davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc. (FL)

Pursuant to Florida statute 559. 715 of the Florida Sunshine Law, Global receivable Solutions has yet to send out a letter of assignment and they have had this debt assigned to them sinceXX/XX/XXXX. This means that a letter of assignment would have had to have been sent out no later than XX/XX/XXXX in order for them to be compliant under Florida law. I was told by a representative of global receivable solutions that they did not have to follow the law considering the dead have been previously assigned to them back in XX/XX/XXXX but had been recalled by XXXX XXXX XXXX Hospital billing department on XX/XX/XXXX. As such, the debt was reassigned to Global receivable Solutions on XX/XX/XXXX which means that Global receivable Solutions still has to follow the letter of the law as outlined under the Florida consumer credit protection act, which they have not done. Therefore, Global receivable Solutions is leaving themselves and they have not followed the Florida consumer credit protection act nor the fair debt collection practices act by giving me the validation dispute time frame. This company has already had a complaint submitted against them by myself back in XX/XX/XXXX alleging the same transgression committed by this organization.
Consumer complaint received 2016-02-04
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Santander Consumer USA Holdings Inc. (TX)

The seller of the auto USA Santander Consumer agency sold th is car to me without disclosing the condition of t he car. The XXXX XXXX XXXX XXXX had a very bad deficiencies with the breaks that made the car low, stop right in the tracffice on the freeway .Also the car would n't breaks, it could be very danger because the malfunction who made by the car dealer XXXX XXXX, and with a recall after buying in this condition. I would like this problems solved because of the insufficient lack of safety when it was sold to me unrighteous. And could cause death to me or someone why driving it. I volunteer gving back them because of this problem they did n't give me an option in the situation to solve the condition.Now it is on my credit to collect for it after these notification. from the dealership .and now I have purchase a car through the third party on this Loan from Santander USA through XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

TransUnion I demand TransUnion provide the original instrument on the underlying obligation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX generally accepted accounting principles for this aleded collection account. 

I demand TransUnion to remove these three hard acquires as I did not authorize them immediately with rapid rescore. 

Hard inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I demand XXXX to change the account foXXXX XXXX XXXX from not current on XXXX XXXX, XXXX, XXXX, and change to current as this is a violation of 15 usc 1681 ( a ) ( d ) ( 2 ) ( A ) ( I ) so i demand it be corrected immediately with rapid rescore. 

I demand XXXX to remove this hard, acquire as I did not authorize it immediately with rapid rescore Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I demand XXXX remove these hard, acquire as I did not authorize it immediately with rapid rescore Hard inquiries XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I demand XXXX provide the original instrument on the underlying obligation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  generally accepted accounting principles for this aleded collection account.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK (TN)

On Sunday, XX/XX/XXXX I noticed several fraudulent charges were made to my account. I called my bank, First Horizon, locked my card, and then filed a fraud charge with my bank. They said it would take 5-10 business days to respond. On XX/XX/XXXX I received an email saying " XXXX XXXX, Your claim is completed and except for 1 charge, your claim was declined. All charges ( except the 1 ) were processed with the actual card and chip was used. Charges processed with chip can not be approved as fraud. The following charge was approved and credit has been provided.XXXX XXXX XXXX  '' I have provided a list of the fraudulent charges that were made on my account. I called on XX/XX/XXXX at XXXX XXXX and they said that someone must have stolen my card and there was nothing they could do. I did not make any of the charges, I do not live in or near North Carolina, but they said since they used my chip there was nothing they could do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Oracle Financial Group LLC. (MO)

