davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TFC Credit Corporation of California (AZ)

I attended XXXX XXXX XXXX XXXX XXXX from XXXX of XXXX - XXXX of XXXX When I signed up I was told tuition was XXXX. Financial aid would cover not cover all of the tuition and leave XXXX. 
I was offered a private loan for the amount XXXX and was asked to pay XXXX on XX/XX/XXXX for the down payment, leaving a total of XXXX Total Balance due was XXXX for total tuition cost XX/XX/XXXX - XXXX payment ( Cash ) XX/XX/XXXX - XXXX payment ( Credit Card ) XX/XX/XXXX - XXXX payment ( Federal XXXX Grant ) XX/XX/XXXX - XXXX payment ( Federal Unsubsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal Subsidized Loan ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Federal Unsubsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal Subsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal XXXX Grant ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Credit Card ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) Extra Charges XX/XX/XXXX SCH Charge XXXX payment ( credit card ) XX/XX/XXXX XXXX Charge XXXX payment ( credit card ) totaling XXXX Amount remaining XXXX would be the remaining balance that does not include the XXXX above charges that were not talked about in the total cost but added after the contract was signed so the actual balance should be XXXX because those additional XXXX charges were not included in the cost. I paid a total of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX After I graduated I had some financial issues and fell behind. In XXXX of XXXX I was contacted by XXXX ( XXXX XXXX XXXX. XXXX ) They informed me that I could make payments for my debt owed to XXXX XXXX XXXX XXXX XXXX / XXXX I believe that XXXX XXXX XXXX XXXX hired another company to collect the debt that was actually owed to TFC. 
I arranged with XXXX to make bi-weekly payments of XXXX until the balance was paid. I did not miss one payment. It has been paid since XXXX of XXXX. I have a letter for proof. I can also provide bank drafts for the XXXX payments made. 
My credit report is still showing that I owe money to XXXX, it show that it is closed and has an outstanding balance of {$2000.00}, still showing past due as of XX/XX/XXXX this is for the money owed to XXXX XXXX XXXX XXXX XXXX. 
I contacted both TFC and XXXX they do not work together. I was denied a car loan due to the out standing amount. It has caused issues for a few years now. I am not sure how to handle this it is costing me money and I am unable to do anything. I have contacted the credit bureaus and they can not help me even with the letter that was provided.
Consumer complaint received 2022-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Since Specialized Loan Servicing was assigned this mortgage from XXXX XXXX Bank in XXXX, XXXX, they have claimed that we didn't make the payment that was due XX/XX/XXXX. We have had numerous phone calls with them, and have sent them several written letters with documentation ( bank statements, payment notices, etc. ) concerning this disputed payment. They have even provided me with documentation from XXXX XXXXXXXX XXXX that clearly shows that the payment was made. This mortgage will mature XXXX, XXXX. This issue will further aggravate the dispute of the balance remaining on the mortgage. This dispute may also interfere with the sale of this home. We have recently sent several certified letters with documentation to them concerning this issue. They have been incessant in calling us about what they allege is an overdue payment. We have received over XXXX collection phone calls from Specialized Loan Servicing since this problem began.
Consumer complaint received 2022-08-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NJ)

During the last 6 months, we have had several problems with Ally Financial paying back this loan and tried to send a letter in the beginning of XX/XX/2022 to explain the situation, as some of it was largely due to XXXX  reasons and being incapable of making the payment and was also trying to use their phone system with our card but was not successful and needed forbearance. Since XX/XX/XXXX, I had the XXXXXXXX XXXX  of XXXX and was XXXX and was unable to do anything, and was in XXXX at the time so treatment was limited. This was also followed by a XXXX XXXX  where I had XXXX XXXX with about XXXXXXXX XXXX  on around XX/XX/XXXX through the month of XXXX and XXXX and was recovering. I have documentations of this as well During the brief time I was able to speak and try and check the situation, I tried giving Ally bank my credit card and they were unable to process it. I repeated it several times and and they wouldn't let me pay with that card. Then, the exact same thing happened with the debit card when I said it to them over the phone and they couldn't process it. I even tried in XXXX to apply for another credit card and when I was able to get into the online system ( which ALSO I had to call to get into, because it wouldn't let me log in or reset my password for awhile ) I was able to turn on auto pay after making my first payment over the phone earlier that day ( mid XXXX I believe it was ). 

Another issue I had was back in XXXX ( towards the end of the month around the XXXX ) I had turned on auto payments on the website and connected it with the bank but it clearly wasn't working I'm not sure what exactly happened. 

