davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: World Omni Financial Corp. (FL)

Southeast Toyota Finance ( SETF ) XXXX XXXX XXXX XXXX XXXX  Lease Term : XXXX mo / XXXX mile per year Lease start : XX/XX/2019 SETF has recently enacted the inability for 3rd party dealers to buyout XXXX  vehicles from lessees, citing the pandemic shortage of vehicles for their network dealers and forcing us lessees to only work with same network of XXXX dealers for a buyback or early termination if we are unsatisfied with the XXXX dealer buyback offer. Early termination would result in a penalty, too. 

Unfortunately, I am finding myself in a hardship where I can not continue to make the lease payments for the vehicle, and as a result, did begin my search with dealers like XXXX, XXXX, XXXX, XXXX, for a 3rd party buyout and was pretty happy with the offerings received as it would make me whole given the circumstances I'm seeing now financially - however, this was only to be met with my initial info above from SETF during processing of the buyout where it can not be completed due to their recent restrictions. 

In doing my due diligence, I met with the local XXXX XXXX dealer and was offered substantially less than the 3rd party offers, placing me in a negative/upside down stance versus the current lease payoff amount, and where I'd ultimately end up in collections if I were to agree to the XXXX dealer buyback as I simply can not afford to pay it over other necessary means at the time. 

I personally feel I am being forced into collections and a negative credit reporting transaction, all due to a recent stance XXXX has taken on their agreements with their lessees, but ironically enough does not apply to XXXX vehicles which SETF oversees, as well. Also, this stance they are taking is well beyond our lease agreement beginning XX/XX/2019. 

SETF refuses to work with me and/or the 3rd party to sort this through continuing to cite the pandemic and in a lack for words, not blatantly saying their choosing profit with XXXX dealer only buybacks for their then resale, over a struggling consumer now just trying to stay afloat and keeping a longstanding customer. We're all impacted by this pandemic, and there's no reason for a corporation to flip the script and take advantage of current lessees for their own profiting at my despair, when we all can win-out in the lease payoff satisfied in full by the 3rd party and me not going into collections/repo/adverse credit reporting. 


thanks in advance!
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc. (TX)

To whom it may concern, I am writing to delete the following information in my file : FIRST COLLECTION SVCS XXXX It shows that this account was opened in 2020. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Consumer complaint received 2021-06-29
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. (TX)

I have mailed off several letters disputing all of the inaccurate information that continues to be reported to my credit report and is seriously affecting my profile. I have sent dispute letters to all Experian, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have yet to receive any investigation results or correspondence to show that the errors on my report have been deleted or at least a status of the reinvestigation I requested. The specific accounts in total error that I disputed and that should have been deleted from my credit reports months ago are : the 3 inaccurate late payments on XXXX XXXX XXXX XXXX. The erroneous late payments are being reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but the dates are inconsistent across each credit bureau. I have requested a reinvestigation and proof of how this information was verified with the original creditor and have received no results or proof of verification. This is unacceptable. The other erroneous accounts on my reports that I disputed are with XXXX for a {$0.00} balance, XXXX  XXXX {$0.00} balance, XXXX XXXX XXXX XXXX collection with balance of {$2200.00} lease is inaccurate. XXXX collection account with a balance of {$250.00}. Conserve collection account reporting inaccurate and inconsistent high credit limits across each credit bureau. XXXX XXXX XXXX collection with reporting balance of {$130.00} is inaccurate. And XXXX XXXX XXXX XXXX collection showing a date of last payment as XX/XX/XXXX is also inaccurate. 

