davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XX/XX/19 I called on the phone for a free annual report from all three credit bureaus. I received my annual reports from XXXX and XXXX. I called again on XX/XX/19 and ordered my free annual report for just Equifax. It is now XX/XX/19 and I have not received or been contacted by Equifax.
Consumer complaint received 2018-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TrasnUnion LLC and XXXX Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact TrasnUnion LLC and XXXX Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.
Consumer complaint received 2019-07-10
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: EQUIFAX, INC. (FL)

USING THE DISPUTE PROCESS FOR CREDIT REPORT ISSUES DISPUTE ISSUES : CUSTOMER SERVICE CAN NOT CONTACT ANYONE FOR HELP. EVERYONE AT EQUIFAX IS UNAVAILABLE. 

SENT 2 DISPUTES BY US CERTIFIED MAIL. BOTH WERE RECEIVED AS CERTIFIED BY USPS. WHY 2? 
FIRST SENT/RECEIVED XX/XX/2019 -- XXXX. 
SECOND SENT/RECEIVED XX/XX/2019 -- -- XX/XX/2019 SPENT 2.5 HOURS ONE DAY AFTER BEING 8-10 TIMES FROM NEVADA -- XXXX -- XXXX XXXX -- -- XXXX . ASKING FOR STATUS OF DISPUTE, AFTER 45 DAYS IN THEIR POSSESSION. 

SPENT OVER 3 HOURS ANOTHER DAY AFTER SENDING SECOND DISPUTE LETTER. SAME LOCATIONS, NO HELP PERSONNEL COMPLETELY INEPT! SEEMED UNABLE TO VERIFY ANY INFORMATION. SECOND DISPUTE WAS THERE FOR 9 DAYS. 
COULD NOT OFFER ANY ADVICE OTHER THAN TO SEND A THIRD ( 3rd ) DISPUTE!!!! 
EQUIFAX CAN'T FIND MY CERTIFIED MAIL I FEEL THERE IS NO ACCOUNTABLE EMPLOYEES AND MY CONFIDENTIAL INFORMATION HAS BEEN MISPLACED OR STOLEN. 
EQUIFAX HAS A POOR RECORD WITH SECURITY ... .RIGHT?
Consumer complaint received 2019-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

I have bank with Ally for roughly 8 years between 4 different auto loans between joint with my wife or just myself. At least once a year I make a Lump Sum principal payment to reduce my overall due and reduce my monthly payment. 

I made one on XX/XX/XXXX which per company guideless is required to be equal to 4 months worth of payments ( XXXX x 4 = {$1100.00} XXXX I paid {$1200.00}. 

The company via 7 different call, numerous emails as messed it up this time around. I was paid ahead tillXX/XX/XXXX after myXX/XX/XXXX payment & before the Lump. 

They gave me the option to move my monthly forward to help. I agreed toXX/XX/XXXX without  issue. However, monthly has still not lowered they are asking me what it should be. 

When my loan went into play XX/XX/XXXX my payments were slated at {$310.00}, the first Lump was XX/XX/XXXXfor {$1300.00} which reduced me by {$22.00}. Not sure what the issue is this time around
Consumer complaint received 2018-08-29
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. (TX)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit. XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), Unknown Name ( XXXX  : XXXX ), XXXX  XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX : XXXX : XXXX Transunion : XXXX ), XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX ).
Consumer complaint received 2018-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash and Curtis had multiple accounts totalling {$2800.00} for my daughters XXXX XXXX. I had to work with insurance for several months to get this resolved but the totals were paid and yet this company has agreed to remove this from their records and remove from credit report, however, I applied for a mortgage and this has caused my score to drop XXXX points.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

XXXX has placed account into collection with 4 different collections agencies. Each time we dispute the debt they do not reply within the 30 day timeframe and sell the debt to a different collection agency. They are reporting negative information on my credit report and have no right to do so, since they are in violation of the FDCA and FCRA. We have Cert RRR confirmation for each time we disputed the debt with each credit reporting agency.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (RI)

This is a complaint under the special rule for credit card purchases which is now supposed to be enforced by the CFPB. On XX/XX/2018 I was charged {$1500.00} for merchandise ordered from XXXX on the charge statement it is listed as XXXX XXXX XXXX Ohio XXXX Number XXXX, XXXX {$1500.00}. 

