davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (GA)

XX/XX/XXXX ; I advised my mortgage company. that I was reviewing my XX/XX/XXXX escrow account online and advised them that they did not have my new insurance rate for the year. They had updated tax rate and even showed what my new payment would be starting XX/XX/XXXX and I was the one advising them of the new insurance rate. 
When I was transferred to the tax dept. and the new rate was put in which Went from {$680.00} per year to {$720.00} per year ; which is only a {$41.00} difference ; the new escrow was refigured and instead of charging me an increase in escrow of {$41.00} ; they were calculating a {$89.00} yearly increase. I asked why and they said that is to take care of projected increase for XX/XX/XXXX. 
I was tired of trying to explain that we are dealing with XX/XX/XXXX escrow and not XX/XX/XXXX. 
I have had problems in the past with this bank as they do not keep up with the tax and insurance information. 
They are very hard to communicate with as their employees have very little English skills. 
Please advise how I can get this corrected. 
Thank you.
Consumer complaint received 2019-05-15
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (MI)

I went on the " XXXX XXXX XXXX '' website and was referred by General Motors/XXXX to XXXX XXXX. I took the vehicle home on the advertised, `` drive our car for 3 days and if you don't like it, return it without every purcharsing policy. 
I attempted to return the vehicle on XX/XX/2018, the day after I took the vehicle home and was not satisfied with it. General Motors/XXXX and their agent XXXX XXXX signed my name to a fraudulent sale, in violation of laws of the State of Michigan and United States Government.
Consumer complaint received 2018-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (VA)

I have received three letters from National Credit Adjusters ( XXXX XXXX. XXXX XXXX, XXXX, KS XXXX ) that claim I have a {$1400.00} debt from XXXX. I also have had several telephone calls from National Credit Adjusters. 

On XX/XX/XXXX I sent a letter to NCA saying that I had no such debt and have never had any dealings with XXXX. 

On XX/XX/XXXX National Credit Adjusters sent me a form letter that says they are enclosing copies of information I requested. I did not request information. The information NCA sent is a XXXX loan form with my name on it ( incorrect telephone number ), allegedly signed on XX/XX/XXXX ( but with no physical signature ). The IP address that I allegedly signed from is in XXXX, AZ. I was not in XXXX, AZ on XX/XX/XXXX and have never had any contact with it. 

I have checked with the credit reporting companies and can confirm that there is no such debt on any of my credit reports.
Consumer complaint received 2018-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

Hi There is a company trying to charge me {$13000.00} for an apartment lease that i was only in the apartment for 2 months the rent was {$1300.00} i had to break the lease and was paying the rent on past month as well as let them keep security deposit. They tried to make me pay an extra 2 months of rent and i was advised not to. They sent it to collections and charging me for the entire lease at XXXX and it went up over the past 2-3 years to XXXX
Consumer complaint received 2018-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to resolve this matter over and over with no results XX/XX/2018 XXXX XXXX XXXX {$610.00} XX/XX/2018 XXXX XXXX XXXX {$230.00}
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

I used the OneMain website to inquiry about their personal loans and their website is very clear that it will be a soft pull on your credit report. They in turn did a hard pull. I twice asked them about this and they gave a standard answer. I have attached all documention and have sent letters to all 3 credit reporting agencies to have this inquiry removed. All pertinent information and proof is on the letters I have provided.
Consumer complaint received 2018-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

Two items I'm disputing, first one is : Months ago, maybe a year ago, I noticed that there was a " debt '' showing as unpaid on my credit report. I contacted the dr 's office ( XXXX XXXX in XXXX XXXX, FL ) and they agreed that it was paid years ago and it shouldn't have gone to collections, they said they'd fix it. They didn't - I contacted them several times and each time they didn't correct it. I wrote a letter in XX/XX/XXXX. I received notice from XXXX stating they corrected it. But now I still see it on XXXX ' report. See below. 
Updated collection, XXXX XXXX XXXX, XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS, BUSINESS TYPE, ACCOUNT TYPE/STATUS, BALANCE, XXXX XXXX XXXX XXXX, UNPAID, $ USD XXXX Second dispute is : New collection, AR RESOURCES INC, XXXX, XX/XX/XXXX BUSINESS NAME/ADDRESS, BUSINESS TYPE, ACCOUNT TYPE/STATUS, BALANCE AR RESOURCES INC, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, Collection, {$100.00} This is for another medical bill from XXXX XXXX XXXX. I had made arrangements for monthly payments and I paid it off even sooner than agreed. I contacted both XXXX XXXX XXXX and AR Resource. When XXXX XXXX said I didn't have a payment plan, I asked them to have a supervisor call me, I'm still waiting for the call!. The balance is XXXX on this and should not have gone to collections! 
It's frustrating to get medical care, pay your bill and still get sent to collections - probably due to the incompetence of entry level reps. So here are two medical offices that people should try to avoid!
Consumer complaint received 2019-05-15
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 (CA)

