davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc. (MO)

XX/XX/year> I signed up for self credit building didn't know what I was doing so I went ahead and paid out my credit building account early which would have been XX/XX/year> they said congratulations for a completing your account you should receive the payout as you wished direct deposit or check in 10 to 14 days it's been well now and I still can't get it keep saying it's under review never keep in contact with me every time I call them is only time I ever get an email back still under review under review you will hear from us within one to two business days those ones to business days seem to come and go don't hear from him I get irritated I call I'm frustrated they don't have anything to tell me so I contacted XXXX  well I just get an email about the case and self is saying that the verification that they requested for me they couldn't verify me and that I that it's final and I can't appeal it but they can take my money no matter how many payments I have made on it I can make as many as I wanted to pay it off and now they are justifying if I'm going to get it back or not and I think that's wrong and then tell me I can appeal it it's my money I sent the verification I sent it again they also had to verify me to approve me of the account so I'm feeling like I'm getting frauded big time here it's {$3100.00} they say I get {$3000.00} back but they're really having a hard time giving it back they don't want to I don't know what to do and I'm about to my within but they're really having a hard time giving it back they don't want to I don't know what to do and I'm about to my within
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

AFTER SUING OR SETTLING WITH FEDERAL TRADE COMMISSION EQUIFAX NEVER STOPPED DOING FRAUD. PREVIOUSLY ALSO THEY REQUEST DOCUMENTS SUCH AS A COPY OF A DRIVER 'S LICENSE, AND A SOCIAL SECURITY CARD FROM CONSUMERS TO SELL TO MARKETERS. 

PREVIOUSLY ALSO EQUIFAX REQUESTED 100 TIMES FROM ME TO FAX OR GIVE MY DRIVER 'S LICENSE NUMBER AND THIS TIME ALSO EQUIFAX DID NOT SHOW MY CREDIT REPORT AND ASKING TO SEND A COPY OF MY SOCIAL SECURITY CARD OR DRIVER 'S LICENSE AND SAID YOU CAN DO WHATEVER YOU WANT AS REPORT TO FEDERAL TRADE COMMISSION, XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU. BUT UNTIL WE RECEIVE A COPY OF YOUR INFORMATION WE CAN'T SHOWED YOU A COPY OF YOUR CREDIT REPORT.
Consumer complaint received 2022-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VT)

I filed my recertification for XXXX for XXXX years I had worked in XXXX XXXX. My employers are qualified but they only accepted one as qualifying. This service was before I consolidated but my understanding is that the waiver means previous payments should count. My servicer is FedLoan.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have a auto loan for a car with XXXX XXXX. XXXX XXXX  had my incorrect address on file, they was sending my mail to a Virginia address, that I never lived at. I just got that Virginia address removed from Experian, XXXX and XXXX account. I had to call to and update my address for that account. 

In accordance with the fair credit reporting act XXXX  Account # 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 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-04-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TN)

I had a great experience with my car loan through Ally Auto - until it was paid in full. Back in XX/XX/XXXX, I receive the title to my vehicle once my balance was a XXXX. In XX/XX/XXXX, I tried to sell this vehicle. When I filed for a duplicate title, I found out Ally still had n't released the lien on the car. I 've contacted them 3 times & have requested 4 different formats of the lien release & have yet to see it.
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

On XX/XX/year>, I received an alert that showed there was a collection account added to my credit report. PORTFOLIO RECOVERY ASSOC added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! PORTFOLIO RECOVERY ASSOC l put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that PORTFOLIO RECOVERY ASSOC verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If PORTFOLIO RECOVERY ASSOC is unable to provide the above identifying account information, this account must be deleted from all CRAs. PORTFOLIO RECOVERY ASSOC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was a victim of identity theft and a fraudulent XXXX XXXX XXXX was opened in my name. XXXX XXXX admitted the account was fraudulent and agreed to remove the tradeline in a CFPB complaint from last year. 

The account is still showing in my TransUnion report and they have ignored my repeated disputes
Consumer complaint received 2019-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NC)

This account does not belong to me. I have been disputing it for a while. I have attached my id theft report please remove this account. I am a single, struggling, middle class father. This account has caused me a lot of unnecessary hardship.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/XXXX I attempted to make a deposit of {$800.00} at the Wells Fargo location at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

The ATM machine jammed while trying to make the deposit. I was never giving any type of receipt of any kind from the machine for proof of my deposit, other than a number. 

