davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (WI)

The company XXXX XXXX finance vehicle through Gm financial and they have been a constant pain to work with they have constantly repossess my vehicle. Maybe possess my car more than needed and Im constantly having to pay large amounts of money to return my vehicle back into my possession and its not fair to me or my family that we currently have a vehicle taken off without any notification that the vehicle was repossessed somewhere the company needs to be made to properly notify consumers that they will be taking a vehicle back into the custody the person that told me I could never do it on your door never even said anything at all just took off with a vehicle and it sounds like they had cross the vehicle in the back and hit it hard. And I didnt know that it was my vehicle being told I thought it was just a sweet street to come in to cleaning up the leaves off the street like they did last week here come to find out my vehicle got towed from a unknown area and theres no reason for it every time we did this I had to call the police and reported it stolen because it wasnt fair to me if they didnt give me five notice that they were going to be taking my vehicle back even though my vehicle was him lease was out XX/XX/XXXX ask you should I had enough time to settle my account with the dealership and would you and financials will be in dealer sales will sit down And the lines were busy and they never did answer the phone so now they had a vehicle back in the position and its still defective and Im trying to see if they can either replace all my money or place me in a different vehicle because theres some food in me that I had to constantly be in the service department for this vehicle all XXXX four years of rent in this vehicle or three years and is continuously defective it constantly has to have repairs I just spent {$400.00} on it before they roof assessed it also made a payment I actually close to {$800.00} on this vehicle so Im trying to trying to see if the dealership or GM financial can return all my money that I have paid in to the XXXX XXXX  XXXX because the car had a recall her and it was also defective also feel like they get over on me on the cost of towing and storage they took my vehicle to follow locations and I had to call for a ride to get my vehicle back in my position in the field would not return the vehicle back to me after I have paid all the money and I just I just want them to return my money.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (AL)

I revoke all power of attorney to Sequium Asset. Sequium Asset does not have a certificate of Authority to do business in Alabama. Sequium Asset have not sent me a dunning letter but they have put a fraudulent account on my credit report.Sequium Asset do not have the authority to collect any money from me.Sequium Asset is guility of racketeering, forgery, and obstruction of justice.Sequium Asset is in violation of the FDCPA and FCRA Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Sequium Asset, Violation of15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Sequium Asset. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company 803 of fdcpa.Acccording to the FDCPA 1692H I am owed money for all violations.Also, I have attached a copy of the false reporting on my credit report with a fraudulent open date, fraudulent amount owed.
Consumer complaint received 2020-10-30
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. (MO)

Every since my identity been compromised i been living an nightmare via my credit file. There's unauthorized accounts on my file, inwhich although closed now it's still part of my file. The over all problem here is that these accounts do not belong to me, therefore I'm demanding that they are removed. 

1. XXXX XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2020-08-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Performant Financial Corporation (PA)

As of XX/XX/2020 My Tax Return was taken from me due to XXXXt Student Loan. I was told that we would not lose our Tax Return this year due to Covid-19, I was going to get around {$2300.00} back and everything was taken. I am now trying to get back to work but without that money I am pretty much having to live and Friends and Family and  borrow money just to get by day to day ... I have not heard any word from the company that now has control over the loan amount ... I am pretty much living on the kindness of family to let me live with them until I can some how get back on my feet ... I would like to know why my tax return was taken if I was told it would not be ...
Consumer complaint received 2017-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

in XX/XX/XXXX i told XXXX precisely the garage door opener system i had and ordered the opener remote control item they said would work. it did n't. completely wrong. also no invoice was enclosed with the item, but the charge ( {$82.00} ) appeared on discover. after trying unsuccessfully to make it work XXXX sent me a second, different product, which did work. i asked for a shipping label to return the first, incorrect item. they sent me a label for the second, correct item which i wanted to keep. i contacted them again on XX/XX/XXXX and they said, " Upon checking on the order, I have see that you can return the item on store. 
Visitor ( XXXX GMT ) : ok thanks. i 'll take everything i got with me. 
XXXX ( XXXX GMT ) : Please visit store with your invoice and our team will help you! '' so i went to a XXXX store where they refused to take the item back. they said that they did n't carry it. 

i contacted XXXX again on XX/XX/XXXX and after a long talk, XXXX could find no record of the first purchase ( wrong part ) : " XXXX ( XXXX GMT ) : I believe in keeping transparency. The order number provided by you does not show up in your order history. '' i gave them every number on the package i could find plus they had my name, address, date of transaction, part number, etc. still they found no record, so they would not let me return the item. 

