davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-12
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION (TX)

I received a call from XXXX on XXXX/XXXX/2016 at my place of employment and was left a threatening voicemail from a young lady stating she was from a Claims Department and that it was in reference to serving for a claim of " debt by deception '' that has came across their desk and that they would do a skip trace for my home and employment and was going to summons me to sue in court unless I contacted XXXX referencing case # XXXX. All this information was left on my work voicemail which anyone could access with my personal business on there. I called that number and spoke to a XXXX XXXX and he stated that Check N Go is trying to sue me for Electronic Check Fraud and that I needed to pay them or they will sue me in court. I advised to them that their claims are untrue and that Check n Go refused to work out any payment plans. XXXX XXXX then stated that he was going to pull up a settlement to see what the offer was and advised me to hold. When he came back on the line he stated that the settlement was for XXXX and I could pay that to settle the initial XXXX debt. I then advised him that I could not do that, he then started to get rude and loud stating that it ; s only XXXX you should be able to pay that since you work and was screaming and threatening that he is going to definitely send someone to my place of employment to summons me. He also stated that he would contact XXXX County and then at that time I stated that I never received anything from them regarding this alleged debt. He then stated that it was sent to me in the mail back in XXXX XXXX, 2016, at that point I advised him that I never received anything. He then stated well we have XXXX email on file and we can send it to your email. I saw the email and it 's dated as of today 's date and it 's advising me that I have until XXXX/XXXX/2016 to pay off the debt. When I advised him that his claims as a " liaison '' was false he then continued to become belligerent and loud, stating are you going to pay or not and I advised him no and then that is when he then stated again that he will be sending someone to serve me at my job and hung up. I then called an agency and they advised me to check with the XXXX to see if they were registered to collect in Texas and they showed no registration for XXXX XXXX XXXX out of GA. I then called the XXXX office in TX, they then stated I needed to contact the XXXX office in GA, I contacted them and the referred me to XXXX Consumer Protection Unit where I made a complaint against the agency, then he stated I needed to contact you 'll to make a complaint as well as the Federal Trade Commission. They did not get the debt validated from me because I never received anything from these people but an email that was sent today and dated today. I am making a complaint because I feel that my consumer rights have been violated.
Consumer complaint received 2023-07-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (IN)

XX/XX/XXXX I went to American car center and bought a car or in the process the price of the car is XXXX. I put down XXXX in cash. My payments are {$460.00} a month. XXXX of XXXX, I discovered that American car center was closed down. The website directed me to Westlake portfolio Management. I called they claim they were taking over the payments for American car. I never signed a contract with Westlake portfolio Management. They can not produce a contract for them nor provide me any evidence I owe them this debt. My warranty with American car center has been cancelled due to them going out of business and filing bankruptcy. Also, they have removed themselves off of my credit profile and dropped my XXXX XXXX down XXXX. They are illegally repossing cars, grand theft auto, tax evasion etc. Where does this leave me and everyone else? Please investigate this ASAP. Our lively hoods depends on this.
Consumer complaint received 2022-04-21
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. (CT)

According with the Fair Credit Reporting this company has violated my rights.

section 15 USC 1681 section 602 A states I have the right for privacy.

15 USC section 604 A states it also states consumer reporting agency can not furnish account with out my written instruction. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-09-28
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. (NJ)

My Experian credit report shows there is a bank account that not belongs to me, and I submitted my first dispute on XX/XX/XXXX. However, after multiple " verified and accurate '' dispute results, I contacted XXXX XXXX the one Experian said reported this account on my report. However, they can not find anything according to my social security number, and my name is super common in their database, so they can not locate any specific account related to me. That result makes sense because I have never stepped into XXXX XXXX  and had any business with them. XXXX XXXX finally said they needed the last four digits of that account to locate the information, so I contacted Experian again. They said they could not provide me with the last four digits of that account due to privacy policy. How ridiculous! They said that the account was mine but refused to let me know what the account was! That is a DEAD LOCK now, Experian said they need XXXX XXXX  to report inaccurate account linkage, and XXXX XXXX requires me to provide the last four digits of the account to locate it, which Experian refused to provide! It's NOT my account. How could I know the last four digits of that account? If XXXX XXXX can not find anything in their system according to my social, how Experian " verified '' my information with them?
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NJ)

In XX/XX/2022, I received a balance transfer offer from Chase card services for my Amazon Visa. I called to ask questions about the program, the biggest of which was " Can I still use the card and avoid any interest or fees on my new charges? '' I was told yes - as long as I pay the full amount I charged that month and the minimum payment due, it would be my " interest saving balance '' payment. So I decided to proceed. I had to listen to a whole recording, which confused me, so I asked it AGAIN, and was assured I would incur NO interest or fees on new charges as long as I paid as described, so I proceed with the balance transfer. 

