davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
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. (PA)

XXXX XXXX  is reporting I owe {$4100.00} on my report I have sent serval affidavits but no response and should be removed because its not permissible its on all the credit reporting agency and its stopping me from buying a home for my family. And by law 42 U.S.C 666 Reporting arrears to credit Bureaus 15 US Code 1681 e compliance Procedures 15 US Code 1681 i Procedure is case of Disputed Accuracy
Consumer complaint received 2019-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I built a pole barn on my property that wasnt there when the loan was procured. I lost the pole barn to a fire the mortgage company claims that anything built on the property belongs to the mortgage and they required to be on the insurance check I requested to see where that was written in my mortgage but they refused to provided me with documentation ... After fighting with them for a I mailed them the check XXXX XX/XX/2019 requesting to be except to have a contractor rebuild my barn since it was paid for previously out of my pocket and state of IL does not require contractors to be licensed They refused to allow me to be exempt. I resubmitted the request a semiconductor time and was approved for little over half of the insurance check XXXX. The approval was in XXXX XXXX 2019. I was told 3 to 5 days I would get my money. On the XXXX I called and they told its is 5 to 7 days to receive the money On XXXX I called and I was told no its 10 days and the XXXX was the tenth day. On the XXXX they called and said the funds were being release and I requested the check would be sent over night and they agreee on the XXXX I called and they couldnt tell me why the check wasnt sent yet and I just had to wait. As of XXXX XXXX they still will not release me my funds and can not give me a reasonable explanation I have had to delay shipments of rebuilding supplies away twice now and all my personnel item that should be stored in the barn is sitting out side in the weather. NEW UPDATE CAUSE FIRST TRY DID NOT RESOLVE THE ISSUE -- - In XXXX I had a inspection and my mortgage company said I was only 18 % complete THIS IS A POLE BARN NOT A HOUSE I fought with them trying to explain to them that this is a pole barn and only thing left to complete a POLE BARN was place metal on it. A 100 % Complete Pole Barn Does not require a bathroom a kitchen a electrical panel -- -- A pole barn is a build that is used to store equipment in like mowers campers tractor etc. etc. -- -- After fighting with the mortgage company again I was lucky enough to be allowed more funds -- - I AM NOW 100 % complete and still fighting to receive the remaining {$10000.00} of my money -- -- The mortgage company keeps playing games and saying they haven't received an inspection that that wanted that they requested that they required. GIVE ME MY XXXX MONEY and quit holding me hostage by continuing to give me lame XXXX excuses that someone else holing it up -- -- I am complete so give me my money
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (PA)

I have had numerous cards ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX of XXXX, XXXX XXXX, XXXX, XXXX XXXX, Victoria 's SecreXXXX, Zales, Ann Taylor, XXXX XXXX, XXXX XXXX XXXX, and XXXX, with Comenity Bank over the years. 

Their customer service is absolutely horrible. They are rude and do not answer your questions. They lie and tell you something has been done, when it is apparent it has not. 

They have cancelled many of my credit cards and lowered my balance without notifying me prior to doing so. 
I paid a few days late on my one card and they suspended the card until the next billing cycle which was 7 weeks later. 

I took the account assure to help if I was ever out of work, and was charged monthly for the service ( Not cheap ), which raised the balance owed on my credit card, so my card was maxed out and I wasn't even using it ( but because I had a balance I was charged ). When I called to use it, they gave me a hard time and I would have to send documents several times before they would start crediting my account ( always would claim they never received it ). When I called to cancel the service they would give me a hard time. 

