davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : I did not authorize anyone employed anyone to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc. (AZ)

Subject : Formal Complaint Regarding Document Discrepancies and Deceptive Practices To Whom It XXXX Concern, I am writing to file a formal complaint regarding several critical issues related to a recent proposed deal with XXXX XXXX XXXX XXXX. These discrepancies have caused significant concern and frustration, and I seek your assistance promptly. 

XXXX. High-pressured sale : There was a heavy sense of pressure being applied to get the deal. I was XXXX XXXX XXXX at the time which I believed also played a part in the influence of trying to get me to take the deal which was not a good deal to begin with. 
XXXX. Incorrect Start Date for First Payment : The documents fail to specify the agreed-upon XXXX start date for the first payment. This omission directly contradicts our initial agreement and raises serious questions about the contracts validity. 
XXXX. Incorrect Lienholder Information : The documents identify GM Financial as the lienholder but XXXX XXXX ( the dealership ) states that they are not my lienholder. GM Financial has confirmed that I am not in their system on either the customer service side or the fund department side. This discrepancy is deeply troubling, as it affects the security of my financial obligations. 
XXXX. Refusal to XXXX XXXX XXXX : Despite my repeated requests, XXXX XXXX sales XXXX and sales representative have refused to provide the name of the actual lienholder. Their lack of transparency impedes my ability to fully understand my contractual responsibilities. 
XXXX. Undocumented {$500.00} Downpayment : The documents do not reflect the {$500.00} downpayment that was explicitly part of our deal and has not been paid to date. This omission undermines the integrity of the entire transaction. 
XXXX. Nonconsenting drop off the vehicle : After explicitly advising the dealership I would not be accepting service or consenting to a drop-off. They drove the car to my apartments, parked the car in an open parking spot somewhere in the apartments, and dropped the keys off in the front office without getting signatures or even permission from the front office to leave the keys in their possession. 
I kindly request that the Consumer Financial Protection Bureau investigate these matters promptly. I believe they constitute deceptive or unfair practices, and I seek resolution through your offices intervention. 
Please find attached copies of relevant documents, including the invalid contract with conflicting, inaccurate, and missing information deeming the proposed deal voidable, which XXXX XXXX refuses to do. I appreciate your attention to this urgent matter and look forward to a timely resolution. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX ]
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureaus XXXX, TransUnion, and XXXX are reporting bankruptcies on my client 's credit report, attributing the information to the US Bankruptcy Court. I have attached a letter from the US Bankruptcy Court verifying that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. TransUnion is falsely reporting this information on my client 's credit report and has not yet removed it. The United States Bankruptcy Court does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE.
Consumer complaint received 2024-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Goal Structured Solutions, LLC (DC)

Company : Launch Servicing LLC Account XXXX XXXXXXXX On XX/XX/XXXX, for the account referenced above, I requested a Master Promissory Note, Debt Validation Notice, Proof of my signature and Proof of Co-signers signature via XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the company responded in its via XXXX XXXX XXXX with the message below : Hello, We are reaching out for the information you are requesting. This will be sent via this portal as soon as it is received. Thank you, XXXX XXXX XXXX Monday-Friday XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information requested has not been provided to me as of XX/XX/XXXX. I do not believe that I owe this, and I dispute it. As a result, on XX/XX/XXXX, I mailed a physical letter with tracking to Launch servicing LLC at their mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In that letter, in accordance the XXXX Fair Debt Collection Practices Act, XXXX XXXX. XXXX and XXXX XXXX XXXX. Protecting Consumers from Unjust Debt Collection Practices Amendment Act of XXXX, I requested that Launch Servicing provide me, in writing, the following information : XXXX. The name of the original creditor, and the name of any other owners of your debt, including the current owner XXXX. The last account number with the original creditor ( if applicable ) XXXX. A copy of the signed contract, application, or other documents which show your obligations XXXX. The date your debt was incurred XXXX. The date of your last payment, if applicable XXXX. An itemized accounting of the alleged debt, including the amount of any principal interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. 