On XXXX/XXXX/XXXX I was told by a friend who received a call that a XXXX XXXX was trying to reach me in regards to a complaint. I contacted her XX/XX/XXXX and was told there was a balance of {$890.00} with a company I got a loan from. During the call XXXX mentioned a possible settlement of XXXX and said I could do 2 payments. I told her that was too much for me. I also had a recent payment arrangement for the same loan company that resulted in a payment being taken out of my account on the wrong day which resulted me removing the payments. This was back in XX/XX/XXXX since then my hours have been cut down and I am only paid semi monthly but was looking to pay this off in XX/XX/XXXX. This was unacceptable for her and XXXX also kept threatening the loan company taking me to court. I asked of a payment arrangement {$10.00} a month for now that I could mail in which she said they can not do and refused to give me an address to send the payments to. XXXX said with the balance and court fees it would amount to about {$1300.00} or more also. She kept saying they would take me to court and garnish me.Then when I asked for the address again she transferred me to a supervisor XXXX XXXX who also did n't give the mini miranda and refused what I had to offer as a payment. He also said the arrangement was only done over the phone with debit or bank information. I was never told what the company name was either so when I asked, he gave me another name other than what I had researched which was " XXXX XXXX XXXX ''. I asked if this was also XXXX XXXX he said yes. XXXX also said the over the phone payment was because the original loan was done online which it was not. I went into the store to get the loan. I told him I never received any mail about them having the debt. He begin arguing with me resulting in saying he will let the client know that I refuse to pay and hung on me. I tried several attempts to call back and was either hung up on or they just did n't answer. I am concerned if this is a scam or not as I know companies have ways to access our debt and seek money by phone. I am also concerned because although I am willing to resolve the issue now the company is not working with me on such last minute notice and threatening to take me to court and garnish me. The original loan balance as of XX/XX/XXXX is {$200.00} with XXXX XXXX XXXX.
Consumer complaint received 2016-09-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (PA)

Yes, I am a XXXX American on XXXX I graduated college XX/XX/2015. I have not been able to find a job pertaining to the degree I earned at the University I attended. I can not make my monthly payment to Sallie Mae. I tell the agents my problems and the only thing they tell me is to pay a XXXX to defer loans for one month. I recently check my loan status with Sallie Mae the deferment is not placed on my account. I 've asked several times based on my issues for a reduction in my monthly payment or term extension. My interest rate keeps changing I told me rate for Sallie Mae is a fixed rate not a adjustable rate.
Consumer complaint received 2016-08-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Account Control Technology, Inc. (NY)

The borrower, XXXX XXXX, had agreed to XXXX loans on behalf of his daughter, XXXX, and it would appear that payments were not made timely so the matter was referred to a third party debt collector, Account Control Technology , Inc. ( " ACT '' ). ACT has claimed that it has acted on behalf of XXXX XXXX XXXX XXXX XXXX, the creditor. ACT has more than doubled the debt by adding to the loan principal, without explanation, and adding a collection fee which equals more than XXXX third of the amount which XXXX XXXX has appeared to borrow. We have asked for substantiation and clarification, and received no response. Out letter to ACT, with exhibits, is annexed. 

Meanwhile, ACT has served a notice of garnishment upon XXXX XXXX 's employer based upon the inflated amount being demanded and ACT has ignored our demands to refrain from collection activity until we can clarify the matter, as requested. 

We are seeking your assistance since it would appear that ACT has unlawfully increased, perhaps doubled, the amount of any sum which XXXX XXXX has borrowed, and they are trying to use Federal Regulations to their advantage, to try and collect an amount which is not lawfully due.
Consumer complaint received 2017-11-15
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. (NV)

Over the last two years or more, I have tried to get a response from EQUIFAX. Their credit score with exactly the same information as XXXX, is 120 points lower. XXXX IS XXXX  EQUIFAX IS XXXX. The information in the report is the same but since it is the same there is no way to dispute their score. XXXX IS XXXX. Again the same information. How can I get them to adjust the score to within the same number as everyone else. There would be no reason to have such a difference and i would like it fixed.
Consumer complaint received 2016-09-24
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SLM CORPORATION (AL)

i have not been contacted at ALL regarding this debt and not given an opportunity to correct or pay this debt. I have not received 1 letter regarding this debt. I would like the opportunity to start paying it and getting it off of my credit report. I would like to be contacted by mail. I am still a XXXX and do n't want this debt to be on my credit report.
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc. (CO)