I was on XXXX website looking up tickets for XXXX to XXXX and an American Express offer popped up that if I apply and get approved for the Delta Skymiles card, I would get {$250.00} credit towards my XXXX ticket purchase if made within 30 days of account opening, also get XXXX miles if {$3000.00} in purchases was made within 3 months of account opening. I applied and followed the instructions on the prompt and was approved immediately with a welcome letter. I was given a {$1000.00} temp credit to purchase my ticket then and given my account number to use. I got the card in the mail with {$20000.00} credit line and spent {$4000.00} in first month and paid it in full. I never got the {$250.00} Delta airlines credit or the XXXX bonus miles. When American express was contacted regarding issue via phone on XX/XX/19, I was informed that I wasn't eligible for the offer and they will investigate further. I never received any letter or indication on the prompts that I was not eligible for the offer, especially since they gave me the temporary card number and {$1000.00} to use for my XXXX XXXX purchase. On XX/XX/19, I contacted American Express again and they had completed their investigation and said the same thing again. They could not provide me with any proof that I was not eligible for this offer, then why approve me? My welcome letter indicated no such information of ineligibility, which should have been if the case was such so. This is false advertising and I was scammed into opening their card and paying a higher fee for an airline ticket thinking I was getting credit when I could have bought with another airline for half the price.
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (SC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-10-28
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX I contacted capital 1 bank by phone to acquire about my direct deposit not being seen in my checking account I have with them its when I was informed that my account was negative for XXXX for 30 days so they closed my account and my direct deposit in the amount of XXXX was received but wouldnt be available due to the bank removing what I owed already and a check with remain balance will be sent out. On XX/XX/XXXX I called again they assured me that it was mailed out and I should receive in the mail. On XX/XX/XXXX I called again to inform that I never received it so they tracked it showing never cashed then said Id receive another on XX/XX/XXXX I called again to ask what happened I never received my check they then said a affidavit would be mailed so I can sign them send back before reissue for another check but I still never received a affidavit or a check. Its now almost XXXX and they still never sent anything
Consumer complaint received 2018-01-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

My name is XXXX XXXX XXXX on the XX/XX/2017 i wanted to send money to XXXX to my family. When i went to western union XXXX, i was refused by the western union that i can not sent money western union USA has block your name. I send my email to XXXX XXXX XXXX USA unit. they responded by sending me a restatement form which i filled in on the same date, and they said within 5 days they will respond. Western union USA asked my copy of my passport, proof of employment a copy of contract all this i send to western union. 
My complaint is that they is no due care western union are personal document. when they request this document they do not put the contact and name of person request for very important documents from western union .Is this professional. Western union after taking a copy of my pass port, contract of work .work visa and details of my wife. they have not come back to me .help i am scared may be it fraud scam to steel my documents. Because western union has office and argents in each country to close check identify face to face instead of asking through internet why can they ask the agents to check the identity .Right it is 7 days western has not able to help and i can not send money to my family. 
Kindly help me. XXXX XXXX
Consumer complaint received 2018-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I Looked up my credit report and found an account that i did not know about or received letters to my address From Portfolio Recovery. The account dates back from XX/XX/2014 As i did not have any credit card open. This is an identity theft under my Social Security Number. I was not contacted by Portfolio Recovery and i was not mailed about this debt.
Consumer complaint received 2018-01-28
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. (GA)

Dept of ed. {$63000.00} Tax lien {$82000.00} XXXX XXXX {$1800.00} Tax lien XXXX {$430.00} Tax lien {$13000.00} On several attempt I have contacted the bureau to investigate these account due to the being fraudulent account and or doesn't belong to me. I have asked that they investigate them and sen me supporting document and not just say that the account was verified as that is what happened. The felled to comply and send supporting document as I feel sas if the account may not have been investigated properly.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank reported that the account was past due ON THE DATE that I made the past due amount ( which technically the payment was scheduled beforehand ) - X/18/2018. The fact that they reported this after or on the day that the account was no longer delinquent expresses vast incompetence on their part and an intentional yet destructive abuse of the reporting system. 