now discover has sided with XXXX, saying i must provide proof of return in order to get the charge reversed. I mailed discover transcripts of all chats ( several pages ) documenting that XXXX sent the wrong part, sent me the wrong return label, told me to go to the store where they refused the part, and finally had no record of me ever buying it so i could n't return it. how can i get proof of return when XXXX  wo n't let me return it? i think i have done far more than my share to resolve this, including more than an hour and a half on chat and wasting time and gas driving to the store as they directed me as well as printing and mailing pages of transcripts along with every number concerning the part that i can find. 

sorry this was long. thank you for your patience. XXXX
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021, my small business account at Wells Fargo received a wire transfer of approximately {$31000.00}. I then used these funds to complete a purchase for the customer. On XX/XX/2021, Wells Fargo debited my account, emptied out all the funds, without my knowledge or consent. If they had any doubts, they could have contacted me when the funds were received. Having the wrong account name but the correct account number, is not a reason for them to return the funds without contacting me, or obtaining my debit authorization. 

Under Uniform Commercial Code 4-A-207, if a beneficiary 's name does not match the account number provided on a payment order received by the beneficiary bank, and " the beneficiary bank does not know that the name and number refer to different persons, it may rely on the number as the proper identification of the beneficiary of the order. The beneficiary 's bank need not determine whether the name and number refer to the same person ''. 

In Wells Fargo Wire Transfer agreement, " if a wire transfer request describes the person to receive the wire transfer ( the " beneficiary '' ) inconsistently by name and account number, the wire transfer may be made on the basis of the account number, even if the account number identifies a person different from the Beneficiary. If a wire transfer request describes a financial institution inconsistently by name and identification number, the identification number may be relied upon as the proper identification.
Consumer complaint received 2021-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I was recently contacted by IC Systems regarding an outstanding utility bill from XXXX that I am not responsible for. I have never had XXXX services in my name. How this was addressed is because I am currently resolving an issue with IC Systems for an electric bill. I am not for certain but my guess is this is a case of fraudulent activity. The amount that was community me that I supposedly owe is {$850.00}.
Consumer complaint received 2017-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am trying to connect my bank account with XXXX XXXX and they notified me that Capital One is not allowing me to connect my account. XXXX notified me that I have the right to access my account and suggested for me to contact the company or file this complaint.
Consumer complaint received 2020-10-30
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. (AR)

Experian Report # XXXX Account : XXXX/XXXX  Account # XXXX Amount {$3200.00} Upon discovering fraudulent activity on this account, I disputed this account with Experian. Due to the fraud activity on this account, it was never supposed to be report to any of the three credit agencies. I disputed this account in or around XX/XX/2020. The account came back as verified. For the past three months I have been reaching out to XXXX in an attempt to get a complete financial accounting of all transactions, payments, when the account was opened/closed, where the account was opened/closed and is a statement as to why the account show there is a balanced still owed on a charge off that is accruing interest. I sent a validation letter to XXXX on XX/XX/2020 and as of today XX/XX/2020 I have not received a response back from the company. XXXX has refused to validate the date and they have refused to provide me documentation related to the account they are charging me for. 
On XX/XX/2020 around XXXX XXXX, I spoke with XXXX via telephone from Experian. I questioned him as to why a fraudulent and unverified account remained on my personal credit report. XXXX informed me that XXXX varied the account by mean on an electronic notification. He stated that XXXX did not provide any tangible documentation, they simply pushed a button and stated the account was correct. I asked for more information and requested that the account be reinvestigated. XXXX informed me that if I wanted an investigation on any items on my credit report, I would need to go to the police station, file a police report, list each item individually, and send a copy of the report to Experian either by mail, fax, or upload it. He then provided me with the fax number, mailing address and directions as to how to upload the police report that he told me I need to go file. I asked for the account number on the account and information as to who was collecting the debt. XXXX stated that he could not provide me that information for security reasons. This account is not being handled correctly and I do not think XXXX from Experian should be providing me legal advice. Also do not understand how Experian can legally keep a fraudulent and unverified item on my credit report. Lastly, I do not understand how legally, Experian can refuse to dispute an account on credit report with me following the directions of their legal advice.
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc. (PA)

RGS has continuously called me using abusive language to collect an alleged debt of {$11000.00}. They have sent a bill on XX/XX/XXXX and after to collect this alleged debt after repeatedly being asked to stop. A letter has been sent on XX/XX/XXXX XXXX for cease of such collection of this alleged debt with no response from RGS however RGS continues to report negatively on my credit report. After more than 60 days this company has not responded to either letters asking this company to send proof of this alleged debt or to cease collection of the alleged debt. They are a burden on my life causing me great XXXX and XXXX in which I have had to seek medical attention for.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (MO)

