davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A. (TX)

On XX/XX/2018 I received a voicemail from XXXX XXXX saying he is calling from law firm of Weltman , Weinberg & Reis Co., LPA & that there is a pending lawsuit waiting. I called back to discuss what the lawsuit is about. He told me that my previous company sent my account to them to get the remaining balance on my pre-employment bonus. He told me to work out a payment otherwise theyll be going to court to get a judgement & garnish my wages & that payment would be bigger if approved by court. I discussed a payment plan with him. He said he would get back to me. He called me back on Monday XX/XX/2018 & left a voicemail about the payment plan. I was working that day & could not get back to him. I also received a letter in the mail from them dated XX/XX/2018 from attorney XXXX XXXX XXXX saying Ive 14 days from the date of the letter to respond. When I got to my apartment I did some research & found several complaints about this company & a lawsuit about falysfying information so I wanted to contact my previous company to make sure this is a legit company & theyre also dealing with them. I left a voicemail with my previous company on Tuesday & did not hear back from them. I called my previous company back again on Wednesday & was able to talk to person in charge of accounts & she told me that theyre dealing with this company & I should further talk with them to resolve the issue. Today on XX/XX/2018 XXXX XXXX called & I was unavailable & could not answer my phone. On the voicemail he was threatening to call my current employer. I called him back later on that day & told him why I hadnt called back & to stop threatening me.
Consumer complaint received 2018-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Porsche Financial Services, Inc. (TX)

I went to Porsche in XX/XX/2018 to by a XXXX. I ended up leaving with a XXXX XXXX, called two hours later and said I made mistake and could I return the car. I led to believe that with in hours on a weekend that the payoff on my car was already done and the title was in my name. There was no way this could had happen. Porsche waiting 3 days exactly to decide to cancel the deal on the XXXX and get me into the XXXX, which wasn't the case. Instead they treated it as trade in, gave me less for the car. Then hid the negative equity in another vehicle. I was told I could refinance through Porsche Financial Services, for lower interest rate to lower my payment. This also was not true. It was not disclosed I was trading in the XXXX.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXX XXXX  XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number XXXX  XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX XXXX XXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these XXXX items off all 3 bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card 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: Radius Global Solutions LLC (TX)

After my last communication with radius / XXXX, or whatever name they are using at this time, they called the XXXX police and said I had threatened them through CFPB and that is not true. I said their tactics might kill me, and that may be true if they take my XXXX  income and pension income, as I could not support myself without it. What are they trying to prove? I know they are massively powerful already. I suppose I am lucky that I was not arrested. What comes next? How will they threaten me next? I am terrified now. This debt was from my late husband, who took other credit card debt, of his, and dumped it on this card without my knowledge or consent. He ran up debt on my XXXX card buying expensive clothes, and then dumped that debt on this card, I told this to XXXX in numerous letters to them and their collectors over a 3 year period. He killed himself in XX/XX/2015, and his problems are over. What more do they want? He stole my life savings of over 300K. I do not think it is appropriate to call the police to my door because I owe them money.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — Store credit 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 (CA)

On XX/XX/XXXX I raised a dispute regarding the transaction of {$1000.00} and this was regarding a bed I purchased from XXXX XXXX  store in XXXX on XX/XX/XXXX, I did try to contact the store severa times but they are not wiling to replace the bed or give me a credit regarding this transaction. The Bed is filled with Bugs and is not usable. 

When I raised the dispute I was told that I the dispute will be resolved in 10 business days, and its been more than 10 business days and the dispute is not resolved yet.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 
XXXX  Account XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2018-07-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (OH)

American Educational Services is now telling me that I can't lower my payments for this Private Loan. It is saying I'm not eligible to do so. I have been calling over and over since XX/XX/XXXX. I can't get hardship, forbearance I can't get anything. The problem with this one they are saying this payment is the lowest of XXXX. I have only paid XXXX in XX/XX/XXXX and XX/XX/XXXX on this loan. There is no other way with my husband on XXXX and I only work for XXXX per hour it's not going to work and still be able to eat. 

