davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Lendmark Financial Services (PA)

On XX/XX/XXXX, the current account was paid, and the repossession fee has been satisfied. Upon checking my credit report, ( XXXX ) there is a repossession remark, and no updated payment history. A sum of {$1100.00} had been paid, and recorded on XXXX XXXX, XXXX. My payment was never recorded on their system, which constitutes fraud, and theft. These improper and unfair business practices has caused grave harm to my family both financially, physically, and emotionally. Ive satisfied all my pass due payments on the account. They never reported anything to the credit bureaus to inflict harm on my personal credit. I would like to seek a legal remedy as well as a removal of all negative items as they are a direct violation of my federal rights as a consumer. Please protect me. This company has numerous prior class actions lawsuits reflecting their unfair business practices. I received the highest interest rate, with no opportunity to rescind or cancel the loan.
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I contacted XXXX XXXX Credit regarding a Hard Inquiry placed on my Equifax report dated XXXX. XXXX XXXX Credit has no account or a record of application. XXXX XXXX Credit refuses to submit a removal or resolve the situation with Equifax as Equifax needs XXXX XXXX Credit to start the removal.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bay Shore Finance, Inc. (MS)

I HAVE BEEN TRYING TO GET THIS ACCOUNT RESOLVED SINCE XX/XX/2019. I HAVE INCLUDED A COUPLE OF THE LETTERS HERE TO SHOW YOU JUST HOW HARD I HAVE TIRED TO GET THIS ACCOUNT CORRECTED. THIS COMPANY EVEN THREATENED ME I HAVE INCLUDED THE LETTER HEAD HERE. THEY DID NOT ONCE COMPLETE VALIDATION FOR ME IF THEY WOULD HAVE PREFORMED A PROPER INVESTIGATION THIS ACCOUNT WOULD NOT STILL BE REPORTING AS OPENED. THIS COMPANY WAS ALSO HOLDING THE MONEY ORDERS THAT I WAS PLACING IN THE DROPBOX AND NOT PUTTING THEM TOWRDS MY PAYMENT SO THAT THEY COULD REPO MY TRUCK. THEY ALSO DAMAGED MY VEHICLE. PLEASE REVIEW ALL DOCUMENTATION AND LETTERS WELL. I WILL ALSO BE FORWARDING THIS INFORMATION TO A LAWYER AS BAYSHORE FINANCE AND XXXX  HAVE BEEN CAUSING ME AGUISH FOR THE LAST 2 YEARS. THEY HAVE CAUSED ME TO GET DENIED FOR THINGS THAT I WOULD HAVE GOT APPROVED FOR IF THIS ACCOUNT WAS NOT REPORTING INCORRECTLY. VERY UNOPROFESSIONAL I DID A BAD REVIEW FOR THIS COMPANY AND THEY ACTUALLY TIRED TO EMBRASS ME PUBLICLY ON XXXX TELLING PEOPLE I AM ALWAYS TRYING TO GET MY CREDIT FIXED. 

THIS COMPANY CLAIMED THEY SENT ME 3 RESPONSES AND I DID NOT RECEIVE THEM I ONLY RECEIVED THE ONE I HAVE. DO THEY HAVE PROOF THAT THEY ANSWERED MY REQUEST. I HAVE MY CERTIFIED MAIL SLIPS THAT SHOWS WHEN I CONTACTED AS WELL AS MY LETTERS. THIS UNPROFESSIONAL COMPANY SHOULD BE MADE TO FOLLOW THE LAW AND REMOVE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (ID)

I have a XXXX XXXX credit card not showing up on all XXXX bureaus ' reports. I got the credit card in XXXX 2015. It 's been more than 90 days and I still have not seen the card showing up on the reports. I called all of them. Experian helped me to submit a dispute, which then gets solved in 1 day. My credit card now shows up on XXXX 's report. However, after calling XXXX and Equaifax, they refused to submit a dispute ( claiming a dispute can only submitted for an existing account which makes no sense ). I need the credit card to show up on all XXXX reports.
Consumer complaint received 2016-07-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: JPMORGAN CHASE & CO. (MD)

