davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
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: Experian Information Solutions Inc. (PA)

I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge. EMPLOYER - XXXX XXXX XXXX - I DO NOT WORK AT THIS ESTABLISHMENT AND NEVER HAVE. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. INQUIRY - XXXX MAIN - INQUIRY MADE ON XXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. INQUIRY - XXXX BANK NA - INQUIRY MADE ON XXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS MAKING MY XXXX XXXX GO DOWN. I WANT MY CREDIT REPORT CORRECTED IMMEDIATELY AND A FRAUD INDICATOR PLACE ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.
Consumer complaint received 2017-12-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (MI)

I turned in my vehicle on XX/XX/XXXX. I had Billpay set up for auto payments and accidently paid an additional {$500.00}. I contacted GM Financial by phone and email on XXXX/XXXX/XXXX, XX/XX/XXXX &XX/XX/XXXX. I provided a copy of my bank statement showing the overpayment. Since then customer service has given me a different story including that I had to wait for car to be auctioned, checked for overmileage ( turned in XXXX short of miles I paid for ), and then I would have to wait 90 days. The possible damage ( which there was n't any ) has nothing to do with the fact that I fulfilled my lease contract and overpaid {$500.00}. I am getting a different story each time I call customer service.
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My mother and I have both permanently opted-out of credit card offers. I have submitted the paperwork twice 5 years ago and again last year. We still get relentless offers by mail from Capital One. They will not stop
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIGY USA CORP. (CA)

This all started in XXXX of XXXX. I had a XXXX XXXX credit card that was financially backed by XXXX. I could no longer pay due to unemployment and it went to bad debt. Eventually XXXX discharged the debt ( was written off ) and the account was closed. 

On XX/XX/XXXX I was notified by my bank, XXXX, that somehow the XXXX XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX XXXX had acquired my credit card account information and was requesting any payment information. Is that legitimate? I mean how did he get my credit card account number? 

Does this go beyond the statute of limitations? 

I was never sent a notice through mail of this subpoena.
Consumer complaint received 2022-08-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Lendmark Financial Services (CA)

the company Lendmark financial services made an arbitrary change of location of the store without my consent also their application stopped working and they gave me a phone number so I could look for the solution in which they do not have staff to help in XXXX and when I call them They only behave rudely and put me on hold on the phone and they don't want to expose me to the store manager, they claim that the location to which they sent me is better for me without consulting me.
Consumer complaint received 2022-01-08
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2020-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (WA)

Debt Collector Company : Transworld Systems Inc. 
-spoke with : XXXX XXXX -phone : XXXX Medical Provider : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -spoke with : XXXX XXXX : XXXX Insurance : XXXX XXXX XXXX XXXX XX/XX/20 XXXX -Letter received from debt collector for {$120.00} XX/XX/20 : -I paid in full to prevent reporting to credit bureau but found out that provider billed insurance incorrectly. 
-I asked for and received full refund from debt collector while provider reprocesses insurance. 

XX/XX/20 : Provider reprocessed claim and new amount I owed was {$0.00}. They removed my name from debt collector list and notified debt collector via email XX/XX/20 : -Debt collector calls me saying I owe them money for {$120.00} this time for same date of service. 
-I called my insurance who verified that I owe {$0.00} and sent me explanation of benefits -I called provider who verified that I owe {$0.00} and will make sure I am removed from their debt collector list but refuses to call debt collector directly to resolve the issue. 
-I called debt collector who says I still owe them money and even though my account is in dispute status, they may report me to the credit bureau , permanently affecting my credit. They refuse to contact my provider directly to resolve the issue.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (SC)