If Synchrony does n't reverse this, I will seek damages as a result of their false reporting. I also know of other members who have reported the same issue with this bank and we are collectively in the beginning stages of considering a class action lawsuit. Cardmembers take false information very seriously, and it will not be tolerated, no matter who you are or what you represent. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2019-03-06
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: U.S. BANCORP (NV)

I have a loan with XXXX XXXX and US BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  XXXX XXXX and US BANK with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2018-01-28
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)

In XXXX of 2017, I started sending Experian letters to verify items on my credit report. They never did provide me proof of original documents for the items that are on my credit report. The Federal law states they must delete any items that they are not able to provide me proof of original documentation. I have sent them four letters.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MI)

I have a Walmart Store Credit Card where I am being charged for goods I did not purchase and the store will not credit my account, issue me an accurate statement so I can make timely payments as I always have and keep the account open.
Consumer complaint received 2018-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The referenced accounts have been reporting on my consumer credit file in error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (MD)

On or about XX/XX/2019 I noticed while looking at account a lot of pending charges that occurred in the XXXX. I new I didn't charge it so I called till blue in the face and I finally got a person on the phone from Direct Express. I explained it to her and she stated there was nothing she could do while the charges were pending. I got off the phone and called a bunch of times with no luck. I the looked at the card for the bank that was backing Direct Express. The gentleman from this company got someone from Direct Express to assist me. With that I filed the complaint and was told Direct Express would send me paper work to fill out and fax back before XX/XX/2019. I have never gotten the paperwork and time is running out. He had in front of him all my info on my account and was going trough the fraudulent charges from the XXXX. I have made many attempts to get back in touch and get these charges reversed and put my money back. Every cent I have is crucial to me. Last contact with them was XX/XX/2019 spoke with XXXX he gave me this number : XXXX. Direct Express was good to me until I needed help. I feel they dropped the ball completely.
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Americas Car-Mart, Inc. (AR)

After numerous efforts to resolve this I am hoping you can help. 

XXXX XXXX, on an account I paid in full : Account number XXXX Opened XX/XX/12 For some reason is reporting in violation of the FCRA that I was past due 30 days, this is simply inaccurate to my consumer report. 

I did not realize but I am being denied favorable credit terms and this inaccurate reporting is causing it. I have retained XXXX XXXX XXXX  on an unrelated manner, but I figured surly on a paid account the creditor would correct their inaccurate records without legal action. 

Thank You!
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (AR)

ACCOUNT NUMBER XXXX MONTHLY AMOUNT {$380.00} DUE DATE XX/XX/XXXX WELCOME TO MYACCOUNT XXXX MAKE A PAYMENT RECURRING PAYMENTS ACCOUNT HISTORY MY MESSAGES MY DOCUMENTS FINANCIAL LITERACY AND YOU USER PREFERENCES LOG OUT MESSAGES INBOX SENTDELETED CREATE MESSAGE DELETE FROM SUBJECT DATE TOPIC XXXX No late payment, all payments were made, Total recovery was paid and cleared out. XX/XX/XXXX XXXX XXXX Credit Bureau Inquiry XXXX payment made XX/XX/XXXX XXXX XXXX Payment Inquiry Showing 1 to 2 of 2 entries ACCOUNT SUMMARY CONTRACT Contract DateXX/XX/XXXX Maturity DateXX/XX/XXXX APR ( % ) 22.62 Org. Amt. Financed {$14000.00} Monthly Payment {$380.00} Amount Remaining {$0.00} Payments Made13 Months Extended0 VEHICLE Model YearXXXX MakeXXXX   ModelXXXX Last 6 Digits of VINXXXX GET PAYOFF I have enclosed proof where this account was never late and has been paid in full. Its still being reported negative on my credit report.
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc. (WI)

The debt being collected is NOT mine, it belongs to my mother. I don't know how they got my contact information. The company is " Professional Debt Mediation '' ( XXXX XXXX XXXX  ). This is not the first time they've repeatedly called me, last time was about a year ago, but they got aggressive this time. 

I received calls from the following numbers on the following dates and times : ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX
Consumer complaint received 2020-10-09
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. (MA)

After disputing several accounts in on XX/XX/2020 with XXXX, they continue to report inaccurate information on several accounts and provide proof that these are my accounts after requesting factual disputes. I've submitted disputes online and info was updated and that was it. These accounts are reporting different amounts and dates at all three credit bureaus, so they need to be deleted off of my reports immediately. I asked that provide any original contracts signed by me, payments, and any communication sent to me from XXXX XXXX and they haven't. 

XXXX XXXX  - Acct # XXXX ( Please see attached screenshot of how it's reporting different amounts and dates on all three bureaus and the repossession letter ). Account needs to be deleted from all three bureaus as soon as possible as this is illegal and I will take legal action. 

XXXX XXXX - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX. 

XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX I know my rights from Title 15, USC 1692. I have the right to sue for violations of the US.

Any assistance will be greatly appreciated.
Consumer complaint received 2018-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (IL)

Chase bank charges extended overdraft fees which cost more than what they paid for {$5.00} I got {$34.00} overdraft fee then a {$15.00} extended overdraft fees! On XX/XX/XXXX I was charged {$34.00} for recurring fee. For {$19.00} charged {$34.00} overdraft fee and {$15.00} extended fee. These are fees from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX