davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

I tried to contact IQ Data International via express mail. The first round I sent on XXXX via mail. I never got a response back. I then sent another letter via USPS express mail on XX/XX/2023. As of today XX/XX/2023. I never got a response back validating the debt that I sent to them. Informing them to validate the debt that they accused me of owing then they decided to add fees to the debt and continue to contact me via phone. After I sent out several letters and telling them to contact via mail they have on file. They never got back to me. After I sent the letter via mail they immediately put it on my credit report falsely accusing me of owing or misleading stating that I owed money they never sent me any correspondence back in regards to my letter.
Consumer complaint received 2023-02-19
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC (GA)

Back in XXXX, US auto sales force me to buy another car when the first car I had engine blow out. They threatened me for 2 weeks forcing me to chose a car that I didn't want. They told me either I can get a new car from then and start all over and lose all the money I put in the first car or keep the car with bad engine and they will get a use engine for me. I have had 2 different cars from us auto and have been to the shop over 7 times with both cars. My new car They forced me to buy starter went out and they didn't even pay for when I had insurance on it. I was forced to get a used XXXXXXXX XXXX XXXX with a car payment of XXXX every month is crazy. And I see the business went out of business because they was scamming me and other customers. I need help with the problem. The XXXX switch my car plenty of times.
Consumer complaint received 2023-08-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I consumer XXXX XXXX intitate a dispute with Equifax over 3 months ago. I have sent several letters to Equifax to dispute this fraudulent account on Equifax. I am forced to make a compliant view of the CFPB due to Equifax not understanding that a consumer is the only one that can validate the debt Also, I was not notified to see if I wanted these accounts on my credit report before placing these items on my credit report. I have the right to privacy under 15 USC 1681. These accounts are defaming my character which is a violation of 15 USC 1692g. This company called Equifax is violating my rights as a consumer by keeping this fraudulent account on my credit report. These accounts are XXXX XXXX  is a violation according to 15 usc 1681 a ( 2 ) ( b ) and XXXX XXXX is a violation according to 15 USC 1681a3 ( a ) ( b ) ( c ). IF these account are not removed I will follow the next steps of my rights as a consumer.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-02-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (WA)

On XX/XX/XXXX, I sent a Billing Error Notice to Barclays Bank XXXX XXXX registered XXXX XXXX XXXX XXXX, via XXXX XXXX mail with a Domestic Return Receipt. XXXX XXXX XXXX received the Billing Error Notice on XX/XX/XXXX. 

I also sent a copy of the Billing Error Notice to BARCLAYS CARD SERVICES via XXXX XXXX mail on XX/XX/XXXX. That Notice was available for pickup by BARCLAYS CARD SERVICES from their XXXX XXXX XXXX on XX/XX/XXXX. 

I am aware that BARCLAYS shall follow the following procedures as defined in 12CFR 1026.13 ( e ) ( 1 ) Correct the billing error and credit the consumer account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or delivery a correction notice to the consumer.

I am also aware that BARCLAYS as the creditor may not collect any disputed amount. The creditor can not restrict, accelerate payment or close an account and or make or threaten adverse reporting to any person about the consumers credit standing without resolving the billing error. 

BARCLAYS has not reported the debt as disputed, which is a violation 15 USC 1692 ( e ) ( A ) ( 8 ). BARCLAYS also closed my account on XX/XX/XXXX, which is a violation of the FDCPA as well. 

Lastly, BARCLAYS has not responded with a rebuttal, point for point, which forfeits BARCLAYS right to collect the disputed amount as described in 15 USC 1666 ( e ).
Consumer complaint received 2016-01-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (CA)

I applied for a BBVA Compass account and they denied me saying " UNABLE TO VERIFY IDENTIFYING INFORMATION ''. Surprisingly, they were able to pull my XXXX report and state my credit score. They did not call me to verify at all what information they need. I called them to check the status before and they can not tell me anything but to reapply in 30 days. Sounds like a waste of a hard pull on my account. I am willing to provide any identifyinh information to them if they ask. Thanks!
Consumer complaint received 2023-02-19
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed that I have unauthorized inquiries and accounts and addresses 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 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

