davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (OR)

I am writing regarding unauthorized accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication with your organization, these fraudulent items remain on my report. 

The continued presence of these unauthorized accounts has caused me significant emotional and financial distress. These items inaccurately represent my credit history and have severely impacted my ability to achieve critical financial goals, including purchasing a home and meeting my family 's financial needs.
Consumer complaint received 2018-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested validation with these companies and have received NOTHING back! My hardship was 7 years ago and these items should not be listed on my personal credit file, my rights are being violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I work for the State of Texas. We are not allowed to use our equipment, including phones for personal use. I have repeated told the personnel of One Main Financial in XXXX, Texas that these calls are not allowed and that they are jeopardizing my employment. I need them to stop calling my place of work. I am behind a few days. I have communicated with them by phone and email on my personal equipment. This is harassment.
Consumer complaint received 2018-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

This Complaint is about a XXXX XXXX that I bought XXXX XX/XX/XXXX, financially by GMFinancial. XXXX XXXX XXXX Account Type RETAIL Account Number XXXX At the time of the purchase I paid {$2000.00} cash with a monthly payment of {$260.00} for 72 months. on XX/XX/XXXX I wanted to pay off the car. I looked in their website an opened the payoff page I had a total payoff amount of $ XXXX.- with 7 payments to go. I did not agree with the total amount, so I called them. The first called the agent stated that was the total amount to pay off the XXXX. I explained if there are only 7 payments to go the total amount should be {$1800.00}, she talked about interest. I requested the statements since I bought the car on XX/XX/XXXX. She said she will contact another department to mail the statements. The statements never got to the mail box. I called them back, this time the agent explained the same, I didnt understand about the interest and told her I dont owe that amount, she said the information online is different from the one they have in the files. 
On XX/XX/XXXX, I called them again and the same answer, I never received the statements. There are a lot of discrepancies : 1 ) The 7 payments to go were there for about 3 months ; 2 ) In the history account they jump onXX/XX/XXXX, 12 payments to go and on XX/XX/XXXX 15 payments to go-3 payments increased ; 3 ) when I was in monetary crisis I didnt pay the month, but as you will see in the statements I had time when I paid {$500.00} ; 4 ) They never mailed the statements I requested with the {$2000.00} down  payment. As of as today they requested me to pay the car off {$2100.00}, still 6 months to go X XXXX = XXXX and I dont even owe them that amount. This car should be paid off on XX/XX/XXXX AMOUNT FINANCED {$12000.00}, {$2000.00}, cash down payment. AS OF TODAY, I had paid XXXX. 
THEY STILL CHARGING UNTIL XXXX ANOTHER {$1300.00}. I havent made XXXX payment, Im sick, a lot of lab to find out what is going on with my poor health. My income is not the same as before. And I need to get rid of this account, I turn XXXX yrs on XXXX and I dont want this account on my shoulder. 

Thank you for any help with this situation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Fl XXXX XXXX
Consumer complaint received 2018-08-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Someone forged my name on an auto car loan, with a company I've never done any business with and have reached out numerous of times and provided documentation explaining the information they have on file is the result of forgery, this company is apprehensive regarding removing this account from my records due to the information on file matching my personal ID and SSN. The document 's attached list an address I never lived at and signatures that's not mine, the wire transfer and bank statement they have on file or forged and or doesn't belong to me and may be the result of wire transfer fraud
Consumer complaint received 2018-07-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc (LA)

On XX/XX/2017 I sent a debt verification notice to this company in the amount of {$550.00}. As a result this company has not sent any responsed by any means which is almost a year later. I also recently sent this company another verification this month. Likewise this debt is not mine since noone at the company replied. ( All letters sent to this company has been certified mail and someone had to sign for all. There letters has been marked as getting to the companies ) This company seem to ignore all request unless making payments. I can provide proof of all letters and certified mail proof if need be. Thanks in Advance
Consumer complaint received 2018-08-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have asked for these companies to remove these loans from my credit report and or provide proof of legal attachement to these account over 30 days old and nothing provided and still not removed from my credit report.
Consumer complaint received 2018-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (NY)

Started receiving phone calls from someone named XXXX, XXXX left a message threatening to show up at my work and I must have my supervisor present so they can serve me papers. Received 4 calls in a row on XX/XX/18 no message left, I called back XXXX answered never identified his company or that he was trying to collect a debt. He started to ask me personal information ie. SS # and to verify my name. I informed him I was not comfortable doing so not knowing what this is about, he transferred me to a XXXX XXXX which informed me that they have been trying to service me with documents in regards to a debt, she also never recited the fair debt collection phrase. She told me they were trying to serve me with a court date but didn't have a court date but said they have been trying to serve me for a while now but could only provide one date as of XX/XX/18. I asked XXXX if she could mail me the information because I don't see anything showing at XXXX for any court date or request for judgment against me she informed me she couldn't send me anything but could have an apt set up to have her carryer service come back out to see me. I informed her they are not to show up to my work. I ended with telling her I would look into my rights and get back to her.
Consumer complaint received 2018-02-12
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Select Management Resources, LLC (OH)

I am contesting, in part or wholly, a debt with XXXX XXXX XXXX XXXX XXXX  dba XXXX. The company has been locally notified as such both verbally and in writing yet they still contact myself and/or my family members daily. On XXXX XX/XX/2018, a Cease and Desist Letter, asserting my rights under the Fair Debt Collection Practices Act, 15 USC 1692c ; Section 805 ( c ) was delivered by US Mail, Certified Mail, Return Receipt was delivered and signed for. The XXXX staff have continued daily calls to me and/or my family. 