I then get my first bill since the transfer in XX/XX/2022 and even call to confirm I am paying the correct amount to ensure no interest or fees. I pay MORE than that amount... and then my statement in XX/XX/2022 shows INTEREST. I immediately call and am told I was never told that. I ask them to pull the recorded calls - I am told she can not do that. I ask that this be looked into, as I was told multiple times between two separate calls : NO INTEREST on new charges!!!!! I received a letter a week later that the fine print said otherwise - no look back on THEIR employees calls and statements or how I was mislead. NO apology. NO help. BEWARE as they don't stand behind their words or their employees.
Consumer complaint received 2022-04-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: V and H Portfolio (TX)

I have been harassed by this company and their subsidiaries for a disputed debt, which I have provided written communication to asking for proof of their right to collect, where the debt came from and when. I have asked and written numerous times to stop calling me threatening jail time, calling my workplace after being asked numerous times to stop ( I didn't even work at during the alleged time the debt occurred ), and now marking my credit report without any phone calls, emails, mail... nothing stating who they are or what debt they're trying to collect. More than one of their fake " process servers '' told me I can't find out until I pay it. They have used every illegal debt collection practice possible in order to bully and harass me, up to and including telling my co-worker I have a warrant and people are coming to my work to pick me up. They are also pretending to be " Vance and Huffman '' an attorney ( they are not ) in order to pressure me and now I found out this company is the same one as XXXX XXXX XXXX. And today, yet another call to my workplace.
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (OR)

I signed up for classes at XXXXXXXX XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX program. Originally they told me I could not register, because I hadn't finished a XXXX  course. Later they did allow me to register, and so I did, but because I hadn't finished the XXXX, they then told me that I could not receive financial aid. I promptly dropped all my classes because I had no way to pay for them. They then charged me a 20 % fee for dropping my courses, even though I never attended and they admitted me past the no fee dropout timeframe. It's not fair or right, that they charged me close to a XXXX dollars and then sent the bill to collections. Predatory practice. They should have not charged me anything, because I promptly dropped all courses before they started. 

Please help me get rid of this on my credit report. 

Thank you
Consumer complaint received 2022-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OK)

All i want is my account to be updated on the payments and verify my employer which i have submitted to them many of times. Just submitted one in XXXX. 

There is the new thing to come out which your payments do not have to qualify for the income driven payment. to qualify for the loan forgivness program now. 

I have also submitted to them proof i work for a state run medical hospital for 10 years. So that should have a great impact on my loan to be dismissed or not many payments left.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

TransUnion is violating federal law under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) by not removing the inaccurate accounts from my credit report. Please see the attached dispute letter. Dispute letter was mailed certified on XX/XX/22 under tracking # XXXX
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting Act Account # 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 XXXXXXXX XXXX XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A StateXXXX : it also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NY)

I have tried to cancel my Apple Credit card twice on the phone, You can get the card online with no people interface, but like all slimy companies apple and golden sachs make you call to cancel, the first call I wanted to pay the balance and cancel, of course they have no way to do that, Second call after figuring out how to send money to them and paying card off. Said I could cancel if I read and agreed with there statement removing them from any recourse. 

You should require any company that allows to open and account online to be able to cancel account online. 

If You could please get them to cancel my account it would be appreciated. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2022-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here is the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX / {$740.00} / XX/XX/2022
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I Disputed accounts on my credit report that were NOT ( validated ) or 100 % accurate as I look over my Credit profile they are still reporting these fraudulent accounts I also filed a report with the XXXX and a XXXX report
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