Unfortunately all of the merchandise arrived with DEFECTS that were either present immediately or surfaced over a month or so. The children 's kitchen play set gave off noxious fumes that could not be corrected even when we placed an air cleaner in the room with it and ran it 24 hours a day. 

The rug was frayed along the seems and was unraveling. 

The patio furniture, once assembled and placed in use began cracking ( if you weigh XXXX pounds, you should be able to sit in a patio chair without have the wood it is made from split ) The bureau which was not as described and was made of particle board arrived without knobs and the finish has since started deteriorating as the particle board flakes from moisture ( this was at a humidity level of 61 % ). 

The table is also a veneer and the veneer is bubbling. 

I have attached photos of these. 

I have tried without success since the original defective merchandise arrived to get the company, XXXX to make this right, In the latest round they told me the " best they can do is offer me {$250.00}. '' Further a prior complaint to CFPB was completely mishandled as CFPB failed to do their duty and enforce the Special Rule for Credit Card purchases which is specifically designed to protect consumers like me from unreasonable retailers who sell defective goods and are deceptive in their descriptions of those goods and unwilling to fix the problem.
Consumer complaint received 2018-08-29
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: AMERICAN EXPRESS COMPANY (GA)

I have reached out and notified American Express several times since cancelling all credit cards with them in XXXX about charges on the Business Platinum Card  that I did not authorize. Instead of resolving this matter and reversing the charges, they have added on additional fees and reported me for delinquency in payment. As of this morning, I have received notification they are turning the matter over to a collection agency for payment.
Consumer complaint received 2018-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson and Kennard (WA)

Bank XXXX XXXX claims I owe a debt to them. I do not recognize this claim as I am a victim of Identity Theft. I have written several letters asking for VALIDATION, as described in the FDCPA and only received COPIES of statements. This is not VALIDATION under FDCPA LAWS. I am now being harassed by a company that says they represent Bank XXXX XXXX called XXXX and XXXX working on the behalf of Bank XXXX XXXX. I have signed no contracts with either. If they have evidence that I have, all Im asking is to see the wet ink signature I allegedly signed with either company. Copies of statements are pointless as they do not prove I have contracted with either company, BOTH claiming I owe some sort of debt. How is this legal??? Its not. Then anyone can claim I owe a debt to anyone? Just want to see ORIGINAL contract. Who is XXXX XXXX XXXX? Where is my contract with them? XXXX? Where is the original??? Without evidence in which I am requesting and have requested, under the FDCPA and FCFA, I will be entitled to the full amount of the claim owed plus interest. If I do not receive proper VALIDATION within 30 days ( not copies of someones statements ) I will be forced to file Liens. I will not hesitate to do so as I have been harassed by both Bank XXXX XXXX and XXXX and XXXX. I WILL file Liens on both companies as they have both caused me harm and duress.
Consumer complaint received 2018-08-29
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. (MO)

I was a victim of fraud back in XX/XX/XXXX. I had just XXXX XXXX XXXX and had multiple accounts for utilities and cell phones that did not belong to me. The person was using my social but not my correct date of birth. I went to the police dept. and was advised to contact the credit companies. Without a name or any information on the person doing it there was nothing they could do. In XX/XX/XXXX I ran into the same problem when I got a call from a bank after someone opened an account online with my information. I have been going back and forth with the credit berues since XX/XX/XXXX. THERE SHOULD ONLY BE XXXX ADDRESS ON MY CREDIT REPORT. HOME ADDRESS WHICH I ATTATCHED A COPY OF MY DRIVERS LICENCE AND MY HUSBANDS ADDRESS WHICH IS THE XXXX XXXX ADDRESS XXXX MO XXXX. ALL OTHER ADDRESS DO NOT AND HAVE NEVER BELONGED TO ME
Consumer complaint received 2018-08-29
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. (TX)

I recently pulled a copy of my credit report on-line and found that all 3 credit bureaus are reporting the following inaccurate information in my file that is negatively affecting my credit score. 
Creditor : XXXX XXXX Account Rating : Charge-Off Balance - {$16000.00} Reason : This account was fraudulently charged {$16000.00}. Please send me all copies of the charges account statements and investigation process including contacts and phone numbers. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I have contacted XXXX XXXX numerous times and never received documentation that these charges were mine. 

