davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunnova Energy Corporation (FL)

In XX/XX/XXXX, I purchased a XXXX home generator from XXXX XXXX XXXX in XXXX, FL and had it installed at my home in XXXX XXXX, FL. The home generator was financed by Sunnova XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The terms of the financing agreement was for me to make monthly payments for 18 months at 0 % interest. I have completed 15 of the 18 payments thus far. On XX/XX/XXXX, Sunnova filed a lien against my property with the XXXX XXXX XXXX XXXX XXXX XXXX stating that they have a security interest in my property due to solar panels supposedly being installed on my home. This is the third time ( once in XXXX and twice in XXXX ) that Sunnova has done this even though they have repeatedly been told that I do not have any solar panels installed on my home nor have I financed any solar panels with Sunnova. The previous two liens were removed after I contacted the company and filed complaints against them. I still do not know why Sunnova continues to engage in this fraudulent activity.
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I received a voicemail from private investigator XXXX XXXX-he left message on my phone, my daughters phone, my moms phone and my husbands phone. I called back XXXX spoke to mr.XXXX he said XXXX is a PI doesnt work in office. XXXX said the they are collecting a debt from hsbc bank he stated a paper was mailed to me 45 days ago & I never responded. I told him I Never received anything. He stated I am being sued and need to pay {$2900.00}. I told him I dont recognize this- he said they would settle for {$1400.00} today. I told him I have no money no job due to COVID he put me on hold to ask his boss lower amount to settle.said $ XXXXtosettle today but balance on card is only {$500.00}. Stated they are suing me and my court fee Id have to pay is $ XXXX $ XXXX+other fees! I researched go ligation group and see previous people reporting they as scammers. I Told mr. XXXX I need to receive paper not just by email. He said no because he already sent a paper 45 days ago, I told him Again I Never Received it! Forcing me to pay today only!! Help me please
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2020-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (TX)

in XXXX of 2018 for my Department of Education loan account. 
I understand my financial obligations and take them very seriously. During fall of 2018, I experienced technical issues with my bank account that forced me to change my account/banking information. I believed that I had changed my account information regarding all auto draft payments. Unbeknownst to me, there were no notifications regarding my automatic draft setup with my Department of Education account. Because of this, my payment was rejected and classified as late. As soon as I became aware, I made a payment and updated the information. Overall, outside of this isolated incident, I have a history of on-time payments.
Consumer complaint received 2024-03-08
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: FinFit Holding Co, LLC (TX)

on XX/XX/2024 I began the process of applying for an early wage access loan, which I have done before. FINFIT requested the necessary documents ( Gov issued ID and W2 or SSN Card and I produced ID and W2. I then received emails asking me to upload even more.. primarily the actual SSN card. I delivered the photo to them and they responded with the same request. This continued until finally, today XX/XX/2024, I emailed them saying I would report them to CFPB. Within minutes I received a text informing me that I was approved for the loan of {$500.00} up to {$1000.00}. I signed the contract after carefully reading it in which I noticed a discrepancy in the interest rate. XXXX XXXX at % 9.57 and FINFIT was % 58. 
I was then asked how I wanted to be funded and the only choice was ACH. I started having more technical difficulties on their end so I called customer service around XXXX. The rep led me to believe she was working for me until she stated that I may need to fill out another application because the date needed to be changed.??? I had to give her my bank account info, she then put me on hold never to return, the phone began to ring and I was then on the phone with a woman with a XXXX  accent who began to ask for my confidential info AGAIN so I just hung up. then a text comes thru saying I CANCELLED the loan, I was depending on this extra cash and all they seem to want to do is sell my promissory note and application without disclosure. I want them audited and I want them to compensate me for my wasted time and injury on top of the {$1000.00} early wage ADVANCE
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: APG Financial Inc (UT)

I had a car lease through APG Financial. I went online to make my payment on XX/XX/2024 to make my payment. The eautopayment portal stated my account was closed. I called XXXX and pressed 2 to make a payment again it said my account was closed and I was being transferred to an agent. I never got to an agent. It went through the same automated system over and over. I called everyday for the rest of the week and same thing. Just went through the automated system over and over. On Tuesday, XX/XX/2024, I went to the location I purchased the car from to talk to a representative in person. The front desk person said the only representative went to XXXX for the day. He said he would text them to give me a call, and I should receive a call by next day. Never did. A manager from the the XXXX XXXX location called me, and tried to transfer me over to APG Financial. They refused my call. I was supposed to be on hold, but the line was picked up by accident, and I could hear the manager talking with them. Again, she said they said they will reach out by next day. Never did. The only call I ever received from APG was on XX/XX/2024. They called my at XXXXXXXX XXXX and told me to call back by close at XXXX XXXX. I couldn't. I was driving. Next day, my car was repossessed. We were unable to come up with a resolution to get the car back. APG is so frustrating to work with. I only have call longs to show how much I tried to call. I do not need the car back. I have two others. It's a derogatory mark on my credit report and I can't do anything about it. It's their word against mine. I would like them to work on their customer service and better serve those they give these car leases to.
Consumer complaint received 2024-03-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GENTRY FINANCE CORPORATION (UT)