I have tried on several occasions to get my mortgage company to report my payment to credit bureaus they have not reported payments since XX/XX/2020. They are not reporting on purpose because I am trying to refinance
Consumer complaint received 2020-10-30
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. (CA)

On XX/XX/XXXX of this year, just before property taxes were due, I realized on one of my mortgages the escrow account did not pay my property taxes as of said date. 
I called XXXX inquiring as to why my taxes weren't paid yet? They said they would respond with 72 hours ... No response ... I call back again ... same response - " we will call you back in 72hours '' ... another 72 hrs later zero response..This went on for almost two months when finally I called and they said the escrow account is short and they need to recalculate what the dollar amount is ... ... They said they would get back to me in 72 hrs ... No call back since Shellpoint took over as lender at the beginning of the year I have been on automatic withdrawal on all 3 accounts I asked them until they get this adjustment corrected should I refrain from automatic withdrawal ... They said thats not a problem as they would rectify this issue quickly and get back to me within 72 hours ... Absolutely aero response I call into XXXX  in XXXX to ask if they paid the property taxes and penalty and wanted to make sure I wa n't being charged for this error on their part and penalty for unpaid taxes They assured me they didnt charge me and sent me a letter justifying the charges and that they paid the penalty ... At this time they didn't mention I had to pay XXXX 'XXXX mortgage payment ... And I was put back on automatic withdrawal so I figured they worked it all out and I would just get automatically billed for the new amount It wasn ; t until a few weeks ago did I get notification that my credit score showed a missed mortgage payment for XXXX I immediately called them and every 3 days when I call in have been given the same speech - " we are looking into it and will get back with you within 72 hours ... ZERO RESPONSE!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TRANSUNION/FICO XXXX report that I too many delinquent accounts, when in fact there are none. ( Background : XXXX XXXX asked for a round up donation for XXXX XXXX XXXX in the amount of XXXX XXXX for a total purchase of {XXXX XXXX The original purchase was cancelled as the product was never available to begin with. But XXXX did not remove the donation when the product fee was credited to my account. That donation fee was paid in XX/XX/2023 however XXXX failed to timely collect the payment before the account was closed do to an on going fraudulent problem with that bank account. ) Further said statement claims there are too many accounts open with balances when there in fact are none. ( Background : we use 4 major credit cards for all of our purchases depending on the percentage paid back to us. None of these accounts carry a balance due beyond their given due dates. All balances are paid in full. ) Finally, this is not the first this service has produced erroneous information that has negatively impacted my credit score. Prior to this fraudulent report my was XXXX XXXX. The only remedy is the restoration of my correct credit score and a monitoring of the aforementioned business practices. Thank you in advance for your time and consideration. XXXX
Consumer complaint received 2020-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

Resurgent had three collections accounts on its website in my name. I repeated disputed the accounts to no avail. I decided to settle the accounts clean up my credit reports and to move on with my life. 
The accounts are : XXXX XXXX XXXX XXXX ... XXXX ) ; XXXX XXXX XXXX  ( ... XXXX ) ; and XXXX XXXX XXXX  ( ... XXXX XXXX Resurgent offered 85 % discounts on the first two account ( that i did not have to pay ) and 50 % discount on the third account ( that I did not have to pay ). ALL THREE PAYMENTS WERE TO BE COMPLETELY DELETED FROM MY CREDIT CREDIT REPORTS.

Yesterday, Resurgent sent me letters saying that I still owed balances on the three accounts that I had already settled for IN FULL. 

Attached is the letter sent after I paid the third account with XXXX XXXX XXXX  XXXX ... XXXX ) for {$500.00} in which Resurgent stated clearly that it will contact the credit bureaus to DELETE the tradeline associated with the account.
Consumer complaint received 2020-10-30
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$83.00}, {$81.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account. 

2. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$81.00} -This is not my account.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing an account listed on my report by XXXX XXXX XXXX with Transunion, XXXX and XXXX for months. The account has come back verified each time. I asked how this information was verified and received no response. I was able to get reach out to XXXX XXXX XXXX and received information that the balance reporting on my credit reports is NOT accurate. 
Had the companies done an independent investigation and not relied on E-oscar, or had they verified that the reporting account was metro 2 compliant, then they would know that my concern is valid and the account should be removed immediately. 
This is a violation of the FCRA. All information reported should be 100 % accurate and verifiable.
Consumer complaint received 2024-02-24
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-01
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. (NC)

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.