davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Fair Financial Corp. (GA)

I set-up an account with XXXX XXXX on XX/XX/2019. They charged me a start payment of {$1400.00}. I also have a monthly payment of {$470.00}. They were to send me the registration of the car as part of their service. I have called multiple times since the registration expired on XX/XX/2019 and have been able to get no assistance. I am told each time that the registration department has my request, but noone has looked at it, even with a 6 day guaranteed service level. Now my only choice is to return the vehicle, which I am free to do at any time, but I will be forced to lose the start payment of XXXX. I can not drive the vehicle since XX/XX/2019 and still being charged if I do not return. This is ridiculous and unfair to the consumer and no action being taken on their part.
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have mailed Transunion a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent Transunion a letter stating pursuant to 15 USC 1681b that I have given no such consent for Transunion to host the alleged debt on my Credit report.
Consumer complaint received 2019-04-29
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: Experian Information Solutions Inc. (GA)

Hello, my name is XXXX XXXX. My date of birth is XX/XX/1989 and I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : XXXX XXXX XXXX XXXX XXXX They originally removed these accounts XXXX XXXX  XXXX XXXXXXXX XXXX XXXX But did not block them and these theft related accounts have reappeared on my report. I have sent letters, filed police reports, etc. I sent all of this with each attempt to get the bureaus to assist me in resolving this with no success. 

I have sent numerous requests for them to remove these items and they make me wait up to 60 days just to do nothing or remove the items and let them rereport.
Consumer complaint received 2019-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (OH)

i sent a letter XX/XX/2019 asking for verification for a debt. i asked for a balance sheet, proof of ownership for the debt, how the debt was calculated ... on XX/XX/XXXX i recieved a letter only stating they had verified my name and amount owed for the debt. they refuse to send me proof of the debt. yet want to keep reporting it to the credit buereaus
Consumer complaint received 2019-04-29
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. (NY)

My Identity has been compromised and misused for the XXXX XXXX mobile and auto fraud applications. As a result of these acts I have suffered significant blows to my credit reports that need to be investigated and corrected immediately.
Consumer complaint received 2019-04-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (MO)

I was having difficultly making my monthly payment. I call customer service at Santander Consumer USA whom Finance my car loan. I ask them if they would work with me in keeping my payment at the {$210.00} instead of raising my payment back to {$360.00} which I can't afford, in the perceivable future I need to have my payment to stay at {$210.00}. I can comfortably afford this payment. I tried to negotiate with them about leaving my payment the same. I am in a financial hardship.
Consumer complaint received 2023-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Disputed Item : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1100.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of HIPAA privacy rules. 
Requested Action : Delete this item from my credit report. 
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reported Balance : {$1700.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of HIPAA privacy rules. 
Requested Action : Delete this item from my credit report. 
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Reported Balance : {$1700.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of HIPAA privacy rules. 
Requested Action : Delete this item from my credit report.
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I contacted the following company in XX/XX/2019 through a certified letter explaining that i have never done business with them but they would not cooperate with me, instead they insisted that the debt was mines. I have also contacted the credit bureaus repeatedly and they have refused to give me the results of there investigation. LVNV Funding in the amount of {$1800.00} that is on my XXXX and my XXXX report.
Consumer complaint received 2022-01-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (GA)

I am the original creditor, consumer and natural person. As a consumer, I hold all the power in this consumer credit transaction. One Main Financial failed to provide with an Adverse Action letter pursuant to 15 USC 1681m. Instead it provided me with an email stating it denied my application for credit. Pursuant to 15 USC 1602, One Main Financial use of my credit was unauthorized as I received no benefit. The language and referenced here are best interpreted by your legal counsel.
Consumer complaint received 2019-04-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Three years of back-and-forth and because it had already been discussed two of the three CRAs have yet to remove what is a gross error on my credit report regarding the current existence of a child support case. 

As you can see I have attached the necessary proof to show otherwise and would appreciate the compliance of the FCRA by both companies in the instant removal of the miss information.
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX, 2019 I paid off my credit card account @ Chase Freedom. Fast forward to XX/XX/2019 and I receive a charge of {$11.00} on my account. How does Chase get away with bleeding customers for every penney? I called Chase Freedom and spoke to XXXX @ the XXXX office and all he could offer was lip service as he read the standard company manual!? He could careless if I closed my 4 Chase accounts? Horrible customer service!! Do not open a Chase Freedom account .... Go for XXXX XXXX!
Consumer complaint received 2019-03-28
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: CMRE Financial Services, Inc. (CA)