Also, in that letter I requested that Launch Servicing please provide this letter to the company for whom you are collecting so that they have notice of my dispute. 

The XXXX arrived at Launch Servicing 's mailing address on XX/XX/XXXX. I still have not received a response or the requested information from Launch Servicing as of XX/XX/XXXX. 

Per XXXX XXXX XXXX. Protecting Consumers from Unjust Debt Collection Practices Amendment Act of XXXX, upon receipt of the first request by a consumer for any of the information identified in paragraph ( XXXX ) of this subsection, the debt collector shall send all of the information listed in paragraph ( XXXX ) of this subsection to the consumer in writing within XXXX days of the receipt of the request and shall cease all collection of the consumer debt until such information is provided. Launch Servicing is well beyond XXXX days of receipt of initial request as well as requests made after.
Consumer complaint received 2018-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

I was seen by a doctor in a emergency room. My insurance paid the debt in full. The doctor tried to balance bill me in error. I sent the explanation of benefits to the debt collector to prove I did not owe the debt in question. They keep telling me that they are waiting for the original creditors response. I have been waiting over 30 days for them to remove this from my credit report ( since sending E.O.B ). The account is over 2 years old and I have been disputing this account for over 1 year.
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Resurgent Capital Services L.P. (NJ)

Before the account became in a negative status where they sold the account to another collection 's agency due to the fact of facing financial hardships from a stolen identity and theft of a compromised social security number. The first time the company refused to correct the problem and issue new cards, however the company claimed they issued new cards to an old address on file here the cards were stolen and credit one refused to forward new cards to the correct address after payments were made on the account. Since then, I have not been in correspondence with them on any agreements because their issue was a payment and mine was a stolen cards on behalf of my son 's and myself identity which they refused to repair. Today, XX/XX/year>, we are back at fighting again because they want money that, I do not have due to a financial hardship in which that has been caused in an overwhelming burden financially and a delay in matters leaving a trail of unpaid bills.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has blocked, suspended my on line account for no reason at all accept weaponized against me when I emailed the ceo and executives that the site never works and sent photos, snip shots, I can not get my credit report. Negligence, unsound and unsafe business practices. Incompetence, customer service- there is none. Call all available numbers and disconnected. My complaint will also go to the OCC. This is alarming. Its fraud.

The business practices are unsafe and unsound. Listing addresses I never lived at with dates going back to XXXX! I was not in the State of Florida in XXXX. I was attending University in another Country. Its negligent and down right unsound business practices. 

I have no access to my credit report since XX/XX/XXXX! Its alarming. My account is suspended due to Transunion falsely and fraudulently stating I am not XXXX XXXX and illegally blocking me because I called and complained. I will retain a consumer lawyer and sue. TransUnion and I will win in a court of law or an arbitration. My evidence is undisputed. 
This behavior is absolutely unsound, unsafe and you are putting me in jeopardy, and I legally will hire an attorney to handle the matter because this is absolutely unsound. 

I reported to Attorney XXXX XXXX at the XXXX and also Social Media via attorney to XXXX XXXX.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America debt is 6 years old. NYS law says these debts are time barred after 3 years. I already told them back in XXXX, in court, my only source of income is permanent social security XXXX. Now a few months ago another court case filed for the same thing. Sent them 2 letters and received no reply.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am exercising my right to have this issue investigated and disputed as these accounts are incorrectly reported on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each erroneous report on my credit file. I am aware that FCRA 605B mandates reporting any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-07-24
Product: Credit 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: Atlanticus Services Corporation (GA)

I want you to know that I understand my financial obligation, and if it werent for an unexpected death and a XXXX  XXXX from very close relatives affecting my household and income, I would have been able to continue making on time payments. I had to request personal unpaid time off from work for a mental break. I made a mistake in failing behind, but since then, I have been able to return back to work full-time. I can now officially pick up where I started and continue on a clean slate. 
Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments and update my account on all 3 credit bureaus.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

In accordance with the fair credit reporting act XXXX  Accounts # LVNV FUNDING LLC, XXXX XXXX, Has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

15 USC 1666B : A Creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

After looking at my credit report. Ive seen an excessive number of hard inquiries that appear to be credit inquiries in which I have not authorized by any company. Ive attempted to reach a resolution with the companies as far as providing documentation of applications with my signature and they have been unable to provide. This is severely impacting my credit. 