15 U.S.C 1681 section 602 A States I have the right 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
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I believe XXXX, XXXX XXXX is not respecting A, our, original agreement we signed and is lacking on fixing my credit report with the credit bureaus, mainly XXXX  and Experian. I dont know if XXXX  XXXX XXXX or the bureaus is lacking and dishonestly working on my report, which XXXX XXXX XXXX is the one I have doubt with. On XX/XX/2021 I called customer service and spoke with the manager, I wanted to clarify some errors I spotted with my first and last name in my payment file report, and why are they sending out wrongful disputes letters, not being honest?. On XX/XX/2021 in the morning when I logged into my account I realized my signature was wrong and a different payment method was added with the same name. I have noticed XXXX has been sending out wrongful disputes on 1 or 2 accounts. 
I contacted the Bureaus because, after what I spotted I wanted to make sure my credit report from the official website of XXXX, XXXX, and Experian was not damaged. Turns out I had and still have trouble signing in to my accounts but Im most upset with Experian. I have sent dozens of disputes of wrong information on my report and the same name on my XXXX  account appeared in my credit report. I have been trying to fix my situation with Experian and have called various times this week from XX/XX/2021 but I have seen no results or effort to work with me.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (AZ)

XXXX XXXX XXXX!!! 
My name is XXXX XXXX, I am XXXX XXXX XXXX father of XXXX. I am a XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX. 10-15 days ago I received an email on my school email account regarding a part time job opportunity. I did show interest and I trust the sender since it was sent from one of the school emails accounts. The person who claims to be a humantarian professor needed a assistant to purchase items for foster homes. After a few email back and forward I was hired for the job. The person who claims to be professor XXXX. XXXX, send me an e-check through my email for the amount of {$3500.00} on XXXX of XXXX. I was instructed to deposit the check in my account. I did deposit the check in my account and it was cleared fully after XXXX hours. The funds was available fully on XXXX of XXXX, and I got a confirmation message from chase bank regarding the clearance of the check. Then the guy who claimed to be professor XXXX XXXX, instructed me to subtract {$500.00} for my weekly payment as it was agreed. The rest of the funds were supposed be for the purchase of the items for the foster home kids ( Diapers, stationary, bedsheets, etc. ). However, XXXX XXXX XXXX instructed me to send the money by XXXX transections to someone by the name of XXXX XXXX for the amount of {$2000.00}, and {$1000.00}. He claimed that the foster homes can not receive any thin by Mail or delivery due to XXXX. I did sent {$2000.00} on XXXX and another {$1000.00} on XXXX of XXXX through XXXX ( A third party money transfer platform offered by chase Bank ). On the XXXX of XXXX the {$3500.00} check which was initially cleared by the chase bank was withdrawn form my account. I called my bank to find out. They told me although they cleared the check initially and the amount was available. The process usually take XXXX days. Now, the {$3500.00} is withdrawn from my account and also the {$3000.00} ( XXXX transection of {$2000.00}, and {$1000.00} through XXXX XXXX is gone form my account. I end up losing {$3000.00} plus the {$500.00} of my weekly pay as it was promised. At this point I am sure I become a victim of the fraud by the online scam. However, the chase bank caused this by clearing the {$3500.00} check initially without completing the process. This caused my lose my money and I am student can not afford to lose {$3000.00}. Therefore, I kindly request further investigation into this fraud issue. I have all the emails, text messages and receipts form chase bank and the other parties. I am welling to share any of those information incase an investigation is needed. Thanks a lot in advance and I am looking forward for your help in this case
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I believe XXXX, XXXX company is not respecting A, our, original agreement we signed and is lacking on fixing my credit report with the credit bureaus, mainly TransUnion and XXXX. I dont know if XXXX  XXXX XXXX or the bureaus is lacking and dishonestly working on my report, which XXXX XXXX XXXX is the one I have doubt with. On XX/XX/2021 I called customer service and spoke with the manager, I wanted to clarify some errors I spotted with my first and last name in my payment file report, and why are they sending out wrongful disputes letters, not being honest?. On XX/XX/2021 in the morning when I logged into my account I realized my signature was wrong and a different payment method was added with the same name. I have noticed XXXX  has been sending out wrongful disputes on 1 or 2 accounts. 
I contacted the Bureaus because, after what I spotted I wanted to make sure my credit report from the official website of TransUnion, XXXX, and XXXX  was not damaged. Turns out I had and still have trouble signing in to my accounts but Im most upset with XXXX. I have sent dozens of disputes of wrong information on my report and the same name on my XXXX  account appeared in my credit report. I have been trying to fix my situation with XXXX  and have called various times this week from XX/XX/2021 but I have seen no results or effort to work with me.