The problem is with calls all the time from XXXX XXXX  who is the lender, they are the worse in harassment to me and my mom who is XXXX years old and now I don't have that career job I was promised 10 years ago. I went back to school after loosing my business in XX/XX/XXXX and thought for sure I would get a good job by now, it's not happening. Not in our area. With the subprime housing market in XX/XX/XXXX and XXXX going out in our area it's forced alot of us baby boomers back to college trying to get a good job, but no jobs however we are still facing another hardship with college debt. 

XXXX XXXX keeps threatening to ruin my credit, my mother 's credit and they also say they will garnish my wages and my mom 's Social Security. I just can't believe they don't work with me on this. They call over and over again, writing letters and now I only have about 10 days they say before this all starts. Please please help!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

concern, After reviewing my credit reports I noticed that you are Reporting un accuracy information on my credit reports ( XXXX XXXX XXXX XXXX + XXXX ) This account is reporting different information on all 3 credit bureaus. On This account the ( condition ) Shows different information The ( original balance ) Show Different balance on all 3 bureaus.

( Open dates & Reported dates ) are all incorrect.

Plus payment status is Showing different on all 3 bureaus Also
Consumer complaint received 2018-04-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Despite me repeatedly telling XXXX XXXX AND RUSHMORE that I do not live at XXXX XXXX XXXX XXXX NY but I do have an interest in the home and I am responsible for the mortgage giving them ALL proof that I have not lived there since XX/XX/2003 That I remarried and that is where my ex wife and children live they continue to proceed with an illegal foreclosure by giving me ABSOLUTELY NO NOTIFICATION of what was transpiring NO NOTIFICATION OF COURT DATES NO NOTIFICATION OF OPTIONS AVAILABLE XXXX XXXX XXXX XXXX even has other addresses where i lived in their files yet in order to move forward and illegally foreclose they keep sending everything to the XXXX address Even after I did find out about the foreclosure and told them in COURT MY ADDRESS HAS NOT BEEN XXXX XXXX they ALL CONTINUE TO SEND ME NO INFORMATION EVERYTHING STILL GOES TO XXXX XXXX XXXX XXXX NY The banks Attorney committed fraud upon the court by affirming that they served me The servicer and bank committed fraud upon the court stating they have the note when the banks other Attorney clearly states they do not have the note. I have repeatedly requested what was paid what is owed I get NOTHING yet they want to foreclose they told me on the phone you had 6 years to fix this you havent I could not fix a problem I WAS UNAWARE EXISTED
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX I will start off by stating the facts and what happened, my son went to purchase a truck, the truck he already had was in my name since I had worked on my credit and gotten it up to a descent score. My son however and I thought he was listed on that truck because he was making all the payments so we thought he was building he credit to, but he was n't, anyway he went to XXXX XXXX  XXXX and they talked him into buying a truck and trading that one in, since it was in my name they needed me to sign off on it which I had no problem. Then I was told that I needed to be a Co-signer on the new truck and my credit was already ran and they had all the paperwork on hand they only used one bank which was XXXX and I said okay I have no problem, only to see my credit report after I sent a picture of my ID through my phone with over seventeen banks ran my credit in one day '' '' I was Floored '' I talked with the manager there and was told that it was a new salesperson that did n't know what he was doing and he was trying to get me the best rate, I told him I had already spoken to someone that told me that all that was already handled and all I needed to do was send my driver license and they could have my son bring the papers down everything was taken care of and my credit was only ran once through one bank XXXX. This was a bunch of XXXX  because I was notified that it was ran seventeen times in one XXXX day bringing my score down after I worked so hard paying my bills on time and to have all my hard work crunched in a matter of minutes I just do n't see how they can get away with this.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I have previously disputed this item with you ( XXXX XXXX XXXX XXXX XXXX /Reference # XXXX ) and in response you have verified this item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. ''
Consumer complaint received 2021-05-24
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: Velocity Portfolio Group (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc. (OR)

The original debt was a medical deb I was insured by my father and was 18-19 years old and my father was paying my bills.The original amount was {$830.00} in XXXX. XXXX was called many times and they said they would pay the bill but never did. 