Dates include XX/XX/XXXX until XX/XX/XXXX I am seeing hard inquires from Capital One, XXXX XXXX XXXXXXXX XXXX  and many more. My current credit report is reflecting XXXX hard inquiries.
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. (PA)

Equifax Refuses to issue my free credit report on line. Direct me to a toll free number.

Toll free number is attempting to charge me by credit card for free report.

Tried to obtain a direct c

all to a person Dial 5 ... per their instructions. Message says that this service is closed until further notice with no other explanation. Insisting that I send a application by snail mail in order to get my report. I spent a day trying to reach someone yet you allow them to ruin our credit with mismanagement. This is Equifax the same company that refused me several years ago. They also reduced my FICO score without sufficient cause. My credit is impeccable and has been for 50 years. No problems with XXXX  or XXXXn.
When are you going to resolve this companies many problems or shut them down!
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

A 3rd party company is trying to collect a debt from me that was opened on my credit report of XXXX of this year. They are reporting themselves to be a debt buyer. The issue is that I have no knowledge of this debt as I do not have any credit card accounts and never have done business with XXXX XXXX XXXX 

I requested the debt be removed from my credit report via XXXX but they validated the debt with no proof or cause. 

I am now writing this complaint as I have not received any debt validation letter proving that this debt is mine.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I filed for bankruptcy in XXXX and my student loans were supposed to be discharged in it as well. I was making XXXX a year and my student loan debt was XXXX, and I was a single mother of XXXX daughters as well, so I landed in a category that allowed them to be in my bankruptcy. Six years later my student loans have not only been raised three times the amount originally owed but never discharged as well. Now XXXX states that they sold my loan to XXXX, and I show now on my credit that my student loan debt is XXXX. You get nowhere with XXXX or XXXX they just pass you back and forth and continue to do forbearance 's while they investigate. My credit is significantly affected by this because the debt ratio is so high, because of the XXXX. I want my student loans to show as they should as paid off. I've also been told that my student loan debt should have been discharged under the Biden Administration but still that doesn't reflect either.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

XX/XX/2024 I WAS TO OPEN AN ACCOUNT WITH XXXX XXXX, CHECKING ACCOUNT. THEY SAID TO GET A TEMPORARY SECURITY LIFT FROM XXXX. 
XXXX THE LIFT WAS ACTIVE AND THEY DECLINED MY APPLICATION. 

XXXX CLAIMS CHEKSYSTEMS GAVE THEM DEROGATORY INFORMATION ABOUT ME ULTIMATELY DISREGARDING ME. 

WHO GAVE XXXX PERMISSION TO SPEAK TO CHEK SYSTEMS? I DIDNT, I PURPOSELY LOCKED EVERY REPORTING AGENCY FOR THIS REASON. 

WHO GAVE CHEKSYSTEMS PERMISSION TO RESPOND TO XXXX OR FOR MY NAME? I DIDNT I EVEN CALLED THEM AND REGISTERED WITH THEIR SITE TO SEE EXACTLY WHAT IS ON MY ACCOUNT. 

CAN YOU BELIEVE THEY REPORT ABSOLUTELY NOTHING ON MY ESSENCE. I HAD TO INPUT ALL MY INFORMATION. THE REPRESENTATIVE ON THE PHONE CONFIRMED THERE IS NOTHING TO REPORT. 
WHY DID CHEKSYSTEMS STEAL MY IDENTY AND REPORT INACCURATELY ON MY BEHALF. THEY TOLD XXXX XXXX XXXX INFOMATION THAT IS UNVERIABLE WHICH IS AGAINST THE LAW! FCRA TO BE EXACT WHY DID CHEKSYSTEMS FABRICATE SUCH INFORMATION THAT THEY HAD NO PERMISSION TO SHARE? 

