davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (MI)

On XX/XX/XXXX and XX/XX/XXXX I received text messages from XXXX XXXX XXXX, a debt collector on behalf of Spotloan stating I owed around {$1500.00} and offering a settlement amount. I filed a complaint with the XXXX regarding this as fraudulent as I have never had a loan with Spotloan. In reply to the this complaint apparently XXXX returned my information to Spotloan. Spotloan then attempted to contact me via phone and contacted me via email on XX/XX/XXXX citing that I had reported identity theft and wanted me to return an affidavit to them with all of my information. They stated a loan was created in my name on XX/XX/XXXX for {$600.00}. If a loan was created in regard to any inquiry it was never completed by me, signed or received. 
I have my bank statements verifying I never received such a loan. I had no contact from Spotloan regarding this until the text messages were received from a debt collector. I also went to their website and searched for an account with my email and nothing was returned so I can not see any account established with my information. If they had my information it seems there would have been contact before the text messages were received from a third party. 
This seems fraudulent on Spotloan. Due to the potential for fraudulent activity seemingly from their company I do not feel comfortable supplying them with any further information of mine. 
I would like them to clear this matter and cease and desist all contact with me regarding this and all attempted collections to stop. I dispute that I ever had a loan and do not owe them any monies.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I sent {$43000.00} to an account in the XXXX for a down payment on a house and Wells Fargo the next day locked and put a hard hold on my account which the only way to solve is to fly back to the XXXX and sort it out. 

The receiving account couldn't receive the money either because wells Fargo blocked it so it was supposed to get refunded but it has been over XXXX weeks and the money is not in my account. Receiving account showed me a XXXX copy and wells Fargo claims they know nothing of this. 

I don't know when OR if i will even get the money back
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX # XXXX and 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

Equifax has a incorrect information related bankruptcy Chapter XXXX related XXXX XX/XX/XXXX The correct information should reflected Bankruptcy Chapter XXXX -Discharge-XXXX XX/XX/XXXX I asked many times Equifax to make a correction with Chapter XXXX with no success.
Consumer complaint received 2023-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JTM Capital Management, LLC (PA)

On XX/XX/2023 I send out a certified letter to validation this debt from Jtm management Its Now XX/XX/2023 its also past XXXX days. They did receive the letter on XX/XX/2023 and it was signed They never verified the debt. I will call the company and it keep going to company voicemail and left voicemails But Im being harsh with phone calls from this company. Everytime I dispute this account its always updated thats it verify. Will also attach the letter I sent to them to fill out to verify and also the certified receipt. This account was paid in full and I never had any late payments or negative history on this account. This account shouldnt have went to collection and it shouldnt be saying charge off. The resolution to the company is to : To remove this debt off my credit report With all three credit bureau XXXX, XXXX, XXXX For not verifying debt within 30 days and for harassing me. will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following.
Consumer complaint received 2020-09-15
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. (GA)

An account with XXXX XXXX was open in my name with an identification card that doesnt belong to me using my social security number ... Ive filed a dispute with Experian and they always come back and say it has been verified ... I contacted the company which told me they have responded and they arent reporting this trade line ... Experian is refusing to delete this account from my credit file ... which was open fraudulently ... I have submitted a police report to Experian and they continue to ignore me ... I need this fix.
Consumer complaint received 2024-04-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc. (CA)

I just recently received a letter from California Business Bureau about the debt. ( a collection agency ) I went to the hospital for a dislocated shoulder. I was given a sling and a prescription for XXXX. The bill itself is over {$5600.00}. I was working part time and on a waiting list for health insurance at my job. I filled out an application for emergency medi-care. It wasnt until later that i saw it on my credit report that i was informed of the debt. I dont think i owe them.
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

I requested a refund from EdFinancial for all of my payments made during the XXXX payment pause. XX/XX/XXXX {$18000.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} They told me they will submit the request. On XX/XX/XXXX I see that my balance has been reinstated on my account to - {$18000.00} on the EdFinancial website. However, on Friday, XX/XX/XXXX, I see that my balance is back to {$0.00}. I have spoken with EdFinancial On XX/XX/XXXX and XX/XX/XXXX, on both occasions the agents told me that my refund request has been denied because the payment was made by a third party consolidator. I have filed a complaint on CFPB ( XXXX ) that was closed today by EdFinancial with the same information, they are unable to refund consolidation payments. 

I did not consolidate my federal student loan during the payment pause. I had a third party payoff the balance of my loan. 

