davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC (CA)

Back in XX/XX/XXXX, I contacted Wilshire consumer credit at the end of the business day to request, heavily request, a few more days before they send a tow truck to repo my truck, which the lady on the phone agreed to give me a day to call them back with an update as to whether or not I can come up with a payment. However, the very next morning at around XXXX XXXX they repoed my truck. I also had borrowed money With interest from someone to make the payment. But, in addition to this now useless loan, I lost my contract with my customer, as I am a XXXX XXXX. And because I didnt have my truck, I couldnt pick up materials and get the work started, this resulted in the loss of a {$6800.00} deposit, which further resulted and not being able to pay the rent, as I am the sole income provider for a family of XXXX in the XXXX XXXX XXXX Area. The total contract price I lost out on because theyve got my truck is {$18000.00}. All in all, because of the repossession, it cost me over {$20000.00} in income and fees, just so they can repossess a XXXX Work truck. I had also very recently prior to this, concluded a massive bankruptcy.
Consumer complaint received 2020-08-13
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. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY all not mine filed to ftc XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms 1 Months On Record XX/XX/XXXXPayment History potentially negative icon Potentially Negative StatusCollection account. {$1500.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1500.00} Date XXXX Dispute Revolving Accountsshow tooltip button XX/XX/XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$440.00} Date XXXX Dispute XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance- Date XXXX Dispute Installment Loansshow tooltip button XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$940.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$24000.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. 
Account TypeCell Phone Balance- Date XXXX Dispute
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (TX)

On XXXX XXXX I realized that my debit card with Netspend had been hacked and XXXX  XXXXwas withdrawn from my account. It looked like the hackers were using my card at different stores getting cash back or using ATMs but the only problem was my card was on my possession and I had not been to any of these stores. I immediately contacted Netspend and they advised me I would need to send an email to their fraud department with a list of the unauthorized transactions and someone would get back with me in 10 days. Well today XX/XX/2022 is the tenth day, I did not receive anything back from Netspend so I called them and was told by a representative that no error was found and the dispute was closed. The representative said they had not reached out to me because they had 10 more days to let me know of the decision. I stayed on the phone for over an hour with two different representatives to only be told there was nothing they could do, that they could not tell me how the money was taken or what they found in the investigation nor was I provided with their corporate offices number so that I could file a complaint or get more information. This is the worst experience I have ever had with a bank, I am out of {$710.00} with rent due in the next few days. What can I do to have the bank investigate this issue more deeply because I work too hard for my money and it not even be protected.
Consumer complaint received 2022-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (IL)

This is an additional a new issue with Mariner Finance! I already filed one complaint about them not working with me after I had to have emergency XXXX XXXX costing me {$5000.00} in XX/XX/XXXX and so had to give them a promise to pay as they immediately sent me a letter threatening to sue me a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has never been late before and living on XXXX modest income!!! 

Today after my car payment and {$650.00} payment on my surgery came out I did not have enough left to pay the {$800.00} I had told them I would try to pay, so I went online to try to set up a payment for my next payday XX/XX/XXXX and it would not allow me to set it up and told me to call the office if I could not pay the full {$1200.00} that is behind today so not even allowing me to pay the {$800.00} they lied to you and said they would accept on my last complaint!!! 

I then called the XXXX IL office and the call went directly to voicemail do I left a message telling them all and asked them to return my call. No one called back and the last time I left a message in XX/XX/XXXX on the voicemail they denied receiving it. I then called again a few hours later and talked to the manager and she claimed there was nothing she could do and that that was a 15 day notice that they sent me before and I know this right? So basically after asking her if they could wait until I get my W2 from the State of IL and file my taxes or until my next check that I can use mid XXXX all she did was threaten to sue me and bully me and claim to add note to account!!! I am tired of them bullying and harassing me and not allowing me to pay later and work with me!!! Please contact them and enforce the laws!!
Consumer complaint received 2022-01-25
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. (GA)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've sent Letter last XXXX It's almost 60 days now and doesn't have a response yet. I am a victim of Identity Theft and someone used accounts or personal information without my permission. I was so stressed. I already contacted credit bureaus and furnishers. I need help with this issued.!
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Asset Acceptance hired attorney XXXX who filed judgment against me XX/XX/XXXX on a debt that is not mine. They just recently levied my XXXX XXXX XXXX account in ths amount of {$860.00} I contacted Attorneys office and they advised me to file police report of id theft and that this alleged debt is not mine. I filed police report along with FTC complaint and submitted all documentation to attorneys office by certified mail USPS tracking # XXXX XX/XX/XXXX They advised me they would speak to there client and get clarification of the debt. I have called there office every week and they claim that it is still being investigated and that there client has not responded to them with definite answer on validation of this debt. I have asked for my money back from bank levy and to this day they have no answer for me or cant even tell me where this debt came from. Please get me my money back this is not my debt.
Consumer complaint received 2016-04-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Community Health Investment Company, LLC. (FL)

