davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (MD)

There was no box for exactly what TD Auto Finance is doing. This is for Vehicle : 2021 XXXX XXXX XXXX, Account # : XXXX. 

I signed up to use AutoPay for my new car loan and then wanted to verify that the the initial loan amount was what was on my contract and could not see that information in their online system, nor could I view statements. I messaged them online and they kept saying they were attaching documents but they did not, so I would message and request again and finally 2 calls back but the rep did not identify who she worked for ( XXXX XXXX ( SP? ) XXXX or what options to push when I called back - there was no option to connect to her extension on the number she gave me to call back to. 

Finally when I messaged back and said I was filing a complaint a supervisor called and said in order to be able to view/see my account detail online I could not be enrolled in Autopay, so she removed me and then informed me that I would have to manually make payments if I want to see my account detail online at any given time. 

Trying to view statements after the supervisor removed me from ebilling I am greeted with this message - so I still can not see my statements : eBILL STATEMENTS SUMMARY ACCOUNT : XXXX Congratulations! You are eligible to enroll in TDAF 's eBill program. Please click " Sign up for eBill '' below to continue. 

Feel free to contact us if you have any questions about the status of your account. 

I should not have to go back to having to send payments in via the troubled USPS just because their system is not set up to allow a customer at any given time to see their loan information. This HAS to be in violation of some consumer finance policy!
Consumer complaint received 2022-07-29
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: Maximus Federal Services, Inc. (PA)

I, the consumer, have discovered several violations done on the part of the financial servicing company XXXX XXXX XXXX XXXX XXXX XXXX and Aidvantage. 
Pursuant to federal consumer regulations 15 USC 1681a ( 1 ) a consumer report is one of a written oral report provided by the consumer ( I, the consumer did not provide this information to any of the credit bureaus ) 15 USC 1681a ( 2 ) ( ( A ) ( i ) ( ii ) ( iii ) - prohibits the furnishing of any information pertaining to transactional relationships and communications between the corporations and consumer 15 USC 1681 section 602 A states I have a reasonable right to privacy and that has been violated 15 USC 1681 section 604A states that a consumer reporting agency can not furnish a account without my written permission ( I the consumer did not give any consumer reporting agency permission to furnish this information ) XXXX  and AIDVANTAGE furnished inaccurate and damaging information to my consumer credit report XXXX XXXX and XXXX Consumer has also discovered pursuant to 15 USC 1 every contract in restraint of commerce is declared illegal and is fined at {>= $1,000,000} or jail of 10 years Consumer grants permission to CFPB to act on their behalf
Consumer complaint received 2022-07-30
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. (AL)

My credit report shows that I have XXXX collections. The status for both is open and past due. A collection account can't be open and therefore it should not be reporting open. The fact that it is in collections means it has been charged off. A collection is by default late and past due. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Debt collector Acct # XXXX Alleged amount balance - {$360.00} Alleged Original Creditor- XXXX XXXX XXXX XXXX Alleged Original Creditor Acct # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Debt collector Acct # XXXX Alleged amount balance - {$1400.00} Alleged Original Creditor- XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX Acct # - XXXX
Consumer complaint received 2024-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC (SC)

The email below is from Rocket Mortgage. I called into get help with my monthly payments due to my wife not working because of health. The first statement is false I was paying XXXX monthly scrambled to pay the original modification of {$590.00} and am now being told my payments are {$840.00} they denied my modification after accepting payment because I didn't answer their call to accept the modification ( Scam Likely. ) Was never told anything about making payments in full or that I didn't qualify until XXXX  days into the process. I have attempted to correct this with them pointed out they created this issue by misleading information and multiple departments and personnel asking for more information and then approving but not contacting me with any further information or details. There solution is for me to pay in full with penalties and interest and delist my home for sale. 

I had the opportunity to review the account further and we can not enter loan back into previous plan due to the payment amount received, even with the error and us approving the mortgage for an option, the payments are required to be paid in full each month and you send us {$580.00} instead of {$590.00}. 

There is no active plans to enter you into as the home is listed for sale. Any applications will be denied if the home is on the market. I would highly recommend either bringing the loan current or delisting the property and showing us proof and reapplying for another workout option or continue to try and sell the home. 

Internal coaching is being provided for how the interaction and application got filled out to begin with. I apologize for how it seemed like the home could be for sale and you be able to enter into a plan, but we dont offer that to any of your clients. Its either or, if selling, applications will always be denied. If not selling and not on the market, we can
Consumer complaint received 2022-07-31
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Common Wealth Mortgage Services (AZ)

During the 2021 I was in a forbearance plan for my mortgage with COVID-19. At the end of my forbearance plan we did a loan modification to be paid back what has been messed the service company than doing to my credit for no payments for 90 days which significantly impacted my credit. I filed an air through experience and they said no air was found I have tried to work with the mortgage company and keep getting the runaround.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2022-05-13
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-30
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. (LA)

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX  ) -name as reported on my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( THEIR METHOD OF VERIFICATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING LATE, WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED. 