They used to allow you to schedule monthly payments so that your account was automatically paid, they took that away without notification.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I applied and received an auto loan through Td Bank/Td Auto Finance LLC on XXXX XXXX 2019. The purchasing dealer was XXXX in XXXX florida. I maintained/maintain a perfect payment history, never late, and always fully insured. On XX/XX/XXXX, 5 days after accepting another on time payment, Td auto finance deciding to charge off account and report to my credit to all 3 bureaus. No correspondence by email or letters, no calls no nothing. I only found out because I monitor my credit so closely. So I immediately contacted the loan dept, and they cant answer any of my questions, they transfer to me to their collection dept, where they are completely rude and refuse to correct any of the info. They claim they sent out 1 letter in XXXX by XXXX, but cant supply the tracking number.Now they have sent a letter demanding me give them Authorization to contact the Social security administration, but they word the letter as if its my request.the letter goes as follows- " We're committed to keeping you informed and responding to your banking needs. Today, we're writing to send you a Social Security Administration Form. Please complete this form and return it to TD Auto Finance LLC ATTN : operational Fraud management XXXX XXXX XXXX. XXXX XXXX, MI XXXX. Please respond to this request within the next 10 business days, or we will close YOUR request ''. I Never requested anything. The Letter is coming from a XXXX XXXX from a completely different address which is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. My credit is being negatively affected by an account that still is accepting payments on time, and had no legitimate reason to charge off an account in perfect standing. I was never notified of any issue, nor was i notified before the company reported to my credit as per the fair credit reporting act. The company is now reporting as a delinquent account. It hasn't been late or delinquent till this day. By Law i am not obligated to authorize anyone or any entity to access the SSA on my behalf. Even if i were too, the company has already charged off my account as a bad debt. XXXX even says " charge-off/Never LATE ''. XXXX XXXX at Td auto Finance refused to be recorded when I asked if i could. she disconnected the phone call. they would not speak to me any longer in fear that i would record the conversation. When i stated i will not record she said i do not believe you and hung up. After this conversation they then reported it as a delinquent account the very next day and then proceeded to send a fair credit reporting act letter stating that they must disclose that they will be reporting to my credit before doing so.I received this letter 17 days after they had already charged off account and reported to my credit. I Need Help.This can not be legal.
Consumer complaint received 2022-06-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: Pintor Partners, LP (TX)

The company sold my loan to another company and i already paid it off and got my title but the original company still has it as a existing account on my credit report with no payment made in 3 month, i reached out to their customers service but they give me the run around and refuse to help me
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$5200.00} ; XXXX XXXX XXXXXXXX Balance : {$220.00} ; 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 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 2022-06-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc. (TX)

I submitted a detail request from this Collection agency to no avail. I sent a letter via certified US mail with Tracking # XXXX which shows delivered on XX/XX/2022 at XXXX XXXX. There has been no response. In this letter I requested information to help settle this matter all together. And I have yet to get a response for this company.
Consumer complaint received 2022-08-21
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: LEXISNEXIS (MI)

To whom it may concern, I would like to state that LexisNexis is in violation of 15 USC 1681 ( a ) ( 4 ), which states that in relation to accuracy and fairness of credit reporting The congress makes the following findings : ( 4 ) There is a need to ensure that consumers reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. LexisNexis is going out and fishing for negative information about me, it an infringement upon a consumers right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). LexisNexis is also in violation of 15 USC 1681b ( a ) ( 2 ) which states ( A ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. LexisNexis did not have a permissible purpose, nor did they have my written instruction to report a bankruptcy on my behalf the consumer XXXX XXXX XXXX XXXX. LexisNexis, without my written consent furnished negative information about a XXXX XXXX Bankruptcy XXXX # XXXX to XXXX. I never gave XXXX or LexisNexis any written consent to report anything on my consumer report.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX ,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ,XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ,XXXX  XXXX XXXX FL XXXX. these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2022-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

Hi, in resolution of my complaint # XXXX, XXXX agreed with my regulator to count my XX/XX/XXXX payment towards PSLF. However, they have refused to honor that agreement. I have records attached. Also, they have since refused to honor the limited waiver program to count my XXXX and XX/XX/XXXX payments towards PSLF. I've attached proof that those payments should be counted as well. Moreover, they haven't updated my count to include my most recent employer certification. To help you navigate the attachments, I'm attaching some additional XXXX records ( my loans were transferred from XXXX to XXXX at the end of XXXX XXXX ). Of course, my loans have since been transferred to Mohela which does not have adequate phone contact information. Some numbers dont work and the ones that do only have recordings, no options to connect to a representative. Please help to rectify my account/PSLF tracking the limited waiver program expires. Thank you so much.
Consumer complaint received 2019-10-23
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. (WA)