On a recent call, a XXXX staff member XXXX?, acknowledged she received the letter and related that the XXXX legal department instructed her to ignore the Cease and Desist Letter because it was not from another legal department or legal professional and was therefore, not valid. 

I simply request that any communication regarding the debt be in writing, on letterhead, and be signed by an authorized company representative. I provided a mailing address of : XXXX XXXX XXXX   XXXX, XXXX, Ohio XXXX and an Email address of : XXXX, both suitable for this communication.
Consumer complaint received 2018-08-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been trying to make accout on Experian.com for a while now and it always says information doesn't match and asking me to write them a letter. I am never able to login on Experian.com to my account because my information doesn't match with their side. I didn't bother with this much until I recently came across with a new problem. 

I am studying to be a XXXX XXXX and recently I am trying to signup for IRS services and in order to gain access to IRS services they verify identity by using Experian credit reporting services. Again the INFORMATION I AM PROVIDING NOT MATCHING WITH EXPERIAN. I wrote Experian a letter about this and included photo copy of my Driver license and Social security card. Upto now they still not able to find and correct what's wrong and there negligence is affecting me financilly since I am not able to persue with my carrier and will not have access to file tax returns with IRS in the upcoming season if EXPERIAN don't fix this soon. IRS want me to talk to Experian about this and Experian is not taking this seriously. They must find out what is wrong on my credit report and why it's not matching. Please help. 

Please note : IRS doesn't have any other alternative, I must go through this security process and Experian in not coaperating and not taking steps in reasonable manner to correct this. 

Thank You
Consumer complaint received 2018-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (NJ)

Hello, I have been trying to short sale my home with my Broker XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX. We have had the home on the market for 4 months and have had offers. The home is not worth the asking price that was set by my Lender Plant Home Lending. It is XXXX over the market value and nobody is looking at the house. The bank asset manager claims that the private investor will not take less than the XXXX value but the home is only worth XXXX. I have repeatedly asked for copies of the appraisal and was told no, they do not give them out. I feel I have been treated unfair by this lender because they are forcing me to do a Deed In Lieu because the home is in fairly good condition and they can turn around and resell it for a profit. My husband and I are elderly and are on SSI and that is the reason we got behind in our payments. If we do a DIL and not a short sale, we might not be eligible for low income housing. Can you please help me? My bank contact was XXXX XXXX XXXX
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dyck-O'Neal, Inc. (FL)

DYCK O'NEAL, an unknown company to me. This company and I have have never communicated in any shape or form whatsoever, BUT yet, they have reported to the Credit Reporting Agencies ( CRAs ) that I have an outstanding debt of {$370.00}. As aforementioned, I am privy to NO communication whatsoever with this company. Accordingly, this company must immediately delete this negative account from my account.
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

This case was closed by CFPB and it has not been resolved XXXX. 

Wells Fargo has put a provisional credit on this account. They have not given an explanation to me why it is taking them since XX/XX/2018 to fully resolve this. They are still looking into it. 


This case needs to stay open until an explanation is given. 

Also I still feel that I need to be compensated for all my time that has been put into solving this problem. Long wait times on phone ... Long wait times sitting in the branch. People at the ATM division that can not seem to fix a simple problem. 

XXXX XXXX XXXX
Consumer complaint received 2018-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I was applying for an installment loan online on XX/XX/2018 and called to speak to a rep. The loan was {$3200.00} and the payments were going to be about {$430.00} a month. I told the rep I could not afford the large payment amount and asked if they had a smaller loan. The rep said no but said they could give me a 50 % discount and said that someone would contact me to apply it. So I went ahead and processed the loan with that in mind. With a 50 % discount that would knock off a lot of interest and lower the payment. Well that's what I thought. Then no one ever contacted me to apply the discount, so I called the company about a week later and they said no, it's not a discount, it's a rebate after you pay the loan off. This was very misleading and I would not have signed up for the loan if I knew it was a rebate and not a discount because as I said to the rep I could not afford these high payments. The rep never said the words rebate. Rebate would have signified to me that I would get money back after the loan is paid off. But she said discount. Now the company is saying they can not give me the discount and I have to pay off the loan to get the rebate later. I was misled to apply for a loan that would offer a 50 % discount. This was faulty marketing to get me to sign up. The rep knew I could not afford the payment as is. Not even with the rebate which she never mentioned.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX my XXXX account was hacked and I was billed for a XXXX   XXXX, for {$590.00}. I immediately disputed the charge with Chase Bank and XXXX. However, after no investigation, where all Chase got was the statement that the billing address and shipping address matched and therefore it was a valid charge. 