Hello, I have 6 synchrony store cards which are current or paid in full. 2 cards has been closed by synchrony with no explanation and I had to call to have them send an explanation. The 2 cards are for XXXX and Lowes. I did advise synchrony in 2022 when i was laid off of my job and was out of work from XXXX, but was managing my accounts so that they would not default. My lowes card was the first card they closed and last month my empire card was closed, which this account was never late. These closed accounts has been reported negatively on my credit reports.
Consumer complaint received 2018-09-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (TX)

this complaint is against Wells Fargo bank my account # XXXX i was and am going thru tough money times ) i got divorved at age XXXX __ -- this was m not planned i have acumilated {$180.00} in late payment charges and was never offered to have a payment defered.i was only informed of a payment deferal thru my current debt resolution company ) XXXX XXXX XXXX= i am NOW current on my truck payments after defering one payment.wells fargo let me accumilate {$180.00} in late chatges two years of late charges than offer me a soluction by defering a payment or lowering my intrest rate ) 10.9 % wells fargo is greedy and prefers getting two years of monthly late charges than to OFFER me a payment deferal .I want wells fargo to remove ALL my late charges for being deceptive by ommision thank you
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (TX)

I got a notification on a credit monitoring site I use saying there was a new collection for the amount of {$130.00} but there is no info on what type of collection it is. The companies name is " merchants credit guide '' out of XXXX upon further investigating through my states ( Texas ) secretary of state website they do not have a license to be collecting in Texas since 2007.
Consumer complaint received 2018-09-19
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: SUNTRUST BANKS, INC. (OH)

On XX/XX/2018 I was sent two collection letters from XXXX XXXX claiming I owed XXXX debts to Suntrust Bank. I sent XXXX XXXX a letter of Debt Validation and they sent me back two letters, one stating they no longer had the debt in possession and the second they sent a print off of a balance bill. I have Never heard of Suntrust Bank not have I ever opened any accounts with them. In XXXX of 2018 I realized I was a victim of Identity Theft and immediately placed security freezes and fraud alerts on all three ( 3 ) of my credit reports. I have been dealing with Identity Theft and trying to fix the problems it has caused since the XXXX data breach. I than order copies of all the specialty credit reporting bureaus and noticed Suntrust Bank reporting to XXXX XXXX. I have enclosed a copy of my Identity Theft Report and supporting documents for verification. As I stated, I have never opened any accounts with SunTrust Bank and this is a result of Identity Theft.
Consumer complaint received 2017-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

On XX/XX/XXXX I paid my XXXX credit card bill via online from my XXXX account that I had sent before with no issues. XXXX ( whose payments are processed through Comenity Bank ) said they never received it. I have been reaching out to both XXXX and Comenity Bank who have repeatedly sent me back and forth to each other. I spoke to someone from XX/XX/XXXX when I received a bill from them saying that a payment was never received for the XX/XX/XXXX payment. I have proof from my personal account showing the payment was sent and received electronically from them. I 've spoken to several representatives between both of them. Some of the names are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and several letters from the customer care team. This is frustrating and I 've been really patient up to now. My credit score has taken a nosedive ( XXXX points and counting ), and my latest statement from XXXX XXXX is now {$330.00} which is all fees plus the {$98.00} they claim they never received.
Consumer complaint received 2017-12-26
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. (FL)

EQUIFAX, XXXX, AND XXXX HAVE FRAUDULENT INFORMATION ON MY REPORTS IN MY NAMES AREA OF MY FILES THIS IS THE FRAUDULENT NAMES. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) MY SOCIAL SECURITY NUMBER ENDS WITH ( XXXX ) THERE IS A VARIATION THAT END ( XXXX ). I HAVE ATTACHED MY POLICE REPORT TO PROVE THE FRAUD THAT WAS DONE IN MY NAME.
Consumer complaint received 2023-04-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN HONDA FINANCE CORP (IL)

I just filed two complaints with you against Honda Financial Services not working with me on my auto loan which will be paid off in XX/XX/2023 and harassing me by phone and now they are sending repo people to my door!!! I work for the XXXX XXXX XXXX XXXXXXXX  this is not only incredibly unfair and abusive and disrespectful, but a clear breach of Executive or 16 which XXXX XXXX put in to affect when the Covid pandemic started and has kept in affect and will continue to be in affect until at least XXXX, XXXXXXXX XXXX and could still be extended out further if he and Biden choose to do so!!! 