I am working on fixing/resolving my credit. I have XXXX student loan accounts where I am looking to resolve the debt. Upon contacting the lender, to work out a resolution on XXXX XXXX, 2016, I was told the debt was wrote as a " bad debt '' to the IRS, and there was n't a rehabilitation program, unless lump sum amounts were paid.
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (OH)

I was denied the Extended Payment option benefit on my Platinum American Express Card. See page XXXX of the PDF where the option to pay over time is listed and pages XXXX-XXXX where the benefit is described. There is no mention of only select accounts are eligible and this feature is a factor in my decision to keep this product. This appears to be a misrepresentation of implied benefits.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681.

The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy.

15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Delete the accounts below
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (FL)

Applied to XXXX to be a driver. XXXX used a company called Checkr to run a background check. Checkr got back to XXXX about a case here in my county that I had been promised my first offense would be expunged after paying off the court. The following has been sent to XXXX by Checkr : Case Number XXXX File Date XXXX XX/XX/XXXX Court Jurisdiction FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX State FL Full Name XXXX XXXX XXXX DOB XXXX XX/XX/XXXX Charge XXXX XXXX XXXXXXXX Charge Type XXXX Disposition ADJUDICATED WITHHELD Disposition Date XXXX XX/XX/XXXX Plea XXXX Charge XXXX XXXX  XXXX Charge Type XXXX Disposition ADJUDICATED WITHHELD Disposition Date XXXX XX/XX/XXXX Plea XXXX Charge XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Type XXXX Disposition ADJUDICATED WITHHELD Disposition Date XXXX XX/XX/XXXX Plea XXXX I have been rejected as a driver because of this and would like it corrected.
Consumer complaint received 2017-02-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland collections is collecting a debt of mine from XXXX XXXX. The date of activity is long after I stopped using this account. I may be the victim of identity theft for a portion of this balance. I asked Midland to provide a list of charges on the account. The individual replied : " We do n't have to do that. We only have to give you the application which I will request. '' The Fair Credit Reporting Act provides that a consumer may request a detail of charges on an account that may be a result of identity theft. And that the creditor MUST provide that detail in no more than 30 days.
Consumer complaint received 2015-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Focus Holding Company (NY)

I use XXXX XXXX Service at my house. My account number is XXXX. According to my credit report, Focus Receivables Management, along with XXXX XXXX XXXX, fraudulently tried to embezzle {$170.00} and committed other illegal acts such as grand larceny and trespassing on private property illegally. At this time, an unknown party, illegally removed the XXXX XXXX XXXX XXXX from my house and committed grand larceny in the process. I have a clear copy of my credit report. I also have a clear copy of my contract with XXXX XXXX. I am ready to consider a lawsuit against all co-defendants in this situation. I have never contacted XXXX XXXX XXXX or its affiliates. I never have conducted any type of business with them. They did not have lawful permission to be at my place of business. I am the XXXX of XXXX XXXX, a small consultation firm. I also have legal representation and I am ready to file a lawsuit against all culpable parties. The information on my credit report is not accurate. It is a result of grand larceny and identity theft. Additionally, XXXX XXXX XXXX and Focus Receivables Management are claiming that the information on my credit report is more than 7 years old, a time period that is beyond the legal statute of limitations in NYS. The Fair Bulling Credit Act does not allow this collection agency to illegally put this false information on my credit report.
Consumer complaint received 2023-03-19
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC 1681, Section 602 states I have the right to privacy. 15USC 1681, Section 604A also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 166B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had called TransUnion XXXX XXXX XXXX XXXX. To correct incorrect addresses displayed on XXXX XXXX. Under current address had read my previous home address was displayed and also with XXXX XXXX XXXX address. Under previous address read my current address. I had called XXXX number from TransUnion XXXX XXXX website. Yesterday on Monday XX/XX/2022 at about XXXX pm. TransUnion representative said over telephone that issue with incorrect previous and current addresses would be fixed immediately. This morning on Tuesday XXXX, XXXX 2022 at about XXXX am. I opened my XXXX XXXX account with TransUnion and found that complaint I had made to TransUnion was not corrected.
Consumer complaint received 2019-02-18
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: Colony Brands, Inc. (NY)