I ALLOWED XXXX, AND ONLY XXXX TO TALK TO XXXX ON MY BEHALF. 
WHY DID XXXX GO TO CHEKSYSTEMS? IF THERE WAS NOTHING OF NEGATIVE VALUE THERE WHY NOT JUST OPEN THE CHECKING ACCOUNT? 
I WANT A FOIA REQUEST STATING YOUR PROCEDURES IN OPENING AN ACCOUNT. 
I WANT TO SEE WHY DID YOU GO THE EXTRA MILE TO GET ANY INFORMATION ON MY NAME WEATHER IT WAS FABRICATED OR NOT? 
IM EMBARSSED, I COULD NOT EVEN OPEN A TRUST CHECKING ACCOUNT TO HANDLE MY XXXX  AFFAIRS. 

XXXX WHAT WAS THE REASON TO DENY ME? ACCORDING TO THE LAW THERE IS NO REASON TO DENY ME ESPECIALLY SINCE IM THE SURETY FOR THE ACCOUNT AND YOU ALREADY HAVE MY PERSONAL INFOMATION. 

THIS SHALL SERVE AS NOTICE, I WAS VIOLATED AND NEITHER COMPANY WANTS TO TAKE THE BLAME BUT BOTH BENEFIT OFF MY NAME.
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX XXXX wired me funds in XXXX due to flight cancellations. I have not received those funds. XXXX XXXX has insisted that they sent the funds to my Fifth Third bank account and that they have been credited, but Fifth Third told me they do not have the funds. I told Fifth Third I had reference numbers for the wires, but they told me they do not want the reference numbers because those are for XXXX XXXX to use, not for them. XXXX XXXX told me that the bank should be able to track the funds using those reference numbers.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Ive had a problem with XXXX XXXX from the Merrill Lynch team and Im not gon na explain the problem anymore because I already have. I just want to let yall know that Im going to the Better Business Bureau.
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

VIA USPS CERTIFIED MAIL/RETURN REQUEST CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX ALLEGED ACCTS # : XXXX / XXXX DEAR DEFENDANT : LVNV FUNDING LLC I HAVE NO BUSINESS WITH YOUR COMPANY I HAVE NO KNOWLEDGE OF THESE ALLEGED DEBT IF YOU BELIEVE I HAVE KNOWLEDGE PLEASE SEND CERTIFIED MAIL TRACKING NUMBER # WITH MY WET SIGNATURE ON RETURN RECEIPT OF SERVICE PROVING IVE BEEN PROPERLY INFORMED TO DISPUTE THESE ALLEGED DEBTS. DELETE XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (FL)

I am attaching a letter which I wrote and mailed to you about this situation. The letter was returned as not deliverable as you no longer have the XXXX XXXX which XXXX gave as place to send any complaints about credit dispute results. 

I am also including copies of the relevant pages from my separation and divorce decrees which show that my ex-husband and I were each respectively responsible and liable for our own incurred liabilities subsequent to our date of separation. While the Discover Card is not listed in our paperwork, it is a credit card that my ex-husband retained and became solely responsible for any liabilities incurred from the date of our separation forward. We have been separated and divorced for over 20 years.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I deposited a check into a new savings account on Saturday. I was told and given a printout that stated that part of the deposit would be available on XX/XX/XXXX and the remaining would be available on XX/XX/XXXX. The " bank '' has now put a hold on the check stating that they are not sure that the bank check I received from the sale of a home will be funded and they are keeping a hold on the check until at least XX/XX/XXXX. I called the bank today to find out what was wrong as I needed the advanced funds to pay bills that are due on XX/XX/XXXX and I will default on my bills if I don't have the promised advanced funds. They said that there was nothing they really could do but were appealing to see if they could get some of the funds released but they will not know about that until Monday. I am desperate to get my money and they are not helpful at all. The fact that they can decide if and when I get the check deposited and then determine that I am not eligible for the advanced funds that were promised. I am a 31 year customer of this organization.