This order clearly states repossessions are not legal ; Executive Order 2002-16 prohibits any repossession of vehicles authorized by 810 ILCS 5/9-609 or 625 ILCS 5/3-114 for the duration of the Gubernatorial Disaster Proclamation, which is still in affect and will not end until XXXX XXXX or later!!! The idiots working for Honda Financial Services and their repo agents are in breach of the law and I WILL have them arrested and sue them if they come to my home or bother me again!! 

I know the laws and everyone at the police station as I worked as a deputy clerk helping l the judges and XXXX XXXX the circuit clerk foretell years before going to work for the State of IL IDES AND I have also reached out to XXXX XXXX ( the boss over our agency ) and XXXX XXXX ( his boss ) and my Republican State Rep XXXX XXXX about all!!! 

You should have made this clear to Honda Financial Services in the complaints I just filed as a federal regulator of financial institutions, the laws must and will be followed!! You can contact XXXX XXXX if you dont have the memo and zi have included some information for you to learn and share!
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America closed my account that I share with my husband. They locked all of our funds and are refusing to give them back to us ( over {$5000.00} ). They are claiming its because my XXXX  loan went into my personal account. The gentleman Ive been speaking with at the bank told me XXXX  would need to call them to get the funds. XXXX  says in no way shape or form will they do that. Its a loan that I am responsible for. Once it left their hands it became mine.
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

A XXXX XXXX credit card account was opened in my name in XXXX. I had no clue about this account until recently last month. In XXXX I graduated from XXXX XXXX " XXXX University '' and then I moved to XXXX, Virginia to attend XXXX XXXX XXXX, and I wa sliving there for 3 years up unto XXXX. I have recently found out that my indentity was stolen by one of my family members, my sister. We currently have a scheduled court day because I have filed a report on her on our court date is set for XX/XX/XXXX. 
I disputed this acocunt and I told the debt collectors that the account was not mines, and I asked them tp provide me with forms to verify my signature but no one has. This account was opened fraudulently with XXXX XXXX and then sent to collections, and I do not know when it was sent to collections until this year when I pulled my credit. I have since been dispting, but now I have a lawyer who has filed charges against XXXX XXXX, who happens to be my older sister. 
XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX
Consumer complaint received 2017-08-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

This loan company has refinace my parents home at lease twice over the decades.They were paying {$570.00} a month, as of XX/XX/XXXX they was told their Insurance was being cancelled and their payments was gon na be XXXX a month. At one time they was told the signed off on a {$52000.00} loan in XX/XX/XXXX. My Dad was XXXX yrs old then, and had no clue as to what was happening to them! Since that time our Father XXXX XXXX in XX/XX/XXXX, leaving all of this on her. She had to move out of the house, and is in the process of trying to sell it. One problem my parents still owes {$6500.00} on the loan. We can '' t find any paper work on the contract they suppose to have sign.The loan company says they ca n't go back that far, and that they do not have the contract or papers explaining what went down, and how it went down! My parents did not know the would be still paying on this loan in XX/XX/XXXX. They made them think they were saving money, when they were actually paying more, over a longer period of time! From XX/XX/XXXX to again in XX/XX/XXXX to now XX/XX/XXXX. Can You Believe!!!
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

on XXXX XXXX I received a threating letter among other letters from a company stating that they are considering sending my account to an attorney in my state for possible litigation and to Please pay us no later than XX/XX/23. They amount they are looking to collect is {$1100.00}. This company is not register in Georgia as a Collection Agency, or a Debt collector so there for they can't collect on any behalf, and I never had an account with this consumer.
Consumer complaint received 2020-10-12
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: Convergent Resources, Inc. (FL)

In XX/XX/2020, I was contacted by XXXX XXXX at Convergent Outsourcing regarding an open collections account with XXXX XXXX XXXX. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor. 