Professional Account Services keeps calling me and will not even tell me why. I know they are a debt collector for medical bills. I do not have any medical bills. They call and have asked for my social security number to identify myself, even though they called me! When I refuse, they then ask for my birthdate - which I wont give them either since I wo n't give any personal information to a stranger on the phone who wo n't say why they are calling. I 've asked them to send something in the mail and I will respond if it is legitimate, maybe a doctor I 've seen. But after a month of my requesting this, they do not send anything stating if I even have a debt. This company has the power to ruin my credit if they are really trying to collect a debt ( there is n't XXXX ), or even if it is a mistake. This seems a wholly illegal way to handle this. they call from XXXX.
Consumer complaint received 2020-04-17
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. (NV)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-01-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (AR)

I purchased a car through Santander Bank and the car was refinanced through XXXX and paid it off early 2 years early. But this is still being reported on my credit report. I have requested that it be removed multiple times but it has n't it. 
I was no longer under the agreement as I paid XXXX of XXXX XXXX. 
I would like assistance with getting this removed off my XXXX credit reports. This has been pai paid off for 7 years ago.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.
Consumer complaint received 2022-01-25
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. (WA)

I'm trying to apply for a Mortgage/Home loan. While my lenders perform credit check, they come back stating that the credit history doesn't exists and few come back stating FICO doesn't exists. Request you to help me in adding my credit history/FICO score.
Consumer complaint received 2022-08-04
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. (MO)

I sent a letter to the Credit reporting Agencies on XX/XX/XXXX with complete attachments of my Personal Information and ID THEFT REPORT to remove the fraudulent information reporting on my Credt File that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$1000.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-08-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

This complaints regards to a undelivered account opening bonus promised and confirmed by citibank. On XXXX 2016, I opened a new Citi gold interest checking account with an opening bonus to receive XXXX AAdvantage miles when certain requirements are met. When I got my card, I contacted the customer service to confirm the offer. Also after I met all the terms of the promotion, I called again and the customer service representative told me that I should receive my bonus within three months. Now the three months passed by and I have n't received the bonus. I contacted citi again and now they said I am not eligible for the offer. Even though all the previous calls I made, they said I had the offer, met the requirements and would get the bonus. The citi representative today refused to open a case, investigate the issue or provide a solution. I think this situation has be very troubling, deceiving and unethical on the part of citibank.
Consumer complaint received 2022-11-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (NJ)

THIS IS MY FINAL ATTEMPT TO SETTLE THIS WITH WELLS FARGO VIA CFPB. 

Regarding complaint # XXXX on XX/XX/2022 & Regarding complaint # XXXX on XX/XX/2022. 

I submitted an affidavit which I will re-attach and showed proof of my consumer rights being violated in the transaction, XXXX XXXX  from WELLS FARGO responds back with a contract was signed which was on my 1st exhibit. We are all aware agreement was signed. HOWEVER That does not give WELLS FARGO, OR XXXX  XXXX, XXXX ANY REASON TO DISOBEY THE LAW & VIOLATE MY CONSUMER RGIHTS I'VE STILL HAVE NOT GOTTEN ANY RESPONSE regarding : EXHIBIT XXXX : XXXX swears that WELLS FARGO XXXX XXXX XXXX XXXX XXXX are Violation of 12 CFR 1026.4 & 15 USC Section 1605 ( DETERMINATION OF FINANCE CHARGE MY FINANCE CHARGE WAS SUPPOSE TO BE THE SUM OF ALL CHARGES WHICH WAS NOT THE CASE. ( fees, service fees, loan fees, insurance premiums was suppose to apart of my finance charge and it was not ) EXHIBIT 7 - why I NEVER FULLY my material account opening disclosure in accordance to 15 USC 1602v & which is a violation EXHIBIT 9 : XXXX swears that WELLS FARGO XXXX XXXX XXXX XXXX XXXX are in Violation of REG V & FCRA - Fair Credit Reporting Actin reference to exhibit 5 - I was never offered the choose to opt out of sharing or reporting of my private information as the consumer as the right to privacy EXHIBIT 10 : XXXX swears that WELLS FARGO XXXX XXXX XXXX XXXX XXXX are in Violation of - XXXX5 U.S. Code 1662 - Advertising of down payments and installments. {$5000.00} of a downpayment was taken as XXXX XXXX of XXXX XXXX Wells Fargo said they needed skin in the game which is a violation EXHBIT 13 : XXXX  will be exercising their rights according to REG Z, & 1026.23 Right to Recession & Title 15 U.S. Code 1635 ( a ) & Title 15 U.S. Code 1635 ( f ) NONE OF THESE WERE ADDRESSED BECAUSE IT WAS ALL VIOLATED BY XXXX  XXXX XXXX XXXX  XXXX XXXX WELLS FARGO ALSO I AS THE CONSUMER HAVE THE RIGHT TO RESCIND A TRANSACTION BEING WELLS FARGO VIOLATED MY CONSUMER RIGHTS UNDER REGULATION Z, 1026.23 Right to Recession & 15 U.SC 1635, IVE NEVER WAIVED MY RIGHT TO RESCIND NOR WERE 2 COPIES OF MY RIGHT TO RESCIND EVER SENT TO ME. 