If this account is not deleted from my credit report within 30 days I will be visiting my nearest small claims court & I would be seeking a minimum of {$1000.00} in damages PER violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Each of you will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2022-08-15
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. (KY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  Original creditor XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Account # XXXX U S DEPT OF EDXXXX Account # XXXX XXXX XXXXXXXX XXXX INQUIRIES 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 XXXX, XXXX XXXX, has violated my rights.

XXXX XXXX 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
Consumer complaint received 2024-09-12
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. (NJ)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Dispute Information XXXXenter Re : Notice of Dispute Dear ( credit bureau ) , I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumerfilein accordance with 15 USC 1681i ( a ) ( XXXX ) ( A ) : XXXX - Account # XXXX Delete this account because you are inaccurately reporting - Date of last activity ( XXXX ) - Payments dates. 

XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting - Date opened ( XXXX ) and payments. 

You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-07-25
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. (MD)

This is the 2nd and last time I am writing you about this issue. I will use it in court against you.

This is the issue : Equifax is violating the Federal Credit reporting Act by keeping a charge off account more than 7 years on my credit report. Even on its own website it is clearly written that : XXXX a charged-off account will remain on credit reports up to SEVEN YEARS FROM THE DATE OF THE FIRST MISSED OR LATE PAYMENT on the charged-off account. >> I have attached a screenshot of Equifax website where you can clearly see the statement above. 
There is a charged-off account ( XXXX XXXX XXXXXXXX XXXX XXXX that has been on my credit report for more than 7 years from the date of FIRST MISSED PAYMENT. The date of the first missed payment has been voluntary changed to keep this account longer on my credit report, which is a very serious violation of the FCRA and I would like to sue you for that. I am only sending you this letter to show the judge that I have tried to resolve the issue with you before suing you. I have the credit card statement from XXXX  XXXX XXXX showing exactly when the first missed payment happened, I have attached it to this notice. 
My Equifax credit report shows that the first delinquency happened in XX/XX/XXXX which is not true, it happened in XX/XX/XXXX and I have the credit card statement to prove it. Like I said I am only gathering proof of communications between you and me to use it in court against you. 

The correct date of the first missed payment date should be XX/XX/XXXX not XX/XX/XXXX. Therefore from XX/XX/XXXX to XX/XX/XXXX thats 7 years and 6 months, which is more than 7 years legal limit. 
Remove immediately XXXX XXXXXXXX XXXX XXXX from my credit report!!!
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (KS)

HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH AD ASTRA RECOVERY SERVICES INC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-08
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: CULLEN/FROST BANKERS, INC. (TX)

FROST BANK IS HARASSING ME AT MY EMPLOYER AND THIS IS A VIOLATION OF THE FDCPA I have been disputing this account by the name of FROST BANK since XX/XX/XXXX. It was opened XX/XX/XXXX, with the account number, XXXX with a {$770.00} balance. I've unsuccessfully challenged this account until now, and throughout this time of disputing I've gotten many calls harassing me. I believe the agencies aren't doing their job as I get the same typical response of correspondence. Under the FCRA, I am requesting exact proof of this negative information and help to stop FROST BANK FROM HARASSING ME - This negative information must be removed or corrected!
Consumer complaint received 2022-07-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$4000.00} and XXXX XXXX XXXX Date XXXX Balance : {$0.00}.
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (SD)

A phone call was received on XX/XX/XXXX XXXX from XXXX XXXX Office of hunter Warfield on behalf of XXXX XXXX XXXX XXXX in regarding the debt collection in the amount of XXXX some change ( I dont recall the exact amount ). After a phone conversation was finished, the resolution came out to be a 50 % discount of the original debt and this was approved. However, when I requested a letter of acknowledgement from Hunter Warfield and I was denied because they will not provide any written notification about this requested. I also requested a phone recording as part of proof just in case I was being scam and I was denied again. In a situation like this, can I requested a letter of acknowledgement if agreement is done by verbally? I do not want to end up paying anything extra if the settlement is already agree.
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened an account with Citizens in response to a promotional offer of {$300.00} if you established direct deposit, which I did. However, I did not receive the {$300.00}. I called and inquired about the {$300.00}, and it was eventually credited to my account. Citizens claimed there was a mixup about my address ( missing apartment number ) that somehow prevented the bonus from being credited initially. 

Family members of mine also opened Citizens accounts under the same promotion and none us received the bonus without calling to inquire about it. It seems clear that Citizens Bank is offering the promotional bonus with the hope of never having to pay it, relying on the fact that most people will either not remember the promotion or will be too busy to follow up on it.