EdFinancial states : " You may view more information about the XXXX XXXX at https : XXXX ''. It clearly says on that link that " You can get a refund for any payment ( including auto-debit payments ) you make during the payment pause ( beginning XX/XX/XXXX ). Contact your loan servicer to request that your payment be refunded. '' It does not state clearly anywhere on that website that a payment made during the payment pause from a third party consolidator, third party refinancer, or third party <fill in the XXXX can not be refunded. EdFinancial is not adhering to the guidance published by U.S. Department XXXX XXXX XXXX XXXX XXXX ( XXXX ).
Consumer complaint received 2018-09-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC (AZ)

I took out an installment loan with Blue Trust Loans in XX/XX/2018 for {$1200.00} to pay bills.I am a teacher and am getting paid again, but I am struggling to pay back the loan because of the high interest rate of 634.66 %. I planned on paying back the loan right away to avoid the interest, but was unable to do so. I have already paid back {$1700.00}. I would like to settle the loan as paid in full. They are trying to collect the amount of {$1500.00}.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This account has been paid to a XXXX balance. 


XXXX XXXX Last reported : XX/XX/XXXX {$12000.00} Good Overview You've paid off 35 % of the original amount. 
Balance {$12000.00} Highest Balance {$20000.00} Monthly payment {$380.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Term 72 months
Consumer complaint received 2017-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company (PA)

I have an account in collections  that was opened on my credit report this month. The account is listed as " Commercial AcceptanceCompany '' and  says the account was opened on  XXXX / XXXX / 17  with a balance of {$1900.00}. I 've left multiple messages at the phone number  XXXX  but can never actually speak to a person and do not receive a call back. I did not open any accounts in  XXXX  of this year and have absolutely no more information on the 'debt ' which I believe is a fraud ulent one. I am frustrated and do not know how to proceed. My credit score has dropped significantly due to this.  What can I do?
Consumer complaint received 2019-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

On or about XX/XX/2018 an i quiry showed up on my reports from a Capitol One Auto Finance in XXXX, TX. I have never heard of this company, never applied for any services with this company, never authorized any credit inquiries from this company. This isnt mine and should not be on my reports.
Consumer complaint received 2023-03-20
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. (MD)

In accordance with the Fair Credit Reporting act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (VA)

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 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
Consumer complaint received 2018-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California (CA)

The day this was opened was on XX/XX/2012 Total - {$1300.00} by XXXX XXXX XXXX XXXX. I have never been admitted to a XXXX XXXX  XXXX XXXX. I would get phone calls and I would explain this was clearly not me and to look into the possibility of it being my father that has my same name and sadly is now desist. I have been attempting to dispute this for a very long time now. I truly hope you guys can help.
Consumer complaint received 2016-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (FL)

Diversified Consultants out of XXXX has called me repeatedly on a 6 year old debt at least XXXX a day after I have asked multiple times to not contact me on my cell as it is used for work. I have asked repeatedly for them to correspond with me through mail.
Consumer complaint received 2019-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (IL)

I was sent funds from a family member and there was an error code XXXX claiming there was some error with the receivers information. I called into customer service after I verified with the sender the info was correct. After still having issues I called back into customer service after I was told to call back with the sender with me on the line. I was on the phone for almost twenty minutes when the rep told me something that made no sense which was that my mother had sent too much money or that I had received too much money and thats why the transaction wasnt going through after knowing that was not a factor since I had not received funds in months I asked to speak to a supervisor. The supervisor got on the phone very nasty, unprofessional and rude and wanted to demonstrate his incompetence by immediately saying he would not speak on a conference call. When I informed him we were already on a conference call with the previous agent for over 15 minutes he began to raise his voice to over talk me and say " you have 5 seconds to hang up the call or I will. '' Then the half bad english speaking " supervisor '' hung up on me and my mother. When calling back to customer service I was placed on endless holds and refused to be transferred to a supervisor. After the third attempt I finally got a supervisor who alleged he had no way of finding the name of the supervisor and that they would review the call history. I spent over an hour going back and for and on hold with western union.
Consumer complaint received 2023-08-21
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. (WI)

XXXX XXXX XXXX had issues with their auto pay system twice in XXXX 
So the two missed payments in XXXX wre their fault. not mine Since XXXX  they have reported this to XXXX XXXX, Equifax, XXXX as late. 

XXXX XXXX, Equifax, and XXXX have been putting this on my credit report without my permission, even after several letters detailing the issue. 



In accordance with the fair credit reporting act, the above mentioned creditor & credit bureau agency has violated my rights.

