davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (WA)

We have called several times the company directly to try and fix the information being reported to the credit but each time we tried to work with them the problem got worse and it seemed they were just un-willing to work with me to fix it. I have been working on this for the last 3 months to see what i could do to resolve any issues that existed including making additional payments if necessary to fix it. But no co-operation from them.
Consumer complaint received 2020-11-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: OneMain Finance Corporation (TX)

found several discrerpencies in loan after signing what was not agreed, at time of signing " electonic " in branch my co signer ( father ) and I were not supplied with loan docs and told to pick up next day and upon reviewing hem at home found several discrepencies to include multiple account numbers, not extra credit and life insurance premiums choosen at time of signing ... ... ... ..lender only changed credit life and XXXX premiums without my consent ... ... entered branch were loan originated and closed and was told by branch manager since loan was closed she was unable to assist and given the customer care number XXXX and have explained over 3 times and told loan will be reviewd and i will be contacted and to date have not with any resolution ... ... I have only received banckruptcy cease orders from one main and i to date have not filed banckruptcy ... .My fther XXXX XXXX, co barrower recently XXXX  and claims have been submitted for life insurance payouts by unknown source and still no resolution to my issue
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BETWEEN XXXX AND XXXX, Inquires 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions. I believe this is a fraudulent action that has been made. There has not been any investigation to tied these accounts to me. I have no accounts related to these to hold them under my name or credit report.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Citibank closed my account and withdrew the remaining balance on XX/XX/2021. They sent me a letter and email stating my account will close in 30-60 days on XX/XX/2021, and any funds in my account after it is closed ( {$26000.00} ) will be sent to me in a form of a check after account closure. It has been over a month ( XX/XX/2021 as of this writing ) since my account was closed and the money was taken from my account but I still have not received any funds, and they are putting the money in one of their accounts to earn interest off it. I want this garbage of a bank to give me my money back and another ( {$15000.00} ) held in another account back to me.
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (NY)

Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. Please and Thank you I entered a consumer credit transaction with Consumer Portfolio Services on XXXX.which involved a finance charge along with a down payment of {$1800.00} cash. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. CPS is in violation of the 15 USC 1605 Truth In Lending Act. CPS didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Consumer Portfolio Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K
Consumer complaint received 2021-04-30
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. (CA)

There are 13 accounts on my credit report that do not belong to me I am getting harassed by collections and other companies for these accounts. I have opened a dispute with all three bureaus as well as consulted the furnishers that these accounts are in no way mine I need them removed asap. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-04-30
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: EQUIFAX, INC. (CA)

There are 13 accounts on my credit report that do not belong to me I am getting harassed by collections and other companies for these accounts. I have opened a dispute with all three bureaus as well as consulted the furnishers that these accounts are in no way mine I need them removed asap. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OK)

On XX/XX/19 I submitted request to Equifax by phone to place a freeze on my credit file. The option to place a freeze is buried in a hidden menu of options that can only be reached by pushing 0 several times with no prompts. Then after giving information ( SSN and numeric part of address ) system informs that request can not be completed. No instructions for mail or online are provided.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

I'm seeking validation of this debt that is said to be owed, I have not opened such account with Credit Management LP. 
I've reached out to XXXX, XXXX and XXXX multiple times and this such debt has not been validated.
Consumer complaint received 2018-07-20
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)

I've sent several dispute letters to the credit reporting agencies and continue to get an " automated '' reply in which they do not contact and verify with creditors listed on my report. Some information on my credit report is not mine and they refuse to remove it. In addition 2 of the 3 credit bureaus have stopped replying to my request for dispute which is against the law.
Consumer complaint received 2018-03-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Hampton & Hampton Collections LLC (IA)

I have been getting several local and 800 number phone calls that left no messages. XXXX XXXX called from local number XXXX XXXX XXXX and said there is a criminal case against me and i need to call for info. They gave me the # XXXX XXXX XXXX and a file #. I called and they identified as XXXX and XXXX. Stated they were going to mediate a criminal case against me with XXXX federal charges re : knowingly defrauding a bank. I asked which company reported this and they said XXXX XXXX which is a payday loan co i have used. XXXX i must pay XXXX $ or the sheriff will arrest me tomorrow. Asked for more details and caller got rude and threatening. Asked to speak to someone else and he said " it doesnt matter who you talk to, you will still get arrested. '' And then he hung up.
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