I never authorized the charge and it seems like Chase did little to no investigation.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Over the past ( 5 ) five years Capital One financial had managed to snap of 90 % of my Store Brand credit cards i.e XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, etc. account as the credit card provider merchant. Without full disclosure had changes terms and agreements, payments due dates and posting timelines. Captial One is now engaging in the late posting payment games charging late fees, and forcing the consumer to pay a higher minimun payment amount due on the next billing cylce. Prior to Capital One now becoming a monoloply on merchant serivces I had filed several complaint with CFPB about Capital One very same practices over ( 8 ) years ago. 

Therefore, I am once again reaching out to my Federal government and asking for consumer protection from one company taking possession of multiple Store Brand card services and engaging in deceptive billing practices to generate more funds to buy up more companies.
Consumer complaint received 2018-08-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Starting back in XX/XX/2017 I disputed 3 XXXX  XXXX XXXX Accounts with Transunion 's that were being reported on my credit report. It has just hit a year and nothing has been done to fix or address my requests. I have asked the Transunion to verify the account multiple times throughout the year and show some kind of verification or original signed contract showing that this debt is mine. I have contacted XXXX  XXXX XXXX to request the same thing and they have sent nothing back to me. This unverified account is negatively impacting me from purchasing a new truck for my business and has delayed this for an entire year. I am aware that the credit bureaus use an electronic verification system called XXXX XXXX so the accounts are not actually being verified. It is my right as a consumer to see the verification in hard copy form if it is going to be reported on my credit report. 

Attached are some of the letters sent along with return receipts showing that the letters were sent to all 4 organizations.
Consumer complaint received 2018-08-21
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. (CA)

I have 4 active accounts with XXXX, I make payments on all of them each month for the past 2 years. On XX/XX/XXXX XXXX XXXX  obtained a copy of my credit report without my permission or knowledge. I am currently disputing the 30-day late payment with XXXX XXXX that they reported to all 3 major credit burrows, during the complaint and being aware that I am purchasing a house and I am in an escrow, XXXX XXXX put a hard credit inquiry on my Experian credit report. XXXX actions completely destroyed any chances that I had of getting a mortgage loan. 

Plese, find attached a screenshot from my Experian account showing date of credit inquiry and creditors name. 

I want this to be taking care of as soon as possible.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been in contact with CapitalOne since early XX/XX/XXXX. I have made numerous calls and sent numerous emails ( two calls occuring as recently as Friday, XX/XX/XXXX and Wedensday XX/XX/XXXX ). 

I had a dispute with XXXX an attorney and in my case a mediator/arbitrator. 
I authorized a charge to put in {$7500.00} in a trust account only because he thretened he was going to use this against me in deceiding custody. Mr. XXXX refuses to give me the money back in trust and continues to bill against it for emails etc. 

Here is what I responded to CapitalOne with : 1. Proof of Return/Cancellation - I do not have proof of cancellation because I was threatened that if I didnt put money in a trust it could adversely affect the custody of my four year old daughter. ( See testimony from my attorney and court documents Dqmotion.PDF pages 6-15 ). 
2. Proof of alternate payment - Disp Tran There was no alternate payment. Mr. XXXX would not allow me to pay on a payment plan. 
3. Copy of your sales receipt Attached. I requested a confirmation of the split, but never received it. This money was to be held in a trust and this Mediator/Arbitrator continues to bill me against. I have no idea of what I am being charged for at this point. ( see email exchange ) 4. Response to the Merchant`s Rebuttal - I dont know what he has as his response. Again he has used the custody of my daughter to force me to pay him. 
In addition I have issues with my bills. Mr. XXXX charged me with a search for a psychologist for my daughter and we ended up with the psychologist I suggested in the onset. He gave me a partial refund for me disputing ex-parte communications ( see below ), but refused to refund me for the entire bill. 
I have disputed them a couple of times. My attorney XXXX XXXX told Mr. XXXX in XX/XX/XXXX that I would no longer be able to afford his services however he would not put me on a payment plan ( see email below ). Mr. XXXX was told in XX/XX/XXXX ( see attachment XXXX XXXX XXXX ) I did not have the means to pay him, yet he again threatened to use nonpayment against me in custody dispute. 
There must be some consumer protection against this behavior. 
I have been a long time customer of Capital One. My expectation is I will have your support. Please have someone contact me ( XXXX XXXX XXXX. 
Thank you. 
CapitalOne Case number : XXXX
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

This is a huge problem for my new job my background is showing 3 different name on my credit report XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.. My name should be listed as XXXX XXXX XXXX please delete any other variations of my name. My only address is : XXXX XXXX XXXX XXXX, NC XXXX. Please delete remove any other address they are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
I had this problem before. It seems to never end.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Machol & Johannes, LLC (WA)

A person knocked on my door and without identifying and without asking that the person who opened is a XXXX years old girl and by rude and aggressive manner intimidate to sign the summon notice. my daughter is scary know because she saw the notice of XXXX situation in this moment.
Consumer complaint received 2018-08-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I have asked for these companies to remove these loans from my credit report and or provide proof of legal attachement to these account over 30 days old and nothing provided and still not removed from my credit report.