The number of errors on my report, in addition to inaccurate spellings and versions of my name, inaccurate addresses, and duplicate social security numbers on my report are outrageous. I have disputed all of this and I have high concerns of being at risk for identity theft with the credit bureaus not taking accountability for their reporting errors and deleting this misinformation as soon as possible. I have received no reinvestigation results or removals of the information listed above that is impacting my credit scores.
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (MI)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (NC)

Hello, I started the refinance process with Good mortgage who contacted me on behalf of XXXX XXXX XXXX, around the middle of XXXX. I have yet to close on my loan or commit to any of the home appraisals requested as the lender would put in a work order and then not follow through on closing on the loan. The lender which is XXXX XXXX explained to me I was in an unbalanced debt to income ratio. I explained to him before he even ran my credit what I owed payments and loans on. He reassured me and ballooned my income to the underwriter in which they requested the same docs as he. They kept asking me to upload docs and when I checked my credit history pull, they pulled my credit 2x which is why I explained to him, I did not want my credit ran if he could not actually verify my income. Soon after running my credit he then offered to look into my financials which is what I asked him to do from the beginning. He then said my Debt to income ratio was high and that I had to pay off one of my loans and when I paid the loan off he was atonished and then asked who paid if for me as if I did not have any money or were not capable of paying off any of my debts, which I thought was a slap in the face. I then felt like cursing him out as I WORK very hard with three jobs and one side job that I just started. I believe they were sent to keep delaying the process of me finding a lender ( better lender ), they keep pulling my credit score and are trying to keep me stuck within XXXX XXXX XXXX XXXXenders, who have me capped out at 5.0 % and I was searching for a cheaper interest rate and they knew that as I EXPLAINED THAT TO THEM OVER THE PHONE as they ballooned my mortgage payments to the point where we thought we were going to have to default on the loan. They target weak individuals who know nothing about mortgages.
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Dear Wells Fargo Claims Assistance Team, Subject : Follow-Up on Claims and Investigation Documents Claims # XXXX, XXXX, XXXX Good afternoon,, Thank you for your response and for providing the details regarding my claims. I would like to clarify a few points : I have not yet received the mailed documents related to the {$540.00} transaction that were referenced in your previous correspondence dated XX/XX/year>. Additionally, I am still awaiting the investigation documentation for the claims of {$420.00} and {$650.00}, as my initial request was submitted on XX/XX/year>. I would greatly appreciate if Wells Fargo could provide these investigation documents promptly, as required under Regulation E. 

I have attached additional documents pertaining to the claims for your review. I kindly ask that Wells Fargo reexamine my case and process the chargeback accordingly. Please let me know if any further information is needed from my side. 

Thank you for your attention to this matter and looking forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account #, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (PA)

I have an account since 2017. I went ahead and changed my bank account for deposits and withdraws and they have blocked me out every since. I have been putting in complaints and made complaints with the XXXX  several times. I have contacted support many, many times over the last six months regarding my issue never to be answered. No email, phone contacts or anything. I have lost alot of money because it took me three months to figure out that I could transfer my coins out of their system and I haven't been able to buy or sell. I have done 42 ID verifications as I was directed to do throughout this whole ordeal. I want my account fixed and anything they can do to help track and possibly compensate my for my losses. There should be NO COMPANY in the world that should be aloud to get away with not offering support. Especially after hundreds of attempts over a 6-8 month period.
Consumer complaint received 2022-07-15
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. (AZ)

I've complained about being a victim of identity theft multiple times already. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX ; Experian and Transunion should not be reporting a collection/charge off in the amount of {$410.00} on the JPMCB partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and each bureau is reporting different dates of last activity! Also, the bureaus are not reporting this account as in dispute. This account in fact is in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.
Consumer complaint received 2023-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

On XXXX, I received an email from DOE that Mohela is transitioning its to a new online account platform. The DOE email did not indicate a timeline. On XXXX, I tried logging in to the existing online account platform, but it did not let me login due to the transition process. On the same day, I called the customer service to ask them 1 ) how much I owe and 2 ) if I can make the full payment on the loan now. The customer service agent did not have information on how much I owed AND stated that I can not pay off the loan during the transition. I then asked when the transition process will be complete. He said " a couple of weeks. '' I asked him if he has a more specific timeline, and he said " a couple of weeks, maybe 3. '' He also stated that my interest will keep accruing during this time, when I have NO ACCESS to the account platform OR any INFORMATION regarding my loans.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (MD)