In XXXX of 2015 I was offered XXXX XXXX service at my new house for {$40.00} a month, I was also told that if I was not satisfied I could cancel in 30 days and not be charged. My first bill came in the mail for twice that amount. I immediately canceled because when I called to discuss the disputed amount they refused to honor they 're original {$40.00} price. They said I needed to send the equipment back as well but never gave me a box to do so. I went to a XXXX XXXX store, they refused to give me a box. Eventually, I got XXXX XXXX to send me a box and returned the equipment. Over the course of the next several years, I have continued to receive collection calls and notices stating I owe them money ( currently {$59.00} ) and have repeatedly called XXXX XXXX and discussed the issue with them. They continue to not take responsibility to the miss charge and here we are again. XXXX XXXX has sent the collection to a company called Stellar Recovery Acct. # XXXX ( this time anyway ). I am tired of dealing with this company and obviously do not want it to reflect on my credit score/report.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (TX)

Barclays said they were offering relief to people affected by Hurricane Harvey and were automatically applying a 60 day freeze on payments. I noticed that Barclays had not done this on my account because they had been calling to collect a payment during this time frame. I spoke to a supervisor and was told they 'd retroactively apply it to my account allowing me to essentially skip payments in XX/XX/XXXX and XX/XX/XXXX.  Yet they reported my account 30 days late, and keep harassing me to pay. I 'd like them to honor their agreement and I begin paying again here in XX/XX/XXXX.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have asked Transunion 10 times to please send me the original creditors documents on file to verify that this information is mine and is correct but they have fail to do so the law states if the reporting agencies can not verify this info it must be deleted I have also asked when they verify the accounts please send me the name of whom ever they they spoke with about the issues the federal law clearly states I have the right to ask for the info
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MO)

On XXXX XXXX, XXXX, I successfully placed a security freeze on my XXXX and XXXX  accounts. After 3 attempts I froze my Experian account ( XXXX XXXX, XXXX ) using self-service IVR. Freezing my accounts was in response to XXXX announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.
Consumer complaint received 2016-01-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (KY)

I noticed LVNV funding on credit report when trying to buy a home. Wrote XXXX letters to credit bureaus to validate debt that has not been validated as of today. wrote letter to LVNV funding to validate debt never get a response as of today
Consumer complaint received 2017-01-28
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CT)

In XXXX I leased a vehicle from Honda. In XXXX before my 2 year lease was up I lost my job and my home. I did what I had to do and paid for my truck until the date of completion in XXXX. I paid everything I owed and handed in my vehicle and keys. I have been financial stable and back on my feet since XXXX. I am currently in the process of retiring my credit so that I can purchase a home for my children. While reviewing my report I noticed that my account American Honda is listed on my account as " Not in good standing ''. When I requested to have to item removed that delisted it as a charge off further decreasing my score. I would appreciate some help because this is unfair.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below. 
XXXX - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information XXXX - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try  again later. " ..occurs AFTER providing personal information and accepting terms of use Experian - Page fails to load : https : //www.experian.com/XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action. 

Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 
This item " Payment Status Late 30 Days '' reported by " XXXX '' is inaccurate because the due date for the {$68.00} past due was XXXX XXXX XXXX as you can see on my statement attached below. Payment was made on XXXX XXXX, XXXX as you can see on my statement attached below. The number of days between XXXX XXXX and XXXX XXXX ( 15 days ) is not XXXX as inaccurately stated and reported by XXXX. 
The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed. 
Enclosed are copies of, statements and credit reporting details supporting my position. Please investigate this matter and delete the disputed item as soon as possible.
Consumer complaint received 2017-01-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Real Time Group, Inc. (CA)

I have NEVER had ANY signed agreement, or contract with Realtime Resolutions Inc, do n't know who they are, and will NOT be paying ANY monies to them!!! These criminal XXXX are attempting extortion, and under Federal law extortion, and the F.C.R.A. is illegal! 

Until Realtime Resolutions Inc. can provide me XXXX XXXX XXXX XXXX with the original signed contract agreement with their company that they are erroneously attempting to extort from me, to include a itemized accounting detailing interest, and fees. I will need them to IMMEDIATELY remove the erroneous inaccurate negative credit reporting to ALL agencies, per the F.C.R.A.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below.
XXXX - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information Equifax - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try again later. " ..occurs AFTER providing personal information and accepting terms of use XXXX - Page fails to load : XXXX XXXX XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action.
Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.
Consumer complaint received 2019-08-13
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. (TX)

XXXX XXXX XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$1900.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.