In XXXX, I disputed account # XXXX with LVNV Funding. The alleged original creditor was XXXX XXXX  according to LVNV Funding. I am applying for a mortgage and there is no XXXX XXXX XXXX  tradeline on my credit report. However, LVNV Funding has illegally RE-AGED the account. LVNV is fraudulently representing on my credit report that this account began in XXXX when I disputed it with them in XXXX!! This is causing me to have a lower credit score and affecting my interest rate. I demand LVNV delete this account and provide to me a letter deleting it so that I can provide it to the credit bureaus. If LVNV Funding refuses to delete the account, I DEMAND LVNV Funding provide to me complete accounting validation of the debt according to the Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act and the Fair Credit Reporting Act. Again, LVNV is ILLEGALLY RE-AGING THIS ACCOUNT TO DELIBERATELY HURT MY CREDIT RATING!!!!
Consumer complaint received 2020-06-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Santander Consumer USA Holdings Inc. (LA)

I purchased a new car financed through Santader Consumer Finance in XXXX XXXX. I made steady on time payments consistently from that date forward, to include a small extra payment each month. 

In XXXX of XXXX we sustained some minor storm related damage to the vehicle. The vehicle is insured through progressive insurance. During the claim process with XXXX  I expressed that I have 20+ years experience in paint and body repair and would be repairing the vehicle myself, out of pocket while awaiting the arrival of the insurance check, which was made out to myself and Santander . I spoke with Santander via their online chat portal, in which the representative informed me that Santander would not release any of the funds to me and would instead apply the funds directly to the principle owed. 

I received the insurance check for {$820.00} the balance of the estimated repair minus my {$500.00} deductible. I endorsed the check and included a note stating that I had already repaired the vehicle out of pocket and wished for the proceeds to be applied to my balance as was discussed previously with a Santander customer representative. The check was mailed from XXXX XXXX, LA to a XXXX, TX payment XXXX XXXX as is listed on all Santander payment documentation, on XX/XX/XXXX. 

I waited several days, checking often to see my account balance to reflect such payment. After a few days i became concerned and again contacted Santander to acquire about the payment, and was informed they did not receive the payment. I then contacted XXXX, who informed me that they did not have any indication that the check had been presented for payment, initially. I continued this process for a few more days checking every couple of days. Santander continued to claim not having received any payment, until I informed them on XX/XX/XXXX the check had in fact cleared XXXX XXXX 's bank as was confirmed by phone by XXXX. 

On XX/XX/XXXX I spoke by phone to Santander this time being refereed to an insurance representative of theirs who then stated that the funds would be applied to the principle of the balance owed on the account. However on XX/XX/XXXX, I made my regular monthly payment, of course the accrued interest for the full balance owed was charged and taken from the payment, with the remaining balance being applied to the principle. 

So Santander, received a {$820.00} dollar payment on or amount XX/XX/XXXX, denied having received the payment, and continued to charge me interest on a principle balance that I did not legitimately owe. So in fact Santander has stolen money from me in the form of interest in which I did not owe. And as of XX/XX/XXXX has still not credited the balance of the account and is currently still charging me interest for a principle balance that i do not owe, even though they have been paid.
Consumer complaint received 2021-04-06
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: CITIBANK, N.A. (PA)

I already reached out to the credit bureaus and to CBNA for the account number XXXX and notify them of their error posting for this account. and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2021-09-13
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: SYNCHRONY FINANCIAL (NJ)

I have requested a billing history for my account from JC Penney and have not received it. I am concerned that I have been over-billed and that my actual balance is lower than the company claims. I have requested a billing history to reconcile my account with the company starting XX/XX/XXXX to XX/XX/XXXX both over the phone and on the company 's website and have not yet recived it.
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (NM)

This debt with XXXX XXXX Hospital lab in the amt of {$150.00} was resolved in XX/XX/2018. XXXX was notified by XXXX XXXX Hospital at that time. I've received at least two more collection letters from XXXX, the latest on XX/XX/2018. XXXX XXXX Hospital has contacted XXXX twice and told them to remove this account from their books ( it wasn't removed when requested in XXXX ). The XXXX XXXX rep was told it would be removed that day. Yesterday I received another collection letter from XXXX to collect this same debt. They continue to harass me to collect this money even though XXXXXXXX XXXX   Hospital has notified them twice that it is no longer owed.
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (IN)