I am writing to formally address ongoing issues regarding the repayment process with Gentry Finance, specifically concerning interactions with an employee named " XXXX. '' Despite our efforts to fulfill my financial obligations, I have encountered numerous obstacles created by XXXX. These tactics, including harassment, coercion, and potential violations of the Fair Credit Reporting Act ( FCRA ), have significantly impeded my ability to fulfill my repayment commitments. 
Despite informing Gentry Finance that personal calls at my workplace are prohibited, they have persistently attempted to contact me there, disregarding my requests to cease communication through XXXX XXXX. Additionally, on XX/XX/23, I entered into an Authorization Agreement for Pre-Authorized Payments, granting permission for bi-weekly deductions from my checking account on the Friday I receive my employers paycheck. However, Gentry Finance has since refused to process payments according to this agreement, citing banking audits by XXXX XXXX  as justification. Gentry Finance made multiple attempts to deduct the payments a day before the due date causing payments to be returned. 
During recent interactions, XXXX 's conduct has been particularly concerning. She has made inappropriate comments, such as insisting I visit the office to make payments, despite our stated inability to do so, and using derogatory and condescending language when addressing my concerns. When my son made a payment in-person he reiterated my request to cease phone calls at my place of employment and was told tell your mom to make her payments on time then. Additionally, during a phone conversation in XXXX, XXXX provided false information and made threats regarding property XXXX without proper legal procedure. 
The use of such coercive and unethical tactics by Gentry Finance and its employees not only violates my rights as debtor but also poses a threat to public well-being. I request immediate action to rectify these issues and ensure future interactions adhere to legal and ethical standards. A copy of this complaint has also been sent to the Utah Attorney General Office to investigate the concerning tactics the business uses to collect a debt. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (TX)

This account was previously disputed as it did not belong to me they have refused to remove and validate the debt XXXX XXXX was previously disputed and confirmed not my account they are now showing under a different company TRANSWORLD system. Other reporting agencies have confirmed not mine and removed except experian. 

I tried to fix this for over 2 months and company does not remove I have attached screen shots to show previousl results when it was removed right after that it showed as a new collection with new open date and is now showing as a collection.
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

THE XXXX XXXX XXXX IS A COLLECTION ACCOUNT DUE TO IDENTITY THEFT. I NEVER HAD A CAPITAL ONE ACCOUNT THEREFORE THIS ACCOUNT IS ALSO FRAUDULENT.
Consumer complaint received 2017-02-11
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I applied for a credit card with Citizens Bank online in order to balance transfer a higher rate card which I indicated at application that I possibly wanted to transfer {$3000.00} ( not knowing the amount I would be approved for. I was informed obtained a {$6000.00} credit limit 2 weeks later. I accessed the account online and attempted to complete the transfer and it indicated that it would need to be completed by phone. I called and completed the transfer with a rep there for {$5500.00} who did not inform me there was another transfer pending. I received a letter on XX/XX/XXXX that indicated that the additional {$3000.00} transfer had been attempted but would not be able to be completed as it exceeded the credit limit. I did n't remember the {$3000.00} initially but thought that this was going to be resolved by the company 's fail-safe precautions to which the letter was informing. Later I had received a call from the credit card company indicating that both transfers had completed and I was over {$2500.00} over my credit limit. I indicated that I had not authorized the additional {$3000.00} and wanted it reversed. This rep apologized, indicated he would reverse the transfer and indicated it would all be corrected. A week later I got another call and an email from my credit protection company ( XXXX ) indicating that my score had dropped XXXX points as a result of me going over my limit. I talked to a rep who explained that the second transfer was a result of the amount requested prior to approval and indicated that the whole situation was my fault even though the rep that initiated the second transfer had not indicated there was a transfer pending, the letter indicate there should have been a fail-safe preventing the transfer and that the later rep said he could reverse the transfer. I indicated that I wanted to file a complaint and possibly take legal action and wanted all transcripts of the 3 earlier contacts by phone. He said that he could no longer speak to me due to this action but indicated that I would be contacted by their complaint department within 48 hours. Did not happen. Called back and again was told that I would be contacted. I since reversed the {$3000.00} from the credit card that received the transfer ( XXXX XXXX XXXX ) but per XXXX no change to my credit report has happened. That was 2 weeks ago. I want to file a formal complaint. I want my all XXXX repositories contacted and informed of the accurate balance and that the {$3000.00} transfer was a mistake by Citizens Bank and that my report should not be negatively affected by the balance exceeding the credit limit.
Consumer complaint received 2023-04-05
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. (GA)