This company XXXX XXXX claims I have an credit account with them, although I have ordered from this company in the past I have never used their credit services, I always paid them with my personal debit account. But they insist that I started an account with them, which I did not.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MI)

I applied for and was approved on XXXX/XXXX/16 to receive the American Express Platinum charge card with a XXXX membership rewards point bonus for spending {$3000.00} in the first 3 months. I had met the minimum spend requirement and received the XXXX point bonus on XXXX/XXXX/16. My account was then adjusted and removed the XXXX bonus points on XXXX/XXXX/16. I have called and contacted American Express membership rewards program, and they have cited that I placed spend on prepaid or re-loadable cards or other cash equivalents. I contend that I met the minimum spend without violating the terms and conditions, and the bonus XXXX points were wrongfully removed from my account.
Consumer complaint received 2022-02-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/XXXX my insurance company, XXXX, paid my finance company, Regional Acceptance Corporation, a settlement check for {$8500.00}. The payoff amount is {$12000.00}, leaving a balance of {$3200.00}. I received a list of documents necessary in order to file the GAP Claim. I had to contact my auto dealership for the XXXX XXXX XXXX that was totaled by a deer on XX/XX/XXXX which I did, and they sent me the necessary paperwork. Then I had to contact my insurance company for specific paperwork which they sent to me in a prompt manner. Next, I had to ask my finance company, Regional Acceptance Corporation, for certain documents, as follows : Finance Agreement/Retail/Installment Contract, copy of signed GAP Addendum, their preferred GAP payment mailing address, my payment history which must show insurance check posting, all transactions from beginning of loan thru present and including running principal balance from beginning of loan thru present ; and the payoff as of date of the loss and how it was calculated. Date of loss is XX/XX/XXXX. Vehicle is a XXXX XXXX XXXX. Regional Acceptance Corporation still needs to send me their preferred GAP payment mailing address, my payment history, and the payoff as of the date of the loss and how it was calculated. I have emailed and called numerous times. I have provided a detailed contact spreadsheet.
Consumer complaint received 2016-09-26
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Main Street Personal Finance (LA)

On XXXX XXXX, 2016 I paid {$55.00} ( receipt ) is attached. That brought my remaining balance to {$300.00}. The lady advised that since I was just renewing my loan I would have to write her another check for {$350.00}. I explained that I did not have any more checks. She said you can bring your check in when you get it, but just pay the {$55.00} to avoid the check being deposited. I went to the loan store on XXXX/XXXX/16 to render the check. She told me that they had cashed the original check for {$350.00}. She apologized and said that all she could do was possibly refund the {$55.00} I paid ( when i asked for the refund she said she could not do it at this time ). My complaint is that my balance owed on my account was {$300.00} on XXXX/XXXX/2016 and they cashed a check for {$350.00} on XXXX/XXXX/2016. I did not authorize that transaction and it is fraud. They told me if I paid the {$55.00} to renew my loan they would not submit it to be cashed as I had settled my debt with them.
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (FL)

e : CFPB Submission # XXXX I am submitting this through the formal complaint process in the hope you can resolve a dispute over my request to close a credit card account. As attorney-in-fact under durable power of attorney for my aunt, XXXX XXXX XXXX, who resides XXXX, I have closed all but XXXX of her many credit card accounts following the death of her husband. However, the bank that issues the XXXX credit card ( U.S. Bank ) refuses to close that account ( ending in XXXX ) unless I agree to add my name to it by providing the bank with my SSN, DoB and other personal identifying information. I have furnished all relevant documents to the bank, at its request, documenting my status as her representative specifically empowered by the PoA to close her financial accounts. I even have provided a medallion-stamped attestation of proof of identity signed by the XXXX XXXX XXXX where I do my personal banking. ( I have sent copies of all correspondence to CFPB at the time they were mailed to the bank. ) Meantime, U.S. Bank has sent her a new credit card on the account ( which I have shredded ), increased the credit limit and is mailing monthly statements which, while showing XXXX balance, spell out the account number in full. As my aunt 's financial representative, I am responsible for paying her very substantial monthly full-residential-care and medical bills, a responsibility I take very seriously. For that reason, I have worked diligently to make sure that all of her credit card accounts are closed and to eliminate risks to her financial solvency. At the same time, I am protective of my own personal identifying information, which I do not share with financial institutions other than my own. Please let me know if you require additional information/documents to proceed with this formal complaint. Thank you.
Consumer complaint received 2015-11-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: ATG Credit, LLC (IL)

