davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

During this time from XX/XX/XXXX-XX/XX/XXXX, Mohela at some point lended me money to pay forcollege, and when I called them to file for the amount on my loan before it was transferred to XXXX ( i did n't know ), the number went to a different lender and said Mohela at that time did n't have any records of me, and were shut down for fraudulent handling. So I was stuck with the amount, and could n't trace it back. I complained to Ombudsman 3-4 years ago, and they could n't help me, so I felt abandoned and closed my compliant. So if someone can please help me, I would appreciate it.
Consumer complaint received 2020-05-05
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. (FL)

SOMEONE STOLE MY PHOTO ID AND USE MY SOCIAL SECURITY NUMBER AND OPEN SEVERAL ACCOUNT, LEASES, LOANS AND CREDIT CARDS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

Called Debt collection agency on XX/XX/XXXX at XXXX ( Easter Daylight Time ) no one answered and received no call back. The debt  had just been transferred to this " Law Office '' 3 days before hand. I have received no written letter of collections or email or calls. The debt collector has abused the collections notice on my credit twice in the last 30 days for the same debt which has already been reported and noticed in collections 4 additional times. As of XX/XX/2020 I have received 0 communication from this company about collections.
Consumer complaint received 2020-09-18
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: Santander Consumer USA Holdings Inc. (MA)

Good Afternoon and happy Friday! Listen, i was really shocked and extremely surprised today when i refresh my credit report and noticed that my auto loan from Santander continues to report incomplete and unverifiable information for the past year or more. Specifically, i noticed that they are reporting an incorrect, erroneous balance of {$16000.00}, where my correct and legal balance is {$15000.00}. Also, i noticed that they market me late on XXXX and XXXX of 2019 for 30 days, however, i had signed an agreement that those months were deferred and put on the back of the loan and make the terms longer. There are so many incorrect and inconsistencies with the way this auto loan is reporting and it's a violation towards my consumer right and i honestly don't want to waste anyone 's time going back and forth. I would rather either this account made current removing all the late remarks or simply remove this entire tradeline from my credit report.
Consumer complaint received 2023-01-31
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. (TN)

Credit inquiry XXXX Inquiry date XX/XX/2023. Unauthorized ( XXXX XXXX XXXX XXXX XXXX ) The FCRA states all information listed on credit reports should be accurate,
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XX/XX/2022
Consumer complaint received 2021-03-29
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: Experian Information Solutions Inc. (VA)

The bank informed me that XXXX XXXX County reported missed payments for the XXXX and XXXX real estate taxes, I provided the bank with my proof of payments, the bank ignored the proofs and later claimed that it paid XXXX XXXX County again and the county refused to refund the money it paid. The bank then demanded that I must refund the amount that the county refused to return.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America non receptive to my complaint and does not refund my money.

On XX/XX/2018, using the Bank of America website, I made a request to transfer money from XXXX  XXXX to my Bank of America checking account in the amount of {$800.00}. It was for a 1 business day transfer. It's now XX/XX/XXXX and the amount of {$800.00} still has not reflected in my BOA account. The amount of {$800.00} was debited from XXXX on XX/XX/2018. 

I tried contacting Bank of America and spoke to about 15 associates and my problem is still not resolved. My issue was escalated to Bank of America executive customer service. I spoke to XXXX who stated I should receive my {$800.00} back to my XXXX XXXX account today ( XX/XX/2018 ). The money is still not in my account. Everyone just transfers me to another associate or states that the money will reflect in my account within 1 business day. It's been 14 days and no one knows what is going on. The Bank of America confirmation number for the transfer is XXXX. The executive customer number I was given is : ( XXXX ) XXXX. Case # given is XXXX.
Consumer complaint received 2018-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (PA)

On XX/XX/XXXX, ABILITY RECOVERY SERVICES , LLC, with a mailing location of, XXXX XXXX XXXX XXXX, PA XXXX claimed I have a debt with them in the amount of {$710.00} for computer schooling. I sent a certified letter to them requesting the debt be validated. 
That certified mailing came back as deliverable. I disputed the debt with 3 credit reporting agencies and 2 removed the alleged debt as not validated. 
In XX/XX/XXXX, I applied for a loan and the loan officer questioned me about the debt. She called the alleged debt collector and put them on speaker phone. Many questions were asked of them and they had a lot of bad information on me including spelling of my name and and wrong address. 
The alleged collector was argent, ignorant and out right verbally abusing calling me a deadbeat. 
I have no knowledge of this as already know how to fix XXXX and have been working with XXXX since XXXX when was XXXX them in high school.
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX XXXXXXXX XXXX  / XX/XX/2022
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-03-29
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: Experian Information Solutions Inc. (VA)

Hello, I would like to file a complaint against all three credit bureaus. On XX/XX/2021, I completed an inquiry dispute with all 3 credit bureaus, with no responses. On XX/XX/2021 I sent a second letter requesting another investigation after no responses from neither credit bureau. Today, is XX/XX/2021 and I have received no response again. The bureaus are in violation of my rights as a consumer based on the FCRA guidelines
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon review of your inaccurate and invalid response to the Consumer Financial Protection Bureau ( CFPB ), this shall serve as the final submission to the CFPB in an effort to address the aforementioned matter. Failure to rectify this issue will necessitate the initiation of arbitration proceedings against your company for proper resolution.

