davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NJ)

I received a letter today XX/XX/year> from a letter claiming to be from " Transworld Systems Inc. '' with listed phone number of XXXX. The letter claims they are a " debt collector. We are trying to collect a debt that you owe to XXXX. We will use any information you give us to help collect the debt. '' It lists an amount that I had paid to XXXX ( confirmed with them today that the amount was paid in full ). I was charged this amount by XXXX only after I had closed an account with them less than a month ago ( XXXX days ago ) and switched to an account also with XXXX but under my name. I received no email notifications about this amount due, only letters via mail, and paid these in full via check immediately when I received the bills. I naturally could not pay my bills online because my account had been closed. All of my payments to XXXX have been on-time and in-full and have never had any problems with late payments, with anyone, ever. When I called the number on the debt collection letter and explained to them the amount was paid and that I didn't know how to proceed, the company couldn't provide me additional information but instead immediately transferred my call to XXXX. 

The phone number does not appear to be associated with Transworld Systems Inc. on their website.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Fraudulent Accounts Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX P.S.- Please remove, IMMEDIATELY, all inquiries that were made fraudulently and mentioned or described in the FTC report.
Consumer complaint received 2024-04-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC. (SC)

I have spoken with 3 different women working for Chrysler Capital XXXX.1st one just hung up phone..2nd talked nicely and tried to help..3rd..talked nicely and made some progress. Then car was picked up from my driveway on XX/XX/2024 in evening over night hours..it was a Voluntary reposession due to the loss of Motor/engine in car busted during normal driving conditions..it was unrepairable..so I had to leave it be. All mechanics said the motor had to be completely replaced. I could Not afford it. Now in XXXX of this year it is falsly reported as late payments..and still collecting interest as of XX/XX/2024
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Fraudulent Accounts Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX P.S.- Please remove, IMMEDIATELY, all inquiries that were made fraudulently and mentioned or described in the FTC report.
Consumer complaint received 2024-04-01
Product: Debt collection — Rental debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

I called to settle a debt that I tried to settle directly with the rental office. When I moved out, I wasnt given a statement of accounting so I was not aware I owed this debt until the collection agency started to reach out. I went ahead and paid the debt today and asked for a receipt of payment because honestly, I could have been paying anybody. Usually when you pay someone, you get a receipt. The person I spoke with, XXXX XXXX, started yelling at the top of his voice and when I asked to speak with a supervisor because of his tone, he told me no. I ask to repeatedly ask then he finally transferred me. I spoke with a supervisor requesting the same thing and they kept saying they would send a letter, which is not what I requested. I specifically asked for something showing what I paid and who I paid it to. They kept refusing. So I let them know I would be filing a complaint. Anywhere you go and make a payment, you should receive a receipt of that payment.
Consumer complaint received 2022-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IN)

When I took out this loan in 2019 with one main financial I was told about the interest rate but not once did they show tell me about the finance charge they just showed me where to sign. Ive been paying on this loan on time since 2019. Ive been paying around {$280.00} a month. The Loan was for {$7400.00} so its 25 % interest which is fine I didnt mind that. The problem was when I went to make a payment I still owed over {$6000.00}. When I called to find out why I still owed that much they informed me that I had a finance charge of {$6000.00} on my account for the loan. Not once when I signed up for the loan was I informed or showed a finance charge. On the online portal the highest amount they showed for the total loan was around {$9000.00}. So they were hiding the amount of the finance charge on the online portal as well. Overall I owed over {$16000.00} for a {$7400.00} loan how is this legal? I was also in the military at the time of me signing the loan. So they violated the military lending act by hiding this information from me.
Consumer complaint received 2021-07-23
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. (GA)

ON XX/XX/XXXX, I SENT IN MY LETTERS REGARDING INACCURATE AND FALSE ITEMS ON MY CREDIT REPORT. THE ITEMS THAT WERE TAGGED ARE FRAUDULENT AND I DON'T KNOW WHERE THEY CAME FROM. HOPEFULLY I WON'T BE IGNORED OF MY DISPUTE.
Consumer complaint received 2021-10-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PENTAGON FEDERAL CREDIT UNION (TX)

We bought a new XXXX from a XXXX dealer using their financing with XXXX XXXX. We refinance to Pentagon Federal Credit Union ( PenFed ). 
My complaint is with PenFed. 

PenFed paid off the XXXX loan and requested the lien and title from XXXX. 
XXXX sent the lien but not the title.

Two months later I get a threatening letter from PenFed saying that if I don't get the title from XXXX they will either raise my rate or use the lien against me. This is the first instance I've ever heard of any issues between the institutions. 
I call PenFed and they said that XXXX XXXX did not send the title. 
I call XXXX XXXX and they said " The dealership was late sending the title, so when PenFed made the request, we didn't have the title at the time. PenFed needs to call us again or make another request to send the title because we have it now. '' I call PenFed and tell them what to do. PenFed instead emails me their address. 
I call XXXX and tried to give them the address to send the title to. XXXX XXXX refuses because they can only deal with the lien holder ( they must speak to PenFed ) I call PenFed and PenFed said they do not call other institutions to settle matters. That I now must go to the DMV to request the lien and title from XXXX XXXX, then make another request to put the title and lien back in PenFeds name. 
I tell them " No. This is not my XXXX  job to do your job. I did everything I am required to do as a customer, and you are using me as a guinea pig to do your work. And now if I don't do YOUR job, you are threatening me with raised rates or using the lien against me. Make another request to XXXX XXXX to get the dang title and everything will be settled. '' The next day ( today ) I get an email from PenFed saying I need to call immediately. I call them and after 1 hour of being on hold I am told that they denied my request and now I have to resubmit all paperwork with the state of Texas to fix this. 