This is the third complaint regarding ATG. Yesterday I received in the mail a collection letter after XXXX XXXX XXXX sent a cease and deist letter. What part of cease and deist is n't understood?
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (CA)

I have disputed this account with the company and they have verified the amount. furthermore they have posted that we have agreed on the account as being a debt, I have no knowledge of this creditor nor have gotten any contract stating I owe them. Either show something in writing that I owe on this account or please remove from my credits reports
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

I made a payoff on my account as I sold the house that I was living. I closed on XX/XX/2015, and funds to pay off the balance was received by Wellsfargo on XXXX XXXX, 2015. By law they say that they need to hold onto the escrow funds for an additional XXXX days ( all this time they hold the money and I earn no interest ). Today is XX/XX/2015 and I have not yet received the escrow balance in a check that they supposedly cut on XXXX XXXX, 2015. I have contacted them three times asking where is the check with the balance -- Wellsfargo only says that they have cut it on XXXX XXXX and it should have been mailed ( they have the right address ), but no funds yet. I believe that this is how they make money ; they keep people 's money for longer periods, as long as they can hold onto as it is " free of charge money '' and in the meantime if we are late on payments they charge us fees plus daily interests.
Consumer complaint received 2015-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (GA)

I have contacted this company on several occasions asking them could they verify the debt. They stated for me to contact verizon for the contract. I contacted XXXX and they told me contact the PINNACLE CREDIT SERVICES LLC. They are giving me the run around. And this debt is not mine. It was fraudulent and I have contacted them letting them know this!!! They are n't giving me any steps what to do next.
Consumer complaint received 2016-06-23
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica (WI)

I am the XXXX for my son 's SSI benefits via the Direct Express debit card. On XXXX XXXX I tried to withdraw $ and had a {$0.00} balance. His deposits are on the XXXX of every month, XXXX was no exception, that '' s verified. The transactions were made XXXX ( I live XXXX ) with a cloned card according to the XXXX XXXX fraud department. ( where the major transactions were made ), I filed a police report locally as instructed and filed Direct Express fraud packet. They say they have received it, but it will take XXXX90 days to review. ONE phone call could clear up any issue that I had anything to do with this! NO REFUND..I 'm about to be evicted! ANYONE you talk to on the phone gives you the runaround! I see after doing some research, MANY people experienced the same thing! In XXXX or previously! Something is being breached within that company! Too many people with the exact same story ... .and no $ returned!
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX2023 I mailed out a notice to Experian XXXX giving them 14 days to correct my information because it was a misrepresentation of me. They did not reply in writing as I had asked for them to. On XX/XX/XXXX, I made a claim through the CFPB regarding the incorrect address along with other incorrect information which I had found out that was being reported on my credit report. Today is XX/XX/XXXX and majority of the incorrect information is removed, except for the incorrect address in which I have not resided in for the last 3 years.
Consumer complaint received 2016-09-16
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Asset Management Outsourcing, Inc. (GA)

We were contacted by this company in the summer about a medical bill that was unpaid. When the representative reviewed the bill it was discovered to have been filed under the wrong insurance. We gave the representative the correct insurance information and she assured us she would refile. We did not hear from them again until XXXX XXXX, 2016. On XXXX XXXX Nationwide called my husband multiple times during the day. When he explained to the representative that the insurance needed to be refiled she became belligerent with him and began insisting that he MUST pay the debt right then. He tried explaining to her that the insurance needed to be filed with the correct patient and number but she did not listen.