So I called and informed Wells Fargo of the issue. While speaking with them they told me it happens all the time and that my account should be credited next business day. They informed me that if I put in a claim it could take 10 business days to handle this vs just allowing it to be handled when the ATM is repaired. 

XX/XX/XXXX - Call into ATM Service center- informed that i shouldnt need to do anything and should receive funds back to my account. no claim was made The money never deposited and I called back in to create a claim on XX/XX/XXXX - Claim Opened # XXXX XXXX - Provisional Credit of {$800.00} added to XXXX XXXX Account XXXX - Claim denied # XXXX Claim Closed Reason : Our ATM Claims Department researched this matter and they found while a jam occurred with the ATM, no cash was found in the ATM, and the ATM was in balance. As such, the temporary credit was reversed from your account and the claim was closed. 

XX/XX/XXXX - Reversal applied to my account - {$800.00} In result I was charged for overdraft fees in the amount of {$72.00} XX/XX/XXXX - Expedited Claim open Went in branch to re-open clam Spoke to XXXX XXXX XXXX XXXX XXXX XXXX Case Number : XXXX XXXX - Clam Closed Case Number : XXXX Reason was the same when I received the information as to why the claim was denied. 

XX/XX/XXXX - Claim reopened with XXXX XXXX XXXX : XXXX
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. I've made a list of the details on my personal information that is falsely reported and that must be removed or updated immediately. 

Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 

Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

I have previously consolidated my students with XXXX Department of Education a few years ago. and did not realize they had left small balance remaining which had gone to collections in the amounts of {$2.00}, {$9.00}, {$10.00} and {$29.00}. I found this out when I pulled my credit report. I called the department of Education and took care of the debt which was a total of {$51.00} and was advised that this would update to my credit report as paid and Current Transferred. I proceeded to contact the Bureaus to advised of the payment. When I looked at my credit report with Experian it show a total the old debit and the new debt on my report when I called to request they fix the account I was told they only add what is being reported by the creditor. so they have duplicates on my credit report which no one seem to care to correct XXXX is showing paid the other is still showing the balances of what I have already paid, the account numbers are as following Department of Ed/GSL/XXXX # XXXX Department of ED/GSL/XXXX # XXXX Department of ED/GSL/XXXX # XXXX Depoartment of ED/GSL/XXXX # XXXX When I ask them to correct all they were willing to do was dispute it again.I need this information to be deleted on my credit report
Consumer complaint received 2022-04-13
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. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

All of this started in XX/XX/2022. I had a lot of fraudulent transactions on my statement, I filed a dispute claim with the dispute team at Chime online banking, I received a provisional credit which was reversed without reason. I have been going through this until now XXXX. I repeatedly asked them for a printout showing the transactions since then, but they closed my account completely in XX/XX/XXXX, then they sent me a printout on the XXXX. I was shocked, it showed all my money was gone and all the fraudulent transactions are on the printout. I tried calling company, l but since they disabled my online banking and my cards were not working since XXXX how could i transact any business. I got several conflicting emails from them wanting me to send them a selfie with my drivers license, todays date and phone number on a sheet of paper held under my chin. I did this a number of times, but they kept making me jump through hoops with different reps, never the same one. The crazy thing is I had people calling me saying that they were affiliated with chime, but when I asked the Chime representatives about it, they said they don't call customers. I sent them communication that i received from them, and them screen shots and forwarded them emails. I have been lied to so many times, and then i got the silent treatment for a few days and then they had the nerve to say after careful consideration the had to end our relationship. I am out of {$16000.00}, my printout show XXXX  deductions, XXXX XXXX in XXXX XXXX, XXXX XXXX XXXXXXXX etc. I really need a breakthrough in this madness, I am a XXXXXXXX XXXX  veteran, age XXXX yrs. I've filed a police report, ftc report, talked to my social worker, fbi report, nobody seems to be moving at all on my behalf. I even reached out to the local news media, but no response yet. I had to resort to borrowing money from family members to keep from being XXXX. Help me please!!
Consumer complaint received 2022-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

I lived in XXXX XXXX from XXXX to XXXX, during that time period COVID-19 happened, I was unable to pay rent due to job loss and only having XXXX for my son as income, I had a phone conversation with the property manager XXXX, XXXX was stated that if I agreed to move out by XXXX, that no action would be brought against me for this account. I wasnt aware of the collection until it was on my credit report for {$10000.00}. I have disputed across all three reporting agencies. I moved into my new apartment on XXXX and have been here since at XXXX XXXX It was reported to National Credit Systems and Ive never received contact from them about this debt or that I could dispute. I will upload pictures of my lease starting on XXXX and pictures of the falling ceiling that was never fixed inside the apartment that me and my XXXX young children occupied. I also never received a eviction notice or any type of notice from this apartment prior to the debt showing up on my credit accounts.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I called Experian for two reasons. I asked them what happened to my XXXX card that was reporting and why has n't my authorized user account from my sister XXXX XXXX not reporting yet. 