Since when do the customers ever get involved with situations like this? 
PenFed has deliberately used extortion techniques to get me to do their job.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC (AZ)

Disputed a Debt Collection, requesting a signed contract with my signature on it to dispute legality, XXXX didnt provide me this information, closed the dispute. Its illegal to buy my debt without my permission and signature and Im disputing it as I did not sign for a collection company to buy my debt, I wish for a signed contract provided to verify legality from Jefferson Capital.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I recently realized that my credit limit has been decreasing about 50  % without any prior notification from bank. As a result, the amount I owe has increased from XXXX  % to XXXX  % which could negatively affect my credit score in the long run. I have been a loyal customer of the bank and have never made any late payments to. However, when I called the bank supervisor named XXXX has no answer for me. He just dont know.
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attempted to reach out to this private owned student loan company to fix my issue regarding my payment history. I advised that it was impacting my credit score tremendously and my account is currently current and it is in deferment status because I am currently in school. The company refused to update my account to remove the delinquent payment status history. I advised them during those times I was working minimum hours or sometimes no hours at all. Once a time I was out of work and they work not willing to work with me only to receive some type of payment and pushing my account back further. The company doesnt try to assist with their customers or consider their situation and whats going on. We were even involved in a pandemic and I was one of the people who lost their job and they kept calling about a payment after I advised I was out of a job and trying to figure out my next plans. At this point I felt like I was being harassed, being constantly emailed, phone calls, voicemails, and even letters in the mail. The company does not care about their clients. I tried to advise them i was attempting to buy a house for me and my XXXX kids. Im a single mom and they delinquent status from them is heavily impacting my credit score. The dates are listed as followed : XXXX, XXXX, XXXX and XXXX of XXXX and XXXX, XXXX, and XXXX of XXXX. I have contacted the company multiple times. I even have emailed the CEO of the company. Nothing has taken place.
Consumer complaint received 2016-02-15
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (WI)

Chase violated the FCRA by accessing my credit report to conduct " Account review inquires '' after my account relationship had ended with Chase. This meant that Chase made these inquires to all three of the CRA ( Credit Reporting Agencies ), without my consent for an account review for credit services. This was not in an effort to offer credit or other services. Chase did not notify me or ask permission to review my account. Chase will not remove the inquiries or the accounts that were closed. I will take further action up to and including a lawsuit to protect my consumer rights under FCRA.
Consumer complaint received 2022-05-19
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. (IL)

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 credit score over 719XXXX has me at a score around 590. 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 XXXX 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 XXXX  its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX  remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX  now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

On XXXX XXXX a direct deposit was from my employer at XXXXXXXX XXXX Of the amount of XXXX and was sent to a guy name XXXX XXXX. I don't know anyone by that name. My direct deposit went to this person since the XXXX XXXX. I still haven't resolved my dispute and my payroll is gone. I uploaded all documents to chime and been calling and nothing is being done to refund me my direct deposit
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (VA)

I have disputed this after I disputed it the account was transferred to another collection company. I did not order this phone I did not give my permission for anyone to use my information to buy a phone. They can not provide me with my signature or ID used to get this phone! I would like this to be removed from my credit report since it can not be proven it was mine. I think my ex husband had it but I can not prove it. I also think they have messed with the dates I was told this was in 2009.
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (FL)

I attempted to reach out to this private owned student loan company to fix my issue regarding my payment history. I advised that it was impacting my credit score tremendously and my account is currently current and it is in deferment status because I am currently in school. The company refused to update my account to remove the delinquent payment status history. I advised them during those times I was working minimum hours or sometimes no hours at all. Once a time I was out of work and they work not willing to work with me only to receive some type of payment and pushing my account back further. The company doesnt try to assist with their customers or consider their situation and whats going on. We were even involved in a pandemic and I was one of the people who lost their job and they kept calling about a payment after I advised I was out of a job and trying to figure out my next plans. At this point I felt like I was being harassed, being constantly emailed, phone calls, voicemails, and even letters in the mail. The company does not care about their clients. I tried to advise them i was attempting to buy a house for me and my XXXX kids. Im a single mom and they delinquent status from them is heavily impacting my credit score. The dates are listed as followed : XXXX, XXXX, XXXX and XXXX of XXXX and XXXX, XXXX, and XXXX of XXXX. I have contacted the company multiple times. I even have emailed the CEO of the company. Nothing has taken place.
Consumer complaint received 2017-01-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

The company Wakefield and Assoc is reporting XXXX accounts in collections for XXXX medical account. They broke the XXXX debt down in to under {$20.00} increments and servery impacted my XXXX credit score over XXXX points.
Consumer complaint received 2015-05-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Collector can not make any false, deceptive or misleading statements. 15 U.S.C. 1692e, e ( 10 ). 

Additionally, this alleged debt is IN DISPUTE, reference CFPB Case Number XXXX, and FTC Complaint Number XXXX and a CEASE and DESIST was requested of SLS, which is being IGNORED. 
SLS had defaulted in the last XXXX Debt Validation request issued by XXXX. SLS defective and non-responsive responses to XXXX DO NOT DEMONSTRATE that SLS has a legal standing to collect. Including herein the XXXX Debt Validation Request documents ; SLS remained SILENT making their OWN ADMISSION that their purported claims have no legal foundation. 
For purposes of disputing this latest presentment, SLS Statement dated XXXX/XXXX/15- XXXX had issued the XXXX DEBT VALIDATION REQUEST dated XXXX/XXXX/15, via fax transmission, and received at SLS Offices on XXXX/XXXX/15.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (GA)

Hi I am submitting this 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 more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (AZ)

Received letter for {$480.00}. Original creditor didnt contact me until past statute of limitations for insurance company recoupment per Arizona law. Debt collection is illegal for phantom debt. Additionally they are phoning my office excessively.