PLEASE REMOVE THE NEGATIVE ACCOUNT FOR XXXX XXXX  ( XXXX ), WHICH AFTER SEVERAL ATTEMPTS, I MANAGED TO GET THIS ACCOUNT REMOVED OFF OF XXXX. NOTHING HAS BEEN DONE BY THE OTHER AGENCIES IN REGARDS TO THIS MATTER. THIS ACCOUNT HAS BEEN REALLY AFFECTING MY GOALS AND STANDARDS.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (FL)

I have an inquiry from Comenity Bank/Bread Financial/Victoria Secret on my XXXX Credit report that I did NOT give permission for. 
It posted XX/XX/XXXX, today. 
I have not given permission for any hard pulls for my credit to Comenity. Comenity usually calls me before even doing a soft pull inquiry because of the fraud alert on my credit reports. I dont know what is going on but I want this off my credit report!!!! 
This is coinciding with Comenitys website being down and not being able to make payments or talk to anyone on the phone therefore I havent been able to get help directly from the company.
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

While reviewing my credit reports from XXXX, I found several inquiries not authorized by me. As such, I filed an FTC Identity Theft Report and want these inquiries promptly removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2021
Consumer complaint received 2022-08-20
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

I signed up for an American Express XXXX Card. The offer was spend {$4000.00} in 3 months to get the bonus points. I met the spend in about 2 months and now AMEX is saying they won't pay out the bonus because I : either had this card before. ( I absolutely did not have this card before ) I closed other cards with them ( How is that relevant? I have spend over 30K with AMEX cards this year. They have been able to make their fee on each transaction. ) This is misleading / false advertising. The rules were simple. Meet the spend, get the bonus. 

Please hold them accountable. 

I have attached the statement showing the bonus was hit and the points were put into pending status.
Consumer complaint received 2022-07-04
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: HYUNDAI CAPITAL AMERICA (NV)

XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Email : XXXX, XXXX Date Of Birth XX/XX/1985 Phone Number XXXX XXXX XXXX ADRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Current ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( previous ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( previous ) Subject : Dispute Kia Finance America from my credit report, Amount XXXX based on the following errors against state law. ( EVIDENCE ATTACHED ) Count 1.Notification Error ; Kia Finance America sent the written notifications of repossession and auction to the wrong/unrelated address aganist the state Law.I WAS NOT NOTIFIED WHEN MY STORED VEHICLE REPOSSESSED AND AUCTIONED Applicable Law Per NRS 482.516 '' Any provision in any security agreement for the sale or lease of a vehicle to the contrary notwithstanding, at least 10 days 's written notice of intent to sell or again lease a repossessed vehicle must be given to all persons liable on the security agreement. The notice must be given in person or sent by mail directed to the address of the persons shown on the security agreement unless such persons have notified the holder in writing of a different address ''. 
Count 2, Kia Finance America never gave notice of intended disposition of the vehicle as required by NRS 104.9614, NRS 482.516 ( 1 ) and ( 2 ), and is, therefore, precluded from the recovery of any deficiency by NRS 482.516 ( 3 ), providing in pertinent part that plaintiff is liable for any deficiency after the sale of the repossessed vehicle only if the notice prescribed by this section is given within 60 days of repossession. It is kia Motors ' fault for not giving/sending the disposition of the vehicle as required by the law. 
I politely request to investigate my claim based on my attached evidence and delete from my report.
Consumer complaint received 2019-10-23
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. (MA)

I WOULD LIKE TO KNOW THE REASON WHY NOTHING HAS BEEN DONE BY ETHER AGENCY ABOUT THE XXXX 'S XXXX/XXXX ACCOUNTS WHICH IS REPORTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL ATTEMPTS TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT, STILL NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW WHAT'S GOING ON AND PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORTS BECAUSE IT IS REALLY GETTING IN THE WAY OF CERTAIN GOALS I WANT/NEED TO ACHIEVE. IF THIS ACCOUNT IS REMOVED IT WILL REALLY HELP OUT A LOT.
Consumer complaint received 2021-06-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I find it very disturbing that this consumer reporting agency is reporting inaccurate information on my consumer report. I am very knowledgeable of my consumer rights and they have violated me in numerous ways. They have ignored my disputes. Ive been sending letters and contacting by phone since XX/XX/2021 and they still havent resolved this problem. They are in violation to federal law. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Due to them violating my consumer rights If these items arent removed asap I will have to file for litigation.