Ray Klein Inc. dba XXXX XXXX XXXX held the debt to accumulate interest, then got a judgment in XXXX. I was never notified of any action taken against me for this bill. In addition, I was under age so this claim could not be filed against me. 

These debt companies are not only engaging in illegal activities and unethical conduct.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Although they purport to be an online bank, Capital One is notoriously difficult to deal with. I spent hours online trying to verify my ID. After calling several times, and failing to use their terrible Web page which glitches constantly, I was cut off without a call back. 
When my brother opened his account, he too spent hours trying to verify his ID, having to inform the agents of the fact that he canon fact use his passport, something they were unaware of and needed to put him through to their manager to check!

Overall this is a company with terrible customer service, and an obvious lack of staff training.
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McNeil & Meyers Asset Management Group, LLC (VA)

I have sent debt validation letter XX/XX/2018 on to this alleged debt. The collection agency have failed to respond to alleged debt. They also sent return receipt back on XX/XX/2018 and still no responds.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA (TX)

On XX/XX/XXXX I became Aware of a problem pertaining a student loan that I havent ever applied for and I contacted the school which is Mohela on serval occasions was advised to by a supervisor to ask school to cancel the Promissory note which was never done I reported this to the FTC and I have been sending in documents with My signatures as well as talking with a supervisor name XXXX XXXX on XX/XX/XXXX recent documents that was asked of me and then was ask for the report that I made to the FTC and receive a notice of denial this isnt my loan Ive never been in California nor am I aware of this issue which has been a hardship on my life XXXX XXXX and have been since XXXX I had a XXXX a XXXX XXXX XXXX XXXX I would really appreciate if this would be taken off of my credit in the name of XXXX. Please help me trying to do something for my family and this is truly in my way I believe now whoever took out this student loan the school knows the person XXXX is the school I believe financed through Mohela in the amounts of & XXXX, XXXX and {$2.00}, XXXX which is truly Affecting my credit in the name of XXXX please help me remove these items off of my credit
Consumer complaint received 2018-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (GA)

Suntrust Bank I opened my account in XX/XX/2018 and did not consent to Overdraft coverage. Bank automatically enrolled me even though I did not mail in a signed overdraft coverage consent letter.

They charged me 6 overdraft fees of XXXX $ charge each on XX/XX/XXXX. I called the customer service to request a refund and told them what they did is ILLEGAL. They told I have to call the manager and ask them to prove I don't have a signed document. They refunded me 2 fees for courtesy when this was a bank error in the first place. During this process, they treated me poorly because my account was overdrawn and made me chase them all day to resolve the issue. They did nothing on their end to fix the issue and reach out to the bank manager. 
Then I called the manager and managed to get refund for 4 remaining overdraft fees. 

A month later, Suntrust charged me 8 overdraft fees between dates XX/XX/XXXX and XX/XX/XXXX. I was charged 3 duplicate overdraft fees and 1 extended overdraft fee for XXXX transactions which were supposed to be declined in the first place. I want these fees to be refunded but the bank says they can't help because I already received refund for 6 overdraft  fees a month ago. I told them those fees were bank error and not courtesy refunds. 

I was told if my bank account has no money, transaction would simply be declined. Only bill pay and paper checks can overdraft balance. 

I have {$280.00} overdraft charge in my account currently. Please help.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX is not showing correct information on credit reports. The have a Charge Off showing on my 3 major credit file. They have fail to provide that I was 180 days late to put a Charge Off on my credit reports. The reporting is inaccurate information that needs to be removed. The account was paid in full. The 3 major Credit Bureaus needs to follow the law and not do what they want to do! People are loosing faith in this system!
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX credit agency are reporting negative account XXXX with a balance of {$10000.00} on my credit profile which is fraudulently ruining my way of living. XXXX also stated that they would not furnish child support to credit profiles because there is no line of credit or a credit transaction nor a loan. if you guys can not provide me with a contract with my signature to be liable with any child support debt please delete the account immediately off the credit report.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have some inquiries I didn't recognize 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