I'm not sure what late fees were imposed but they only waived {$10.00} as a result of this in XXXX and we have paid our payments for the last 2 months and are making every single payment on time and are caught up on our payments and are willing and able to do what's necessary to remove these late payments and have a good relationship with this bank. I've been a customer for 5+ years with them. I will pay whatever is necessary to remove these late payments and do whatever is necessary. I also paid in full once I was out of the XXXX  and made consistent payments on time.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Upgrade, Inc. (CA)

I opened a credit card in XXXX of XXXX with Upgrade Inc. I used that card to put a {$450.00} deposit down to rent a car in XXXX. I returned the car in perfect condition and have pictures to prove it. The car rental company scammed me and said I caused {$1100.00} worth of damages to the windshield and front right tire. I got into a big argument with the rental company and they charged my card {$1100.00} dollars without my consent or authorization. I escalated this to higher management but was unsuccessful. I then escalated it with Upgrade Inc in hopes of getting support. They did not give me any support or effort in investigating this matter further and when they concluded their investigation after months they said the charge was valid and only sent a picture of the contract I sent them in the beginning as evidence of it being valid. I escalated this further but higher management was equally unsupportive and nonresponsive. After the horrible experience regarding the {$1100.00} charge, my balance goes from {$1100.00} to {$1900.00} {$1100.00} out of nowhere without me using the card to make any additional purchases or charges in months. I then call and speak to three different managers about the mysterious {$800.00} increase on the balance and they tell me it is a technical issue and it should be resolved. They do not resolve it and I have to call back three separate occasions and spend hours on the phone to get the same answer and go around in the same circle. Still this day it has not been resolved. I do not want to be responsible for the {$1100.00} original charge or the {$800.00} mystery charge.
Consumer complaint received 2022-08-26
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX 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 account without my written instructions 15 U.S.C 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2022-08-25
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. (CA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXI XXXX Balance {$1200.00} ; XXXX XXXX XXXX XXXX {$510.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX  XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX  XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX ( Original creditor : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$470.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX. ) XXXX Balance {$780.00} ; XXXX XXXX XXXX ( XXXX : XXXX ) XXXX Balance {$420.00} XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX  ) XXXX Balance {$4500.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} ; XXXX XXXX XXXX ( Originalcreditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX  ) XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX;
Consumer complaint received 2019-11-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Santander Consumer USA Holdings Inc. (NY)

My lease ends XX/XX/2019. And due to certain circumstances, I wanted to sell the leased car to a 3rd party vendor before my lease expires. 

XX/XX/2019 : I called Chrysler Capital to evaluate my options and if I were able to sell the car to a 3rd party dealer. I was told it was an available option and that the dealer would need to call Chrysler Capital for the dealer payoff quote, but no one ever mentioned any time restrictions XX/XX/2019 : When I was about to finalized the transaction with the 3rd party dealer and reached out to Chrysler Capital for the dealer payoff quote, I was told that was no longer an option as it was within the 60 day windows of my lease termination. I literally missed my 60 day window by 1 day. 

No one had informed me of this 60 day window, not even when I called on XX/XX/2019 when I had inform the call representative of my intention to sell to a 3rd party dealer. I reviewed my lease contract and I also dont see it written anywhere. 

Because of this lack of transparency, it has completely derailed my original financial plan. Chrysler Capital needs to make these restrictions more conspicuous. I still dont know where this 60 day restriction is listed on my lease.
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$2500.00}
Consumer complaint received 2022-08-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC. (NY)

XXXX XXXX -- made deposits into savings account. Attempted to log in and learned that access to my online account was suddenly disabled without notice. I contacted the bank via phone, and was not informed of the reason why the account was disabled or when I can expect my access to be restored. I am now unable to access my savings.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (OR)

On XX/XX/2022, I initiated through Discover Bank an ACH transfer of {$20000.00} from my money market checking account at Discover Bank to my checking account at the XXXX XXXX XXXX. The transfer was never executed. And no monies were ever received at the XXXX XXXX XXXX. Nor were the funds returned to my Discover Bank account which has since been closed. 

In subsequent, numerous conversations with Discover Bank and an investigative unit at Discover Bank, telephone # XXXX, between XX/XX/XXXX and XX/XX/XXXX, I was told that the funds were in a " Non Account Holding ''. On XX/XX/XXXX the Investigative unit of Discover Bank asked me for a new routing number and account # to which the {$20000.00} should be sent. I was told the funds would be sent to me within 10 business days. On XX/XX/XXXX the funds had still not been sent, and the investigating agent, id XXXX XXXX, sought confirmation that the funds would be sent to me, and that I would be alerted to this fact today, XX/XX/XXXX. As of today no confirmation has been received. 




















































XXXX
Consumer complaint received 2019-11-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NC)

This group calls none stop. All day long calling, and when pickup no one answers. Call back to get an abusive person on the phone. They have resorted to calling my work, which has a stick no personal calls policy. I have no debt with these people on my credit report and they refuse to verify anything.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-08-24
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it XXXX concern, My name is XXXX XXXX. I have written to your company on XX/XX/XXXX. In Regards to an extended fraud alert or fraud alert being placed on my account in which I was not authorized for on my behalf nor was I notified about this until I tried to log into my account and was denied access to my credit report. My credit report should be available to me at all times due to me being a consumer. Not only have I contacted the company on the phone to resolve this matter. I spoke with an employee on XX/XX/XXXX named XXXX user number XXXX case number XXXX. She stated someone will be in contact to get this matter resolved. No one from this company has reached out. According to the FCRA Law 605A and 605B this is a violation of my right to access my credit report. I will be filing a complaint with the CFPB about these matters concerning this illegal activity being performed by the company. 

Thank you, XXXX XXXX