The original contract, executed face-to-face with the finance manager at XXXX XXXX XXXX, stipulated a term of ( 60 months ), as indicated in the documentation. The contract, which you omitted from your response to the CFPB complaint, is presently in my possession and was revised subsequent to the CFPB 's litigation against XXXX XXXX XXXX. 

It is acknowledged that your business transactions occur through a privately-owned dealership. However, it is imperative to recognize that the dealership operates under your purview, and adherence to the provisions of the Truth in Lending Act is obligatory. Regrettably, the dealership failed to comply with these guidelines, and your attempt to obfuscate their errors via the dispatch of generic correspondence is evident.

Furthermore, despite notifying the representative of the True Lending Act violation and requesting the retrieval of the vehicle, no action was taken until several days later, when I personally contacted the dealership and requested the intervention of a supervisor. Despite informing them that the vehicle was not in use, they insisted on scheduling a pickup, contrary to the stipulations of the True Lending Act. 

On XX/XX/year>, we dispatched documentation directly to your company along with our request. Your response, acknowledging " identity theft, '' is both erroneous and inadequate, as there has been no occurrence of identity theft. Enclosed herewith is the pertinent correspondence for your review. 

I hereby demand that all credit reporting activities concerning this matter be suspended until a resolution is reached either through the CFPB or via direct arbitration, per your preference. 

This communication shall serve as a record for future reference in the event that arbitration proceedings become necessary.
Consumer complaint received 2022-04-05
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. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-03-29
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: EQUIFAX, INC. (VA)

Hello, I would like to file a complaint against all three credit bureaus. On XX/XX/2021, I completed an inquiry dispute with all 3 credit bureaus, with no responses. On XX/XX/2021 I sent a second letter requesting another investigation after no responses from neither credit bureau. Today, is XX/XX/2021 and I have received no response again. The bureaus are in violation of my rights as a consumer based on the FCRA guidelines
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (NC)

I filed disputes with Equifax on XXXX XXXX,2017. They sent me emails that confirmations XXXX and XXXX were ready for me to retrieve them on X/XX/2017 and X/XX/2017. However, every time I go to their website to retrieve the results I am not able to access them because their website has been down for weeks now. I 've even called them a few times about this and every time I call they say the some thing. They say they are doing maintenance on the website and it should be back up within 48 hours. They 've been telling me that now for weeks. As of this morning it is still down.
Consumer complaint received 2020-10-21
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 complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are  items I wish to dispute on my credit report : XXXX XXXX   XXXX, XXXX   XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX. XXXX XXXX  XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F&M Capital LLC (NC)

A company called FM Capital and a XXXX XXXX called me saying I had a bad check written out of state under my name and social, which I do not. She threatened legal action and said she had not heard from me after repeated attempts. I've never heard from this person before and I have definitely not received any notices in the mail about a collections item. She called from XXXX. Worse, this person left the same message with third-parties, including relatives. This made me look horrible. I also know this to be illegal. They asked me to call her back at XXXX. She also said she was representing someone named " XXXX XXXX. '' I don't even know a XXXX XXXX.
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Consumer Portfolio Services, Inc. (CA)

Good morning, Im writing this to bring light and hopefully some financial relief from what I believe is a companys gross incompetence or at worst a scam to take advantage of their customers.

The business in questio

n CPS ( Consumer Portfolio Services ). Let me give you the details. In 2015 I was unemployed and stayed in contact with CPS during that time. They seemed to be willing to work with me until I received new employment. I signed a Loan extension agreement pushing my missed payment to the back of the loan. 

In XX/XX/2015 I was hired. I sent a copy of my offer letter to CPS to let them know payment would soon restart. They asked me to send two payments to show good faith and to catch up with some of the back payments.

I sent 1 payment of {$500.00} on XX/XX/2015via their website using XXXX ( see attached ) I sent a 2nd payment of {$500.00} 2 weeks later on XX/XX/2015 via their website ( see attached ) Here is where things went crazy. 

In XX/XX/2015 my car was burglarized, some homeless people broke the back window along with other vehicles in the parking lot that night and stole my laptop bag that contained the laptop issued to me from my new employer.

I was asked to file a police report by my employer. While at the police station filing the report the car was towed away. Now I had just spent 90 mins with a police officer filing the report ; he mentioned nothing to me about there being any issues with my car that would have it towed.

My next thought was maybe there was some confusion at CPS maybe the department that handles repossessions was notified and should not have been. When I reached out to the tow company they told me that CPS had already picked up the car.

I reached out to the person Id been working with at CPS on XX/XX/XXXX XXXX XXXX a

sking what was going on and why they had the car. I was told to call and number and speak to a woman about the car. I
called the number and was told that I could have the car back for {$1800.00}. I told the women that day I dont have {$1800.00} It was at this point I assumed that CPS wanted the car back and that it was being repossessed even though I had done what they asked me to do.

2 years later CPS comes back to sue me saying that I stop making payments. At the time I had no proof to tell this story. It wasnt until I went back through all my emails and found my last payment receipts that prove that I was making payments before they repossessed that car.
Today they are garnishing my check for {$600.00} per month for a car they say I owe XXXX. 

Im not sure what anyone can do, but please help me. I really do believe that they are predatory and would do anything to get over on the consumer.
Consumer complaint received 2021-03-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TX)

I have been sending request for debt validation with no luck. They keep sending the same information that is connected to the original loan. I found out from an attorney that they filed a lawsuit against me to collect a debt and never notified me. They have my address.
Consumer complaint received 2020-06-02
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020