I received an alert today that stated a collection account was added to my Experian report. I opened the report and saw that XXXX XXXX XXXX, XXXX, account number XXXX, had placed a collection account on my report in the amount of {$260.00}. I've never opened this account, nor have I signed any contract, nor documents to run my credit let alone open this account. I haven't done any business with XXXX XXXX either. 
I never signed any type of documents giving my consent to run my credit or open up an account. In Accordance with Fair Credit Act these companies has violated my federally protected rights to privacy and confidentially under section 15 USC 1681. This company XXXX XXXX XXXX is not listed to do business in XXXX, they have no filings with the XXXX  Secretary of State. I could not locate a company for them other than XXXX. That alone is illegal for them to be trying to report data and collect data.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I created a PayPal account for my business invoices too keep a paper trail of the invoices I create and I kept a card saved to the PayPal account, unfortunately my PayPal account was compromised and whoever accessed it spent a total of {$710.00} with the card I had saved on the PayPal account. I contacted PayPal to dispute this transaction because it was unauthorized, the customer service representative I spoke with in the dispute department was able to go in and further review my dispute while on the phone with me along with the said transaction and deemed that the transaction was fraudulent because she seen the address that the person used was not my address. She assured me that my money would be returned to me within 5 business days but no sooner then I got off the phone with her I got an email from PayPal that they investigated the dispute and concurred that no error occurred and insult of me filing a dispute they permanently suspended my PayPal account which I feel is a form of retaliation and absolutely unfair, anyone that has money stolen from them will file a dispute that is the lawful thing to do. Furthermore I received an email from XXXX from the executive team which is the person that took it upon herself to permanently suspend my account because I filed a dispute that my money was stolen from me via PayPal platform. She also went on to say that she feel the transaction is not fraudulent and because of that I would not be receiving a refund. I was still able to contact PayPal dispute department and have them appeal this decision because it is Indeed fraudulent, and the non matching address should further prove that. But I am filing a complaint due to the derogatory treatment I have received from PayPal all because I filed a dispute. Which is my right, I feel I was retaliated against in the most predatory manner, and I want to make the type of business PayPal conducts known, along with the type of fraudulent behavior they condone in their platform, I am hoping with the appeal that I have made I am refunded my money or I will be taking this matter to the media and if needed a litigation. 

XXXX XXXX XXXX Theyre two different case numbers because the first one is the fraudulent case that was denied and when I called back to speak with a representative they informed that they would have to change the dispute type to get it appealed which generated a new case number.
Consumer complaint received 2023-04-05
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)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This complaint is submitted against Capital One Bank. On XX/XX/XXXX, as I received an email indicating that my email address and phone number had been removed from my account. I immediately logged in to my bank portal and that account, only account out of XXXX accounts had been closed. The bank had issued a closeout check in the amount of {$18000.00}. I immediately called Capital One and was told that I would receive a letter. After a few months of not receiving anything in the mail, I started to visit a local branch and met with a lady by the name of XXXX. Every time I have gone into the bank XXXX attempts to help me, but she has to call the " back office. '' Each time the back office will say they will resend me the check. I have also requested my bank statements, only received one statement. I requested a copy of the check that was issued to close the account. I wanted to see who the check was written to, I have yet to receive a copy of the check that was issued. During my last visit, XX/XX/XXXX, I met with the manager XXXX, and he told me that he was having the check reissued for {$18000.00}, and that I would receive it within XXXX. I asked him where the funds were, and he said they were sitting in an account that Capital One has to hold " these '' types of funds. It has been almost a year and now I am reaching out trying to get help because Capital One has no right to hold my funds.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) he 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2020-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A & O Recovery Solutions, LLC (SC)

I have been paying off this debt continuously so much that the actual balance is {$400.00} with a active and ongoing current payment. This balance is also showing multiple times across all credit agencies. Giving a false sense that I have a additional accounts under the same creditor for the same amount. which is causing a gross impact on my credit.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/year> I initiated a wire transfer request from one of my accounts at the bank ( hereafter referred as BANK # 1 ) to a specific account number at another bank ( referred to as BANK # 2 ). XXXX entries were made to my account ( at BANK # 1 ), one a DEBIT for the exact amount of the requested transfer, and another entry as a DEPOSIT for the exact amount LESS {$5000.00}, WITHOUT ANY EXPLANATIONS. 

When I called BANK # 1 to find out why these entries were in my account they blamed BANK # 2 and said that they were to be blamed for the deduction. 

Why should I talk to Bank # 2 or any third party for a deduction to my funds at my savings account at BANK # 1? 

The wire transfer was not not completed and BANK # 1 MUST redeposit the full amount to my account at BANK # 1.
Consumer complaint received 2023-04-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

on XXXX sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.