On XX/XX/2018, I sent an E-mail to XXXX XXXXXXXX XXXX, XXXX ( XXXX ). In the message I notified them that I am disputing a claimed debt and demand verification of the claimed debt, and that other than verifying this claimed debt, they do not contact me further about this debt. On XX/XX/2018 and XX/XX/2018, XXXX sent me two collection letters that did not contain the demanded debt verification, notification of the debt collector 's further efforts are being terminated, or notification the collector or creditor intends or may intend to invoke a specified remedy, in violation of FDCPA 805 ( c ).
Consumer complaint received 2024-10-03
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (CA)

I was contacted today by a debt collector- for land line service that was provided at a location that I did not live at for over a decade. When I asked about the term of service for the phone line, I was told to call XXXX XXXX XXXX. When I called XXXX XXXX XXXX  they told me that they didn't have the account information I was required to get from them. I'm just expected to pay them without even being told when the service was provided and where. I've disputed this debt multiple times and it keeps getting sold to a new debt collector and I have to go through the process over. I left the address in question at the end of XXXX.
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

I placed an order with XXXX XXXX XXXX via XXXX for 2 chandeliers on XX/XX/XXXX. I didnt receive my order til XX/XX/XXXX, and upon opening the package, half of the glass strands were broken, rendering them unusable. I notified the seller, and was told they were sending replacement parts out. I waited, and waited, and never received the parts. After waiting, what I felt was a more than sufficient amount of time, I filed a claim with Chase and reported the damage items. Chase filed a claim on my behalf, but I am being told it was denied due to being over 120 days from date of transaction. The reason for the delay, was for 2 reasons, the length of time it took to receive the order, as well as, trying to resolve with seller, before filing a claim, as I am required to do. I paid {$570.00} for damaged goods, and deserve to be refunded. The delayed claim was of no fault of mine, and I should not be forced to pay for goods that are damaged and unusable. I am seeking a refund that is rightly owed to me. I have all documentation and picture evidence of the damage items.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is not complying with their own policies in a timely manner. I mailed a letter with the date of XX/XX/2021 outlining all incorrect information regarding several accounts on my credit report. Then I followed up with another letter to the credit bureaus that has the date XX/XX/2021. Theres still no final resolution or response regarding the incorrect information that is on my credit report from the credit bureaus. Also another letter was marked XX/XX/2021 to remove inaccurate credit information and I havent received any response regarding the letter marked XX/XX/2021. I see multiple FCRA violations and misleading false information thats being reported from several accounts. Also TransUnion and XXXX is sharing false information that is being reported on my credit report. This information is false and also a violation of my character and my credit.
Consumer complaint received 2018-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC (VA)

An update to my case : I received a suspicious notification from " Nelson, Cruz & Associates '' attempting to collect on a non existing debt. They sent a physical letter to my residence on XX/XX/2017 attempting to extort {$990.00} for an " outstanding balance unpaid to XXXX XXXX XXXX ''. Like any well informed consumer, I understand that when an allegation like this is presented, you have a right to know : contact info for the original debtor and proof of money owed. Unbeknownst to this fraudulent entity, I know very well who my creditors are and have always been. I contacted XXXX XXXX myself and they confirmed verbally and in a written letter ( as I knew they would ) that they have no record of my SSN, name, DOB, account etc. They also informed me that they do NOT outsource their collections, but instead have a collections department in house. It was also mentioned that notices from " collections agency '' usually reference the original account # for the money owed, as well as complete contact information for the original debtor. When I spoke to a rep from Nelson, Cruz & Associates, he did not provide any of this information so I could substantiate the claim myself. Instead, he tried to negotiate down the debt and commit me to paying it immediately over the phone. I immediately hung up on him and reported Nelson, Cruz & Associates to the Credit Bureau, Attorney General of Texas, XXXX  and the Federal Trade Commission. I attempted to file a police report in XXXX, TX but was unsuccessful as I live in VA. The only advice I can provide is DON'T pay them a cent. Contact the State and Federal authorities and place a lock on your SSN because they posses personal information that they are using nefariously. 

IMPORTANT TO NOTE, the Nelson Cruz & Associates collection letter said the " client '' was XXXX with no reference whatsoever to XXXX XXXX. XXXX is FALSELY asserting that XXXX is the client of XXXX on this debt, when they are NOT. That has to be illegal.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Per complaint # XXXX on XX/XX/2021 and final remarks received XX/XX/2021 reveals hud-1 and purchase contract did not show {$49000.00} and contract not signed. 

This documentation was initially submitted to XXXX in the Ombudsman department a month ago by email. 

I am forwarding the information again. 

Please see attachment.