U

nder 15 USC 1681 section 602 States that I have the right to privacy. Under 15 USC 1681 section 604 ( a ) section 2 also States a consumer reporting agency can NOT furnish an account without my written instructions Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2019-05-26
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VW Credit, Inc (MA)

This credit company vw credit inc leased me new car back in XXXX and its brand new and it ghastly full coverage insurance, My father drove it one day and he got into a car accident which totaled the car and the car wasnt drivable with that being said the insurance paid the vw credit inc. and now I see my credit is damaged by them and I kept calling them and once I handle them my information they constantly keep me on hold and the kept adding more money that I owe on the account with the car being totaled my name is XXXX XXXX my social is XXXX and I am furious by the VW CREDIT INC I beg for help because I am trying to build my future and live happily and constantly they are making me upset I hope you feel the frustration I am in, I tried numerous times to dispute it from both XXXX and XXXX and they wouldnt let me
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX Ive had issues dating back to XX/XX/XXXX regarding my credit file and random reporting issues that at times are minor to others major issues. Stuff that is there one day yet the coming week weeks, months or years will have been erased off. 

We are now at the worst point ever wuth this problem. Why? XXXX has failed to properly look into my repeated claims regarding this XX/XX/XXXX I was given an escalation number of XXXX told 7-10 days for the department who handles these research of issues to resolve the problem. Numerous times I tried following up well after the 10 days even into XXXX and told no issues were discovered. Knowing good well it wasnt worked if thats what was reported back. 

XX/XX/XXXX Escalation number XXXX was provided after finally reaching a manager named XXXX  who saw exactly what I was stating. First hand. Who also gave me reference number XXXX regarding the FTC Inquiries that werent processed yet thou recd ftc in office on XX/XX/XXXX so he processed it. He also looked up the previous escalation number to his surprise to learn the number showed tied to my account yet still pending from XX/XX/XXXX with exactly as Im stating still is ehar was documented in that escalation number back then. 

I called today to just check the status of everything the manager stated tbe inwuiries were deleted so I asked him then why if they were deleted on the XXXX XXXX  being XX/XX/XXXX are they still showing up. He stated he didnt know. I said you say the report regarding them being deleted was mailed out on tbe XXXX also and as you even see there still reporting. Just give it time please, no thats my problem. Ive given ample time since XX/XX/XXXX youre ruining me finically across the board. So Im left to seek my reports thriygh annual credit reports to which I cant access my reports even. 

XX/XX/XXXX at XXXX I went through the phone system to order my XXXX  report to which it stated it would be processed and mailed within 15 days. No report had arrived. Which is a violation of some sort Im sure considering I can prove over and over Ive gone through every measure possible to get this fixed. 

I assure you Ill seek legal action in tve coming weeks if action is taken and results regarding all this top up bottom arent delivered. 


AnnualCreditReport.com dont respond to this complaint with a form response telling me how to order my reports or such. That clearly doesnt apply here. You as a person who works at annualcreditreport.com need to verify whats stopping things in the backend and communicate those directly to myself & XXXX as well.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

In XXXX, a storm brought a tree down on my home landline, so I decided to go with XXXX XXXX XXXX for my home phone service. I called to set up the service, but no one came out to connect the landline. The service was never established, but I received a bill in the mail. I called XXXX XXXX XXXX to cancel the service. The representative said that there would be no charge, but every year I receive a collection letter from a different agency attempting to collect money for services that were never established. I have spent several hours on the phone trying to get someone from XXXX XXXX XXXX to address these charges. There is no evidence of phone service at my home, nor any calls or data records for phone service. Every time I dispute the charges, they go to another collection agency. This has been going on for years. Now XXXX XXXX XXXX is telling me that the bill is too old for them to review the details. Account # XXXX. A charge for {$97.00} in now on my credit report. I disputed the charges with IC System and received a letter that stated that it was a legitimate claim, but no one at XXXX XXXX XXXX can provide me with any information regarding these charges.
Consumer complaint received 2024-05-02
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: EQUIFAX, INC. (MN)

Who : Equifax XXXX XXXX who refused to delete negative info on credit file : XXXX XXXX XXXX XXXX XXXX XXXX What : 2 collection accounts are closed. 
( see attachment ) XX/XX/24, XX/XX/24. 
Called Equifax requesting collection info be deleted. 
Equifax agents refused to delete negative info from credit file. I shared with them that my request was in accordance with FCRA. I referred them to the supporting statements of the FCRA, to have correct info reported and incorrect info deleted from my credit file. Each Equifax agent still refused to delete negative info from credit file. 

When : XX/XX/24 Where : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Why : Agents refused saying info would remain on credit report per Equifax policy.