They stated they did n't see a XXXX on my report and that there was never a XXXX card reporting. I explained that that was not true and that i have had the card sine XX/XX/XXXX. They stated it was never on there and that they did n't know what to tell me. They explained they can have someone look but they did n't know. When I asked about the XXXX XXXX they said they removed it from my account because there was a late payment from XX/XX/XXXX. I asked them why would they remove that because it was positive on my report and they said they had the " right '' mot because I was n't responsible for the debt. I explained that I needed that to report on my credit and they said they did n't know what to tell me again. 

I asked where does it state if there is a let payment you wo n't report. The supervisor ( XXXX out of XXXX TX ) stated he 's not her to prove anything to me. They took it off and thats that. He then stated he was n't explaining himself to me any longer and that it wo n't report until XX/XX/XXXX. I asked him who gives them the right to say what can not go on my report if I authorized it and he stated he has it. When I asked to be transferred to a different supervisor he stated he can take my name and number and have someone call me. To this date no one has called. 

He then to me to call XXXX because he had no other suggestions to tell me.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I recently found out my credit file was not only incorrect but was a duplicate going back over 7 years. It also has an incorrect amount and this still has not been corrected. It seems they do n't care. XXXX have it right but not Experian!
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

XX/XX/XXXX XXXX  and XXXX. XXXX, CA My Insurance was/is XXXX with XXXX XXXXXXXX XXXX 
XX/XX/XXXX XXXX XXXXXXXX XXXX sends invoice for services doing business as XXXX XXXX XXXX XXXX is to made out to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, NV XXXX Partial listing of my letter writing attempts to resolve this issue : I wrote to Envision at the address in XXXX XXXX explaining I am waiting for the XXXX information to verify my share of the cost. No response I receive an invoice from XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  in which the 'Explanation ' column indicates 1. Insurance coverage terminated 2. Insurance patient responsible : no coverage on DOS. 
I write to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX XXXX confirming my XXXX and XXXX XXXX  coverage. No response. 
From XXXX I received detailed information regarding all other related costs. I have yet to receive from XXXX any information related to this cost. 
XX/XX/XXXX I received a letter from debt collector XXXX XXXX XXXX XXXX. I respond that the debt is in dispute. 
My further attempts to resolve this issue include On the Internet I found a local office for XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX I sent letters via Certified Mail to Envision in XXXX XXXX *Same XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX All of the letters were accepted at the addresses. No responses. 
XX/XX/XXXX I receive letter from debt collector Credence Resource Management Texas license. Mailing address : XXXX XXXX, XXXX, MI XXXX. I respond by Certified Mail 1. Debt is in dispute 2. I want them to send me name and address of original creditor. No response. 
XX/XX/XXXX I receive a phone call from Credence. The phone volume of the representative was hard to understand. We confirmed my home address and I hung up. I am sending a letter via Certified Mail telling Credence to cease from contacting me and reporting to any relative company or credit bureau that the debt is in dispute.
Consumer complaint received 2022-04-13
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. (FL)

XXXX XXXX XXXX XXXX is reporting a debt that is not mine nor do I have awareness of. I attempted to call their phone number but it is disconnected. On XX/XX/20 I disputed this account with Experian and it was removed. 11 days later it was added back and not removed
Consumer complaint received 2016-03-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

I want to start making payments to the financial institution when I got employed again. I asked to start making payments and they agreed of a certain amount. When later on I tried to cancel the next month payment due to a serious issue I had to deal with in my life, they threaten to garnish my wages and wanted to know where I work and my supervisor phone number. I did not tell them and they want 30 % of my wages. I also received a letter from them that month postmarked before I had the conversation to cancel the payment and the amount they wanted for my payment was vastly different compared to the one we agreed upon. I have called them twice to cancel the payment, each time the amount they said was different and they also refuse to cancel the payment.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ability Recovery Services, LLC (CA)

I am a victim of identity theft. I was parked downtown XXXX XXXX when my car was broken into and my wallet and other various accounts. I have no connections or knowledge of any account listed. 

please help me I tried everything and its no resolution. 

someone even have an eviction in North Dakota in my name which I have never lived outside of XXXX ca. 

please please help these aren't mines.