davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to XXXX, XXXX, and Transunion requesting validation of the alleged debt. In response, XXXX XXXX XXXX sent a letter dated XX/XX/XXXX, wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. I have disputed the account with XXXX, XXXX, and Transunion demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim XXXX XXXX has continued to verify the debt. Additionally, I am still receiving mailed statements from XXXX XXXX XXXX  despite the fact that I have yet to be sent proof of the original contract for this alleged debt. These companies is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).
Consumer complaint received 2018-01-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

We feel that we were given misleading information about the balance owed on a new XXXX XXXX. We voluntarily gave the car back to XXXX. Settlement amount was {$8200.00} We paid to XXXX XXXX XXXX We have a XXXX balance. XXXX is reporting that we have a balance of {$3400.00}
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX the XXXX i applied for a personal loan for the amount of {$400.00} from a loan company named XXXX XXXX XXXX. At the same day, later on the evening, XXXX 's department of Bank of America called me and said that this is a fraud loan company and that they will return the money to the loan company and they will close my account. Since that day, i dont have access to my account because they close it and now i have the loan company keep calling me requesting the payments for the loan. I m trying to contact BoA but they keep transferring me to another department. I want to find out why after 3 weeks they havent send the money back to the company so they can close my loan?
Consumer complaint received 2017-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (OH)

The original account was with XXXX XXXX XXXX for internet services. I closed the account because I moved in XX/XX/XXXX. I paid all bills ( through auto pay directly out of my account ) and returned the router to the XXXX XXXX location in XXXX. 

I have never received a bill, notification or any other communication from XXXX XXXX. Furthermore, even if there was a debt the account was in autopay and all outstanding balances should have been paid through that. 

I now have a negative report on my XXXX Credit report for {$56.00} owed to XXXX XXXX XXXX as a collection/charge off on behalf of XXXX XXXX XXXX. This began reporting in XX/XX/XXXX to XXXX. I have not received ANY communications from XXXX XXXX XXXX or XXXX XXXX XXXX about any debt or that anything will be sent to the credit bureaus. This is absolutely incorrect and I demand that either XXXX XXXX XXXX or XXXX XXXX XXXX correct this negative information immediately.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (CT)

On XXXX XXXX, 2018 I received in the mail a XXXX credit card from Wells Fargo that I never applied for. I immediately called Wells Fargo ( after verifying the phone number on their website ). Their department that investigates matters like these is supposedly looking into it and will call me in the next day or two. Rather than giving them any personal information over the phone, I told them that I would go to a Wells Fargo branch to officially close the account.
Consumer complaint received 2017-12-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC (GA)

The number ( XXXX ) XXXX and other variations of this number have been calling my mobile phone and my job for several months now. They would call my work number first, and then hang up without saying anything. Then a few minutes later, the same number would call my mobile number. I have blocked several numbers with the XXXX area code from my mobile because I know this company continuing to call me from different variations of their business numbers. Today, someone called my work number and wanted to verify my date of birth and did n't even tell me the name of the company. I asked what was this dealing with, and was told that it something to do with " my business ''. I ended the call because I was not going give my personal information. I then called the number back and the name of the company is XXXX XXXX XXXX. I stayed on the line to see why they were calling me. The woman on the line stated that she was a Manager, and that she needed to verify my employment and date of birth. I told her that I do n't give out my personal information. She stated that the company she was representing was XXXX, and that I had an account with them in 2014 and was making payments on the account. I told her that I do n't recall an account with XXXX, but that I had some fraud issues going on with a family member. She stated that if it was fraud or identity theft, the perpetrator would " hit and move ''. I again told her that my issues was with a family member, and that I did n't have an account with XXXX. I asked why was n't any letters sent out, and she stated that several letters had been mailed to me. I did n't get any letters. She stated that my information needed to be verified, so the company ( XXXX ) she represents will continue to decide on what actions needed to be taken on the account. I told her that I was n't going to verify any of my personal information, and I ended the call.
Consumer complaint received 2022-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (VA)

I submitted a request for a deferment to begin XX/XX/XXXX, along with supporting documentation. My request has been rejected several times although I have sent in sufficient documentation. The first document that I sent in was dated XXXX XXXX, however it showed that my benefits received from XXXX agency were ongoing..I also included my dependents insurance card showing new coverage would go in effect starting XX/XX/XXXX ( which is within time period of my deferment request ). Rhose documents were denied, and tep stated letter needed to be dated within 30 days. I explained to rep that XXXX XXXX  agency could only provide me with most recent letter that went out regarding my benefits ( that letter was dated XX/XX/XXXX, and once again showed that benefits would be renewed effective XX/XX/XXXX ). My second letter of documentation has also rejected..although it clearly shows that I am currently receiving benefits through a government agency, and benefits went into effect during time of deferment request.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