I'VE RE ATTACHED MY INVOICE FOR WELLS FARGO TO PAY FOR VIOLATING MY CONSUMER RIGHTS WELLS FARGO NEEDS TO RESPOND AND PAY INVOICE ACCORDINGLY
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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, in fact exists.
Consumer complaint received 2020-01-04
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. (TX)

On XX/XX/XXXX, I created a free account with XXXX  and checked my credit report for the first time. I was unable to get a credit score because my credit report has no accounts as I have never applied for credit. However, there were some addresses that were on my credit report that I have never lived there. And there were 5 collections account present in my report from companies I have never received services from or permitted anyone to use my name. I was informed by XXXX XXXX police department that these accounts are fraudulent and i was given resources to report this. I filed a police report and some other reports to protect my identity. Here are the fraudulent Collections information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX AT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX AT XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX   AT XXXX XXXX XX/XX/XXXX Here are the fraudulent addresses : XXXX XXXX XXXX XXXX , XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , TX XXXX
Consumer complaint received 2022-01-25
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: EQUIFAX, INC. (AL)

I sent a identity theft report twice to XXXX, Equifax, and XXXX and these fraudulent accounts and inquiries are still being report, I am a victim of identity theft I demand these unauthorized items be deleted.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (GA)

I signed up for a gym membership and months later cancelled on XX/XX/2015. However, I was still being billed and am still being billed for this membership even today. I cancelled this subscription in person at the gym, and the gym told me it would take only 30 days to take effect. When I called Chase to explain I was still being charged, they acknowledged my calls but never stopped the merchant from frivolously charging my account. Chase has not adequately protected me from this fraud.
Consumer complaint received 2022-11-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Amscot Corporation (FL)

On XX/XX/2022 I visited store XXXX in XXXX Florida to make my final payment. I am in possession of the receipt which shows {$0.00} remaining balance. Approximately a week after making my final payment, I am barraged by phone calls from the local store that I still owe on this payday loan. For months I have asked for an accounting ledger showing debits/payments to substantiate their claim that I still owe them money- Amscot refuses to do so. 

I have a receipt signed by an employee which proves the debt was paid in full - at this point I believe the agent who received the money from me stole the cash from the company and did not apply it to my account. 

Amscot refuses to show any type of paperwork to substantiate their claim that I do in fact still owe them on this debt, despite the fact I have provided them the receipt multiple times via email and in store.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (MD)

Ive received pre-recorded spam calls from Harris and Harris regarding a debt. I have no outstanding debts. The pre-recorded message provides no information. I am afraid to contact them for fear they will escalate harassing attempts to collect some debt I do not owe.
Consumer complaint received 2016-11-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CO)

I sent multiple checks to Santander Consumer USA to pay off my auto loan sooner. To my surprise the checks were applied as regular payments. I called numerous times to resolve the matter, however they never did. I submitted my first complaint against them a couple months ago. Since then I sent in multiple payments again to payoff the car loan sooner. Again, the payments were not applied correctly and Santander collected interest from my payments. This resulted in my due date becoming XXXX/XXXX/2017! I called them once and sent them a written to have the matter resolved and the interest collected applied towards the principal balance. It was never completed. I followed up one last time as the balance of the loan was now low enough to payoff the loan. I was instructed by one of their reps to payoff the loan and the overage from the interest collected would be refunded back to me. I have not seen a dime of a refund from them nor have I been contacted for follow up with them. The last rep I spoke to over a chat told me they could n't do anything since the loan was now paid off. I pushed back and told the rep what I was told before. The rep was able to confirm what I was instructed to do per the notes on the account. However, she told me that management would fix it and send me the refund as the payoff to the loan should have been smaller if the payments were applied correctly. I still to this day have not received any correspondence from them nor the refund.