into further debt by the recommendations from XXXX telling me that there was no way they could possibly close by XX/XX/XXXX and that I should secure another month in my rental home in Georgia as to not become homeless. I was then told by XXXX on a later date that I must move into the house on XX/XX/XXXX to secure the loan, putting me out by {$1300.00}. 

My third complaint, which I was advised by my Agent is that they never told me how much closing costs were going to be. I called and left many voicemails and sent numerous emails and they kept stating they would let me know closer to time, but even as I sat at the closing table, I had not received any final word from USAA to tell me how much I needed for a downpayment, and I'm told that they must legally do so within 3 days of closing. While this didn't necessarily hurt me, there are many people that this would have caused significant hardships to - especially if the final price was higher than the estimated price. 

Additional documentation and phones calls can be produced as needed.
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (VA)

I have received collection attempts from IC System, a collection agency that now represents XXXX on a mobile phone account. I filed a previous complaint against XXXX disputing the balance. I have filed a complaint with XXXX and IC System both disputing the balance. I have paid all monies I feel are legitimate charges and the balance of {$540.00} are international data overages that I was charged in error and have disputed these charges since they first appeared on my bill. Please see my original complaint below. 

I am writing to file a formal complaint against XXXX in regards to my mobile device account. I have been a good customer of XXXX until recently when I went outside the country. I was charged over {$1000.00} in international data overages after their communication with me explicitly stated that there was no charge for international data, only voice. After receiving my next bill, I called customer service for assistance. My calls were put on endless holds, continuously transferred to one person after another where I would have to repeat the reason for my call and these calls went on for hours. After over 2 months of these attempts for resolution, I finally closed the account. I have made payments on the account and tried one last time today to call for resolution, only to have the same experience. I was transferred more than 3 times, repeated myself more than I should and was on the phone for more than an hour.
Consumer complaint received 2022-01-06
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. (NY)

I do not agree with the company furnishing negative information to Experian. This company is not following federal guidelines. In attempts to injury and coerce payment of the alleged debt they have furnished many negative marks on my consumer report which are affecting my ability to obtain credit. Experian nor any other consumer reporting agency has my written permission to furnish any information without my written permission.