When using a non TD ATM for withdrawals, TD bank charges me {$3.00} balance inquiry fees that I did not request while making the withdrawal. Therefore, TD bank is able to charge me twice the amount for using the non TD ATM in the same session. The non TD ATM fee is also {$3.00}. This has happened multiple times on my account. TD bank alleges that they are separate transactions within the same ATM session and that I authorized the charges for balance inquires, which I did not.
Consumer complaint received 2019-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (FL)

I have an account reported to my credit file as an unpaid debt. reporting company is AWA collections when I look at it on my credit report it states debt was from a bank in XXXX Tennessee. I have not lived in Tennessee in 15 years. I feel this may be Identity theft As I am completely sure this debt is not mine. 
Debt was reported on my credit report by AWA collections XX/XX/2019 then updated on XX/XX/2019 I disputed the debt and the only response I have received from XXXX is that AWA verified the validity of the debt but I still have no proof from anyone that this debt is mine. 
I have no documents from anyone to provide as this is not my debt
Consumer complaint received 2017-06-07
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)

Contacted the credit bureau the beginning of   XX/XX/2016    . I have disputed this account every month until now. They stated that it was varied account was mine but I have submitted in proof that I owe no such company. I also attempted to reach out to the original creditor and they still have sent valid proof of owing account. The information they sent me was a document stating a different company names. On my credit report it is listed as the original creditor being  XXXX . The document they sent with no signature states the original creditor being   XXXX   XXXX   XXXX  . My name is also spelled incorrect on the document.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (NC)

XXXX of 2022 I purchased this vehicle from US Auto Sales of Fayetteville NC for the amount of {$21000.00}, with a monthly payment of {$500.00}. When signing this contract I agree to pay additional fees to have a GAP insurance added to the vehicle. However even though I have been paying for it for over a year, XXXX has come out and stated US Auto Sales never paid towards the premium and that the insurance was never even able to be used. This is a breach of contract. Also a total of 5 times throughout the year of owning this vehicle it was turned off by a pastime device and made it where I was unable to crank my car and would be on hold with them for hours to get it turned back on.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WI)

On XX/XX/XXXX I filed a dispute with Chime for a transaction of {$330.00}, which I never did. I explained that I had my card holder stolen and my card was there. They issued a new card and within two hours and no investigation, they denied the claim. I called and got no help, just rude employees, they also never provided a clear letter or denial. Just a copy/pasted email template. Today, going through my charges, I noticed three more charges, which are also fraud for {$340.00}, {$29.00} and {$33.00} I provided a police report this time, and in less than 4 hours they once again denied my claim. I already have a new card, police report, how come I can not get my money back? I need my {$740.00} back asap They replied to the XXXX complaint as follows, and once again within two hours of reopening the claim : Chime is in receipt of the complaint filed through the XXXX XXXX XXXX XXXX XXXX XXXX  by XXXX XXXX XXXX. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted us via phone regarding a transaction totaling {$330.00} which XXXX stated was unauthorized. We then opened an investigation into the matter and filed a dispute. 

On XX/XX/year>, we notified XXXX via email that we completed our investigation and based on the information available, we determined that no error occurred. 

On XX/XX/year>, XXXX inquired about reopening the case, and a rebuttal claim was opened. 

On XX/XX/year>, we notified XXXX via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 

Claim ID : XXXX On XX/XX/year>, XXXX contacted us via phone regarding three ( 3 ) transactions totaling {$410.00} which XXXX stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 

On the same day, we notified XXXX via email that we completed our investigation and based on the information available, we determined that no error occurred. 

We appreciate XXXX for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate XXXX input. 

We thank you for the opportunity to respond to XXXX XXXX XXXX complaint. If XXXX XXXX XXXX continues to have concerns regarding their complaint, please have them contact Chime Member Services at XXXX. 

Ive sent them the police report, got a new card, and they clearly dont mind investigating. Also they customer service over the phone is not well trained. They are one for the banks that gives no provisional credit and does not investigate any fraud. 

I need my money back ASAP
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (CA)

I received a letter for debt collection dated XX/XX/XXXX from American Coradius International LLC for an account in my name with my address for a balance of {$110.00} as of XX/XX/XXXX. 
I received this letter by mail on XX/XX/XXXX. 
Reference # on the letter : XXXX Creditor : XXXX, XXXX Account Number : XXXX However, I do not have a XXXX account. I have never had a XXXX account. 