I have requested since XX/XX/2017 documentation. Called wrote letters numerous times. I received nothing. While speaking to XXXX XXXX they had a fraudulent home and work address for me. I had to contact them because ; they didnt have my correct phone number. 
Please delete this account immediately. The statue of limitation has been exceeded on asking for documentation from XXXX XXXX and your credit bureau. I have been requesting documentation since XX/XX/2017. 
This account has been sold to over 4 collection agencies and no one has any knowledge of the account activity. The partial account number is inaccurate and is unable to pull anything up. 
Its labeled XXXX XXXX on my credit reports. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2018-08-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TekCollect Inc. (GA)

On XX/XX/2018, I answered my company 's phone and was immediately talked to in a ugly manner. I stated that my AP manager was at the post office and my CEO was in a closed door meeting. He stated " woman get out of your chair and go open the door ''. He then proceeded to threaten to sue me personally and have papers served on me. I asked for his information ( name, number and the spelling of his company name ). He refused to give this information to me. I let him know that I would be able to help him without this information. I hang up the phone and he immediately called back. My AP Manager just walked back in to the office and was able to answer the phone. He told my AP that he was planning on suing me again. 

TekCollect XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
Consumer complaint received 2018-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

I tried to pay my XX/XX/2018 monthly loan bill but Santander system isnot working and will not take paymnt. They say that they are open at XXXX and I called before going to work but the recording says they are still closed. I can not call them when I am at work and Santander onlinewill not take my payment. They are making me pay monthly bill late.
Consumer complaint received 2018-08-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Credit & Collection Corporation (LA)

I toke out a loan in XXXX of XXXX with XXXX XXXX XXXX in XXXX, TX. Apparently they sold the bad debt to XXXX XXXX XXXX XXXX. Global has contacted me ( XXXX XXXX ), my uncles ( XXXX XXXX XXXX XXXX ), my aunt ( XXXX XXXX ), and grandmother ( XXXX XXXX XXXX ) via phone stating that there is a order of location against me in XXXX, TX and threatened to come to there home to arrest me. They also stated that I am not willing to cooperate which I have spoken to multiple persons within there office and provided my personal phone number and mailing address. I was told that I owe {$1600.00} by XXXX XXXX w/ Global ext XXXX and then {$1700.00} amount from XXXX with Global. I looked on XXXX XXXX XXXX website and the amount owed is {$1400.00}. I asked for something via mail and they both stated that they can not send anything via mail. I asked for options to pay they stated that I had to provide a traceable bond via credit card. I asked for their mailing address and they stated that they are not willing to provide this info. XXXX XXXX with XXXX XXXX has been rude, threatening, and has harassed my family regarding a personal matter.
Consumer complaint received 2016-11-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: J J Marshall & Associates, Inc (GA)

I am still waiting on JJ Marshall to send me proof of this debt ( a debt breakdown for the balance that they are stating that I owe ) and I need to see proof of my signature. I also would like JJ Marshall to send me proof that I am obligated to pay them for this debt that they are stating that I owe. To date, I have not received any of these items. I do not owe any money to JJ Marshall or any other company.
Consumer complaint received 2016-03-01
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Citi Management Group, LLC (FL)

this Company call me an also my job about a payday loan in 2010 f i own a loan why they calling me know. leaving me messeage on my phone Im tird of these call an my boss is fed up too. they saying they can take my wage take me to court an ect. they call me with a number then they call with an unkown number they keep saying they going to process the paper work they few day later they call again about send money
Consumer complaint received 2016-09-02
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Tower Loan of Mississippi, Inc. (LA)