On XX/XX/2022 I received my Avant credit card in that mail and on XX/XX/XXXX I activated the card. Upon leaving work on that day I purchased dinner to go at a restaurant with the card, this purchase was approved. Prior to getting home I stopped at XXXX to get RX, this transaction was declined. I contact Avant the following day to see why the card was declined and was told that there was a fraud alert on the card. I informed the company that there was no fraud I was the one who used the card. In the following week I received a email requesting a copy of my picture ID and bank statement with my current address in which I did. I was told that the investigation could take between 30 and 90 days and that I would have to wait fir the results. I have recently been informed that the restaurant sent the receipt for the food to the credit card company to request payment a was told that I fraudulently used a credit card and purchased the food I received. This restaurant is a place I frequented prior to the pandemic and because I was scheduled to be in the office that week I wanted to eat there. XXXX XXXX XXXX XXXX XXXX XXXX  for more than thirty years and they have been informed that I used a fraudulent credit card to purchase food. I contact Avant again today XX/XX/2022 to try to get this issue resolved and was told that I need to wait until the investigation is done and when I asked for a supervisor because this would affect my job I was told that there was no one available.
Consumer complaint received 2021-06-29
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

XXXX is suggesting I owe student debt. The debt is from a private loan from Union Bank. This loan dates back to XXXX. I have not been a student in college since XXXX. When I attended college, it was a Junior College and I paid out of pocket. I explained to the customer service representative that these two accounts are fraud and I was a victim of identity theft as early as XXXX. Under the FCRA & Statute of Limitations, these fraudulent accounts should have been removed from record years ago. Instead, XXXX bought the fraudulent accounts and are harassing me in an effort to collect on bogus accounts. In explaining the situation to the customer service representative, I was clear that my police reports and FTC reports would be strong enough to show how my ID was stolen and personal information compromised. XXXX is wrong on so many levels with this matter. I will be speaking to a lawyer to have them outline my rights and recourse.
Consumer complaint received 2021-06-29
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: SYNCHRONY FINANCIAL (TX)

I applied for a credit card with my social security card on XX/XX/2021. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The card that was used to obtain a credit card was my social security card. It was reported to the credit bureaus as well.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

On XXXX I tried to contact XXXX about XXXX dollars I spent with one of there partners and received an empty box. I then received a call from XXXX claiming there was an issue with my account. Which he then provided me with a text message Dear XXXX Customer, Your Case has been registered on XXXX XXXX XXXX. Your Case ID XXXX. Employee XXXX XXXX with Employee ID : - XXXX is working on your case. 
For any other queries you can reach out to us at XXXX 
Thank You XXXX XXXX which I was convinced I was speaking with their fraudulent department and there was no worries he worked for a XXXX XXXX XXXX company and there was nothing to worry about. He then convinced me into going to the nearest bitcoin machine so he could repay me the XXXX dollars I spent on their site. Come to find out I was being scammed the whole time and sent him XXXX dollars more and then he had me make a wire transfer which was supposed to be a dummy transaction in the amount of XXXX which the first time was! So I had no worries. Then he had me make two other transfers in the amount of XXXX, and XXXX. And thenXXXX  XXXX cash advances were token from my account. He then claimed there was an issue with my XXXX XXXX  account and took XXXX to a man name XXXX XXXX XXXX to XXXX XXXX. Which I was able to resolve with XXXX XXXX. I also contacted my bank account Pnc about the fraudulent transaction that were made on my account that same day to have the transaction cancelled which the said they werent able to do so and it had to post since it was still pending and must be resolved in the bank is what he told me. Im very upset I let this all happen but am very confused why the bank only credited my account in the amount of XXXX and not the full amount for XXXX. I only wanted the transaction that were international wired from my account in the amount of XXXX, XXXX
Consumer complaint received 2022-01-19
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. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.