To Chase Bank, a local branch, where I had an account for several years, I brought in a " questionable '' US postal money order. Let the teller in lobby know I was suspicious. Teller said to wait 3-4 days & if it cleared it would show up. I waited 3 days OVER the verification process before returning. Was told by same teller that it cleared & was GOOD TO GO. Three to 5 days later received mail that no it was fraudulent! Crooked as the day is long!!! Now they say I owe them! What a racket!
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WA)

They call leaving multiple messages saying they need to speak to someone that is not me. Saying it is urgent the person they need contact them about a matter before them. 
This is from XXXX XXXX Recovery Division. XXXX XXXX XXXX. I asked them to stop calling me because they have the wrong person. They keep calling.
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (NV)

I contacted bridgecrest XX/XX/XXXX to ask for a defreement as my wife was having XXXX i was told to call back on friday which i did i was told they were not doing that at this time. On XX/XX/XXXX my wife had to go back in for emergency XXXX. I contacted them agsin askung for help again was denied. Then the phone calls started 20 times in a 10 minute period. I keep in contact with them begging for help and denied denied denied. They keep saying ee dont have to help you just pay more i had to pay to save my wifes life i only make so much money. Im a good customer.
Consumer complaint received 2018-01-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX {$1.00} and {$3.00} were attempted to be pulled from my Bank of America account, there were not funds in the account to cover and charges were returned and I was charged {$35.00} for each item. This is gross overcharging and I requested the fees be reversed.
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

In around XX/XX/XXXX or XX/XX/XXXX I was XXXX years old and living with my parents and I was forced to sign a lease contract in which under California law that 's a violation. 
XXXX XXXX XXXX XXXX had me sign the lease contract online by force and if I would n't sign the lease I would n't be allowed to live with my parents. 
My parents did n't know and I told them, but we need it apartment and we did n't say much or else we would n't have a place to live. 
I have filed many complaints against XXXX XXXX XXXX and collection company Fair Collections and Outsourcing XXXX XXXX XXXX, XXXX XXXX XXXX, MD.XXXX.XXXX. 
My credit scores and credit is destroyed because of XXXX  XXXX XXXX, Collections and Attorneys forcing me to pay {$3700.00}. 
My Dad XXXX XXXX XXXX XXXX XXXX Military Veteran and XXXX and XXXX file a Federal Bankruptcy Chapter XXXX in XXXX, Texas and debt of {$3700.00} that was his was included in the bankruptcy.Federal Judge discharged Bankruptcy on XX/XX/XXXX, Filed case # XXXX My mom XXXX XXXX and my sister XXXX XXXX should n't be liable for debt as my dad was the wage earner and primary leasr on XXXX XXXX XXXX  Contract. 
I am been Retaliated and Discriminated because I am XXXX and also my mom and sister. 
All our credit is been destroyed because of the Retaliations against us as XXXX. 
XXXX, XXXX and XXXX has collections of debt of {$3700.00}. 
Me and my sister was high school students back around XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX. 
My mom had a low wage job. My Dad was employed by XXXX XXXX XXXX in California where he had high XXXX My dad had to retired from XXXX XXXX XXXX with a XXXX XXXX on XX/XX/XXXX. 
I can not succeed in life without excellent credit.
Consumer complaint received 2018-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

Nelnet and XXXX XXXX took {$1200.00} out of my XXXX check in XX/XX/XXXX after I have been totally and permanently  XXXX since XX/XX/XXXX- XX/XX/XXXX and had my loans dischared by physician forms, etc. I have been faxing with my caseworkers for 6months to try to resolve this. I live in a XXXX XXXX and this is very hard on me physical and mental. On form XXXX XXXX XXXX it says all loans were discharged. Ss has supplied lots of forms including XXXX that I have never been assigned a review, but either they ignore me and send en ryted emails i cant open.
Consumer complaint received 2017-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I received an email by US bank on XX/XX/XXXX that if I open a checking account and set up direct deposit by XX/XX/XXXX, I 'll get {$200.00} bonus. I completed all the required conditions. However I still have n't received the {$200.00} bonus. I tried to contact US bank multiple times in the last 4 months but still no reply.
Consumer complaint received 2017-12-04
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: SUNTRUST BANKS, INC. (TX)

I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.
Consumer complaint received 2017-12-04
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (VA)