The Insurance did not pay the correct amount for the ER services even after the new law went into effect for using an IN NETWORK hospital, the attending Physician wasn't IN NETWORK. They were supposed to pay this bill, I had several contacts with the Insurance company and they said they would pay the bill. In the meantime CMRE collections reported this on my Credit Report. It has been ongoing for over two years and CMRE should have removed this report.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I became aware of a large, inexplicable decrease in my credit score through XXXX. I contacted on Equifax on XX/XX/19 to investigate, and spoke to two agents, one via the " chat '' window and one via telephone. Both agents insisted that the only means of looking into the case further is for me to pay a {$15.00} fee to access my report ( which basically amounts to extortion ). At no time was I ever informed that I have a right to access XXXX.
Consumer complaint received 2019-04-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

Specialized Loan Servicing has created shell companies to illegally attempt to collect debt..I have a HELOC that was serviced by them.It was discharged in  a bankruptcy but is still a lien on the property.I had been attempting to do a settlement with them when the servicing and debt was allegedly sold.On XX/XX/XXXXthe mortgage was assigned to XXXX XXXX XXXX using the SLS corporate address, there was no phone number or contact capacity for XXXX XXXX.My calls and emails received no response.When I asked to speak to someone from XXXX XXXX by calling SLS I was told that there was no one to talk to.In the interim I received a letter from XXXX XXXX   XXXX ( XXXX ). saying they acquired the mortgage and servicing  from XXXX XXXX.XXXX began illegal collection efforts culminating with a 30 day cure notice that is illegal in Massachusetts.The notice also threatened giving the information to the credit bureau and a promise to begin foreclosure after 30 days.This was sent on XX/XX/XXXX, it is now XX/XX/XXXX.Nothing has happened.This violates the FDCPA and the State of Massachusetts Collection Laws. 

I believe that SLS, XX/XX/XXXX, and XXXX are all essentially the same company.Please see the mortgage assignments attached.XX/XX/XXXX is c/o the SLS corporate address, then XX/XX/XXXX and XXXX have the same address and suite number. 
This allowed SLS to use illegal means to collect the debt.SLS is a large servicer and is licensed by the Division of Banks in Massachusetts ( as required ) as a collector and servicer.Neither XX/XX/XXXX or XXXX are licensed by the MassDOB as a debt collector.This servicing sale subterfuge allows SLS to profit from illegal collection efforts and not jeopardize their own licensing. 
I am attaching the mortgage assignments and 30 day cure notice.SLS should not be allowed to be a licensed servicer and debt collector and sell their uncollectable debt to their created entities XX/XX/XXXX and XXXX to be illegally collected.If XX/XX/XXXX and XXXX aren't really SLS how can a licensed debt collector sell 103 non performing Massachusetts loans o someone not licensed to collect them.This is unfair and deceptive.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I have submitted police reports and all the paperwork verifying that Im a victim of identity theft. Equifax continues to report a fraudulent account on my credit file. The company is called XXXX. I dont even live anywhere near a XXXX. On top of that I was on XXXX military duty protecting and serving our country at the time overseas. I cant help that some scumbag may have stolen my identity. Equifax had a security breach and now they arent in compliance with the FCRA 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 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.
Consumer complaint received 2019-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019, I found an ad on craigslist offering " last minute XXXX tickets '' for a very discounted price. The seller sounded very nice over the phone and provided me with a plausible explanation as to why he could not attend this event. He said to me that we could do a smooth transaction via XXXX meaning that I will send him funds and he will email me his tickets right away. I know that XXXX works with all major banks including mine ( Wells Fargo ), so I assumed that it will be handled as any other bank transaction which is subject to consumer protection. 

Unfortunately, once I paid {$400.00} the " seller '' disappeared. I called Wells Fargo 10 minutes after this transaction went through so they could stop or freeze the funds. Instead of that, they told me that there was nothing they could do, they did not even bother asking any details about this person so they can alert another bank where my money went to. I told them that I was defrauded, that I never received the tickets I paid for, they just simply did not care! Total ignorance on their end! As a bare minimum, they could have tried contacting a bank where my money went to and dispute it! No, nothing was done to return my funds! 

They ENDORSE this XXXX service, so they must give a clear disclosure to their customers that the money transfers are not protected against fraud, scam, etc. Yes, if fact, if you go to XXXX website and do a comprehensive online research you will find those disclosures, but, who would do it in such extent when this service is widely advertised and approved by your bank???? I am just an ordinary person with a minimum knowledge of banking system. I know that all my debit/credit/Pay Pal transactions are protected against fraud, so how would I know that this XXXX service is different???? 

The only reason why I used XXXX is because I was in total reliance on my bank that it will step in and dispute it in case something goes wrong. I have been their customer for 20 years, I have my mortgage, saving, checking, XXXX with them, you name it. This is the first time I ever filed a claim with them and the last thing I expected was the attitude like this. Not only they don't care about the online scam that happens every day, but they support it by their total ignorance and lack of desire to investigate the problem. 