I took out a loan with Tower Loans of XXXX la 17 months ago. I was told at the time, that I could repay the amount within 30 days for a {$200.00} - {$300.00} principal charged. I borrowed {$1200.00}. The manager at this establishment insured that I could repay within 30 days and it would not be added to my other personal loan balance. She sat with me and my husband with quick sign here comments. Less than a week later I went in to pay it off and I was told my payoff was {$3300.00}. When I asked about what I had originally been told, I was told that had been a false statement and how much will you be paying today. Feeling ashamed of myself for being fooled I have went in every month for the past 17 months and paid {$230.00} each time. Making my total paid in this time period {$3900.00}. I called for payoff this week and my balance is still {$2000.00}. Hearing this infuriates me. I have paid more than double the amount I was promised I could originally pay off. I spoke with XXXX the district supervisor and was made to feel like I 'm just trying to get out of paying my bill. I asked him some questions that he refused to answer. Like the APR and his cap % as well as how the principal is charged. He then took it upon himself to hang up on me. I feel this company SHOULD be looked into for unfair practices. I have basically paid almost {$4000.00} in PRINCIPAL. This should be illegal. Not to mention the tactics used to get me to sign a contract agreeing to this. I forgot to mention the harassing phone calls and overall BAD ATTITUDES of All their employees including the District Supervisor. The District Supervisor also told me, you 've been paying it for over a year, why is it an issue now. Well because I honestly believe I 'm being treated unfair and I honestly believe TOWER LOAN is breaking the law.
Consumer complaint received 2018-11-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IL)

I have parent plus student loan with XXXX XXXX XXXX in Iowa, start paying XX/XX/2008 and ( my monthly payment was XXXX $ ) my paper statement amount of principal and customer service amount are different. Paper statements show original principal amount of loan is XXXX and I paid XXXX ( plus interest of XXXX ) but when I contact customer service they told me I have principal amount of XXXX. That is different amount of XXXX. I spoke with customer service many times to explain me what is wrong or right and they are rude and unprofessional, unfortunately they didnt tell me why paper statements balance and balance in sistem not same. Something is wrong and I find out that many people complain about same problem with this company.
Consumer complaint received 2017-01-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (LA)

Cavalry Portfolio Services LLC is reporting an account that was a charge off credit card from XXXX XXXX XXXX from XXXX on my credit reports. Under Louisiana civil code XXXX XXXX XXXX XXXX the statute of limitation of debt collection of an open account is 3 years old. On my XXXX Credit report it shows that Cavalry started reporting this account on XXXX/XXXX/XXXX, XXXX and XXXX XXXX show that they started reporting on XXXX/XXXX/XXXX, Cavalry was sent a letter on XXXX/XXXX/XXXX to validate this account and provide proof that they notified me in written XXXX to XXXX days before reporting this account to the credit reporting agencies as required under FCRA. Per phone conversation with with XXXX XXXX ( supervisor with Cavalry Portfolio Services ) they are servicing the account on behalf of Cavalry SPV 1 LLC who purchased the account on XXXX/XXXX/XXXX from XXXX XXXX XXXX. According to XXXX XXXX XXXX 's records provided by Cavalry Portfolio Services the account was charged off on XXXX/XXXX/XXXX making this account past the 3 year statute of limitations of debt collection under Louisiana XXXX XXXX XXXX XXXX XXXX ) for open accounts ( credit cards ). XXXX XXXX XXXX stated that they first started reporting this account to the credit reporting agencies on XXXX/XXXX/XXXX which is a violation because under FCRA since they are required to wait XXXX to XXXX days before reporting, which he said they purchased it on XXXX/XXXX/XXXX and reported on XXXX/XXXX/XXXX ( 48 days ). XXXX XXXX XXXX stated that they sent out the first notice on XXXX/XXXX/XXXX, the second on XXXX/XXXX/XXXX and that Another company they used called XXXX XXXX XXXX XXXX started servicing the account in XXXX. XXXX XXXX XXXX was asked to provide the Bond number showing that his company was licensed and bonded in Louisiana as a XXXX XXXX but could n't provide that information. XXXX XXXX XXXX was recording the conversation and was brought aware of the many FCRA violation his company had committed from reporting false information, reporting this account before the XXXX to XXXX days required, that they had to be bonded in Louisiana, not providing the information that was asked to validate this account and that once XXXX XXXX XXXX charged off the account they sent out a XXXX required under Federal Bankruptcy Laws and that once its filed on my tax returns it satisfy any amount owed under XXXX Sections XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2016-12-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (LA)

TOWER LOAN IS CALLING ME BACK TO BACK SEVERAL TIMES A DAY AND ALSO CALLING MY REFERENCES THE SAME, I HAVE TOLD THEM I WOULD PAY ON THE XXXX YET THEY STILL CALL SO MUCH IT IS HARRASMENT
Consumer complaint received 2015-07-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (GA)

A company calling themselves GC Services is calling my telephone number XXXX attempting to collect a debt that does not belong to me. I have told them before to not call my number, but they wait a few months and resume their harassment.