XX/XX/2020 XXXX Convergent Outsourcing XXXX Spoke w/ supervisor Spoke with Mr. XXXX, who identified himself as supervisor for Convergent Outsourcing. I explained to XXXX that during my conversation with a Convergent outsourcing Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. Mr. XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour. 

XX/XX/2020 XXXX Called Convergent Outsourcing due to not hearing from Mr. XXXX yesterday. Spoke with representative who stated she will ask supervisor to call me as soon as possible. 

XX/XX/2020 XXXX Mr. XXXX called me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that Ms. XXXX neve

r used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. I have disputed this account with all 3 major credit bureaus an
d XXXX XXXX then updated the account to Charge Off. They refuse to remove this account.
Consumer complaint received 2017-08-11
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. (MO)

I cant qualify for a mortgage because Equifax refuses to delete inaccurate child support information from my credit report. My credit report shows that my account has been late and/or collections 9 times ( 9 months ). I have mailed in a copy of my child support orders for them to see how much I was ordered  to pay. I also included all my pay check stubs to show that I have paid on time since child support started in 2013. I submitted all my check stubs with the year-to-date information highlighted so they could see that I had never paid late nor that I was in collections, along with a print out of the Child Support Payment History, to show that the payments had been received by XXXX XXXX XXXX. I also sent in an administrative hearing court order and an official letter from the XXXX XXXX XXXX XXXX, stating that they had reported the account erroneously and that this account has never been past due and was never in collections and that they reported the account in error. I have been trying for over 12+ months to get Equifax to correct ( delete this account ) my report and they are refusing to do it, and they are continuing to report the erroneous/negative/delinquent information. I have sent all correspondences via certified mail to Equifax while disputing this account. I have tried numerous times to resolve this matter with Equifax and XXXX XXXX XXXX, to no avail. Dates Complained : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (WI)

Optimum Outcomes has sent serverl invoices stating there is a outstanding balance of {$290.00}. I have reached out to this company asking for validation of this debt including a signed contract with their company, In turn I got a letter XX/XX/XXXX stating that this is all the validation they will give and that this is the last time that they will not send me any type of verification or validation. I still have not gotten a signed contract w/ this company or any identifying information that this is indeed my debt. No identifying character, DOB, SSN, account #, date of service, or a signed contract. I contacted the company on XX/XX/XXXX and spoke with XXXX. I asked for validaiton including a signed contract with this company. XXXX then stated that she does not have to prove anything to me and I need to pay this debt I then informed XXXX that I have been a victim of Idenity theft serveral times and I need validiation with a signed contract. XXXX then told me that I am a liar and that the debt needs to be paid or else and disconnected the call.
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE TRIED TO DISPUTE WITH CREDIT REPORTING AGNECIES FOR OVER SIX MONTHS NOW I GET NOTHING BUT BOGUS REPLIES EVEN THROUGH HERE STATING THAT THEY HAVENT GOTTEN ANY DISPUTES THATS AN ABSOLUTE LIE BECAUSE I GET MAIL STATING THE ACCOUNT WAS VERIED ACCURATE HOW IS THAT. I HAVE BEEN TREATED UNFAIR AND I WILL NOT TOLERATE THIS BEHAVIOR ANY LONGER SO THERE YOU GO BELOW ATTACHED MY BANK STATEMENTS THAT PROVE THAT I HAVE BEING LIED TO AND HAVE HAD MY RIGHTS VIOLATED MONTLY BY YALL. I HAVE NOT ONLY NOT BEING LATE BUT ALSO PAID AHEAD FOR MULTIPLE TIMES AND NOT GIVEN ANY CREDIT WHAT ELSE DO YOU NEED. AND PLEASE DONT JUST REPLY TO SUBMIT A DISPUTE I HAVE DONE THAT CLEARLY FOR MONTHS.