I just want other consumers to be aware that If something goes wrong with their money they won't be protected by Wells Fargo by any way, shape or form. Wells Fargo should either have a system in place to protect their customers against fraud or, if they don't have this ability, then DON'T ENDORSE OR ADVERTISE this service to your customers, one way or another!
Consumer complaint received 2019-03-28
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: EQUIFAX, INC. (IL)

I have been following up with Equifax regarding some incorrect information they are reporting about me. I first submitted a dispute on XX/XX/XXXX, but never heard from them. I sent a follow-up about the issue on XX/XX/XXXX. It is now XX/XX/XXXX and still I have not received any notice of an investigation into the information they insist on reporting falsely.
Consumer complaint received 2023-04-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a XXXX balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Consumer complaint received 2022-12-22
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. (FL)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of violation of my consumer rights and did not get notified. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian, after numerous investigations is still showing a collector, XXXX XXXX XXXX ACCOUNT NUMBER XXXX ON MY experian BUREAU REPORT. 
XXXX  XXXX XXXX IS A COLLCTOR, AGENT OR DEBT BUYER FOR XXXX a company who has questionable, perhaps illegal business practices who either knowingly or unknowingly victimiized me.XXXX sold phones and service that could not function in my home and surrounding areas as large as XXXX XXXX, CA, WHERE I WORK and also at my previous home outside of XXXX XXXX. 
XXXX XXXX has a simple plan of theft on the public ... They sell inexpensive service and phones in an area where XXXX dominates the business.The scam is XXXX has insufficient cell towers to provide service, even half the level of service provided by XXXX ( which most everyone has ) .so you get in inexpensive., XXXX appears reputable in advertising, yet the inexpensive service gives dropped phone calls, unintellible conversations, roaming in my own home, interference, static, the wind blows and cuts the call ... ..After talking to experts it is simple.XXXX has an effective scam ... ..the phones, THEIR STORE offices look good but they don't have the cell towers or cell tower leases to allow their phones to function in any normal sense of the word. 
Then when you complain they do not remedy because they can't ... ..They knew they couldn't deliver service when they sold the service to me.. 
XXXX XXXX executives perpetrate fraud on a wide scale where I live ... .they hold my credit hostage to try to collect money for a service that can't deliver..
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed unauthorized inquiries from : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX,
Consumer complaint received 2019-03-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (NJ)

On XX/XX/2018 I received a letter from a collection agency : Harris & Harris LTD for a unusual amount of funds so on XX/XX/2018 I answered the letter with a request for validation for the debt making it very clear it was not a verification of the debt. 

Since this action I had taken I have not heard back from this company in regards to my request to explain the debt and other vital information.
Consumer complaint received 2021-03-08
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: Collection Bureau of Fort Walton Beach, Inc (FL)

There are accounts on my credit report that dont belong to me. I need these accounts moved immediately. The accounts are as follow : 1 ) XXXX/XXXX  : account # XXXX CHARGE-OFF 2 ) XXXX XXXX XXXX : account # XXXX COLLECTION 3 ) XXXX XXXX XXXX : account # XXXX COLLECTION 4 ) XXXX XXXX XXXX XXXX : account # XXXX COLLECTION 5 ) XXXX  XXXX : account # XXXX
Consumer complaint received 2019-04-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: USForex Inc. (FL)

Date : Mon, XX/XX/2019 at XXXX XXXX Subject : Absolute worst company and customer service I've ever experienced. Period.

To : <XXXX>, I was just informed my account didn't meet your compliance criteria ; however, you will still go ahead and debit my bank account!!

I'm furious at how useless your system absolutely is. And so was your supervisor named XXXX. She kept repeating herself like a brainless human being. I wish you could review the call.

I'm hereby formally complaining and requesting to immediately escalate this matter to upper management and above XXXX 's position.

I, by US law, have the right to be given a written explanation to the particulars to why all the sudden my account doesn't meet your compliance criteria. I need factual details since I have provided you with all my personal information requested and even spoke to one your reps this morning.

Furthermore, I have been told that you will be debiting my account regardless the fact you banned me from using your services. In addition, I will have to go out of my way and ask my bank and pay a fee in order to reverse that transaction. You refuse to send the money back to where you took it from.

Is this a SCAM?!

I'm also filing a formal compliant with the Better Business Bureau, the California Consumer Protection Office and the Consumer Financial Protection Bureau.

You can't denied me your services, then still take my money, and not been able to refund me my funds from where you took it.

I demanding my money back and an immediate response and resolution to these unacceptable business practices.