I had XXXX I 'm not sure when I contracted but when I did the installer had to enter my home through the attic. The room where the attic is located in a room I rarely enter so I did n't notice that the installer damaged my property until later. I notified XXXX on a call to them while addressing another issue be it there poor service which went out quite often or an occasion where a representative was very rude to me and refused to transfer and I had to escalate the call. At any rate, I ended up canceling the service when they renigged on offering a payment plan and then said they did n't and it was just one thing after the next. They threatened to take funds out of my account which I did n't have and said that is what I agreed and then refused to send me the contract. When I mentioned the damage they then sent me on a wild goose chase to file a claim for which the company has no affiliation with them. Some of the interactions were just simply unprofessional and not very helpful. When I finally received a call from a collection company I informed them of the damage and advised that I was disputing the amount which is {$100.00} and asked if I needed to place the information in writing the representative stated no. I did n't receive any additional calls from them. It 's the New Year so I wanted to take a gander at my XXXX and low and behold who has placed a Collections on my file. I am still in dispute with this and feel that they should have investigated this claim that their employee damaged my property. Then they damage my credit this is unfair treatment but this is how they have been treating me since I 've made my claim. Please investigate XXXX and the Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. You attention is greatly appreciated.
Consumer complaint received 2018-01-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I phoned XXXX XXXX ( XXXX ) XXXX on X/X/17 to pay off an outstanding medical bill of {$1100.00}. The person onn the phone said there was an additional {$740.00} in interest that they added to the bill. The person I spoke with used harassing language, yelled at me and said they would not allow me to pay the bill and terminated the call.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I didn't get notification regarding the disputes I sent for the following accounts I listed. It has been several months since I'm disputing these accounts : XXXX XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX
Consumer complaint received 2018-01-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (CA)

On about the XX/XX/XXXX ( morning ) I called XXXX XXXX and asked for a {$3000.00} loan to pay a couple credit cards off. In the afternoon they called back and said my loan was approved. When I get there their associate has a check for {$4000.00} and I told him I had asked for {$3000.00}. He said " do n't worry about it, bring it back if you do n't need the extra XXXX ''. Quite enticing. When we began the loan procedure he marked my loan application with a higher yield for instance : my car was worth {$2000.00} ( XXXX XXXX XXXX ) with a couple dents on it, said I owned 2 flat hd screen TV 's ( I do n't ), put down I had a computer and a lap top ( I do n't ), he never received the pink slip to my car before he gave me the loan, ( he just seemed to be in a hurry to get my loan approved with or without a pink slip ) never once mentioned the interest on the loan and put a lien on my car before the first payment was due so I could n't even get my tags. I 've email their headquarters in Georgia and never once got a reply. I sent letters to the manager in XXXX, California and never got a reply. I received a letter ( it took almost to two months ) from the manager of L.F. in XXXX yesterday asking me to come in because I have n't send them a payment. I just feel this associate took advantage because my credit rating is getting better and it 's taking me a while to accomplish that and now this person is going to XXXX it up as it were. I 've never done this ( good experience ) before probably because I do n't like doing this to people but I also do n't like being taking advantage off. I 'm XXXX years old, I 'm a Veteran, and live alone please consider my complaint it would be highly appreciated. XXXX XXXX.
Consumer complaint received 2017-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pan Am Collections, Inc. (FL)

On a number of dates I 've informed this company I do not have a debt with them and to stop bothering me at work. One more time today, XXXX XXXX, 2017, they called me at work and left a collection message on a company voicemail. This needs to stop immediately. 

XXXX XXXX
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MA)

Same-day wire transfers successfully sent from XXXX checking account to Coinbase/GDAX ~XXXX according to BofA confirmation e-mail. Opened support ticket XXXX ; still have received no response nor account balance.
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Transfinancial Companies, Inc (LA)

I do not recognize this account, and have submitted over and over for proof that I indeed consented to this account. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.
Consumer complaint received 2022-08-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Issue with Inifiniti Financial forcing me to return my lease to XXXX dealership instead of being able to sell to a 3rd party during 2021. Their dealerships were then providing outrageous buyout options which only left me to return the car to them. They magically changed their policy without notifying me. At this point I spoke with them to dispute the lease termination charge since they were effectively creating a monopolistic profit center for themselves through the policy change. I do not feel I should be paying a lease termination fee and told them so. Today, I see they reported an outstanding balance for this fee on my credit report and it has been increasing each month ( do to unknown reason ) despite them not sending me any information on the balance. How is this legal?
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Comerica (MD)

on Saturday, XXXX XXXX, 2017, I visited a XXXX XXXX ATM machine in XXXX Maryland, where the funds did not disperse from the ATM. I 've called over 10 times to XXXX XXXX for assistance with submitting a claim. the company has hung up on me all 10 times. I went to the nearest XXXX XXXX bank to submit a claim, and was turned away as the claim has to initiate from the XXXX XXXX. these are government issued, protected funds and this company is not helping me recover what was taken from the atm machine