XX/XX/XXXX I called XXXX customer support ( XXXX ) to report fraud and identity theft and requested that this account be closed. XXXX, the XXXX service provider asked to verify my e-mail address and last XXXX of my SSN. I declined to provide these as I did not want to give away further personal information. She told me she escalated this to her supervisor and that they would call me back today. I verified the number the supervisor would be calling back from and provided my cell # for call back. I did not receive a call back. 
I asked to know when the account had been opened and if it was opened with banking details. She declined to give me this information. She stated she would close the account. 

I have sent the letter back to American Coradius International LLC disputing the debt and asking for : Verification of Debt : I request that American Coradius International LLC provide verification of this debt, including details of the original creditor, the account number, and any supporting documentation that validates the debt 's existence and my obligation to pay it. and Cease Communication : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that all collection activities related to this alleged debt cease immediately until its validity is verified.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: World Omni Financial Corp. (FL)

On XX/XX/XXXX I was forced into a contract by XXXX XXXX XXXX. They mislead me on countless details and drafted a contract with inflated numbers which they refused to explain or remove. They would not give me my keys so that I could leave. With all the lies and deceit they forced me into signing a contract with World Omni Financial Corp. which is doing business as Southeast Toyota Finance. I was unable to contact them at first because the dealership refused to give me any information about this company. By the time I received the information for Southeast Toyota Finance, I was informed it was too late to do anything about being forced into a contract with them. The amount I was charged is {$58000.00} not including any interest that has and will accrue on this amount.
Consumer complaint received 2023-03-01
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. (CA)

I

w as trying to get a loan to buy a house and when I checked my credit report I noticed a lot of discrepancies and blemishes that might jeopardize my character. It is also a violation of 15 USC 1681g disclosures to consumers. 15 USC 1681 ( a ) ( 4 )
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (TX)

XXXXroCollect has been attempting to collect on an account that I do not owe, and has also been reporting such collection account on my personal credit report. This has only come to my attention ( following a conversation with them last year ) after attempting to secure new housing with another apartment complex and being denied due to the errant credit report.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I had processed a dispute with all the credit bureaus about this account this account seems to be almost XXXX XXXX XXXX. I have been trying to dispute this account for a few years Midland funding has yet to send me any documents or verification on this debt. L
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp. (FL)

The vehicle was repossessed from the Finance company then it was sold at auction to a buyer for the value of the vehicle. The repossession took place on XX/XX/2022. The car was then sold to the auction 60-90 days after the repossession. After the car was sold there is a balance of {$15000.00} left on my credit report from XXXX XXXX XXXX of WOFC. It now has been placed on my credit as a charge off as bad debt/Profit and loss write off as a negative impact on my credit.
Consumer complaint received 2017-02-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc. (TX)

Per XXXX Connection policy, a certified document was mailed by XXXX to terminate the contract. The health club did not terminate contract and proceeded to continue charges and amount was submitted to First Credit Services collection agency. I have copies of the certified document as well as the tracking label of the certified document.
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies (AZ)

I have been behind a few months with prestige finance XXXX  and in XXXX they offered me to pay {$530.00} which is a smaller amount of the original {$590.00} per month which the loan is required. I had a V.A. agency pay the {$530.00} plus an additional {$1200.00}, the {$530.00} was supposed to be for the month of XXXX to catch up for the months of XXXX XXXX and XX/XX/year>2024 the VA agency that paid the additional {$1200.00} was notified that that would be for XXXX and XX/XX/year>2024 payments. When I reached out to prestige finance, they said that program and offer was no longer available so they baited and switched me, I have email communication with prestige financial since then they are harassing me with phone calls and emails on a daily basis sometimes several times a day. When I notified them recently in this month of XX/XX/year>2024 about XXXX and XXXX payment already being paid they said that that program was no longer available. Provided no legal information. They provided nothing but harassing emails and phone calls. I want to know what can be done to get them to stop these illegal business practices and harassing me with this auto loan thank you kindly.