davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XXXX/XXXX/16 I filed a complaint with this office concerning the violations of Transunion on my credit report. I also filed a complaint with the XXXX XXXX XXXX XXXX. I looked on XXXX a few mins ago and now my credit score is XXXX. A XXXX point drop from yesterday. Plz I am asking for some help. They continue to leave stuff on my report and penalize me for their mistakes. I am about to lose my house, be sued, and all because the wo n't follow the law and do what they are supposed to do. I have XXXX XXXX XXXX and I do not need this stress
Consumer complaint received 2016-03-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United PanAm Financial Corp. (TX)

I have 2003 XXXX financed through United Auto Credit. I am XXXX payments and have XXXX to go, the motor has locked and seized at this moment. I have been in contact with the financial institution from the day it has been inoperable. They asked me to obtain estimated cost of repairs so they may file for an extension on payments. I have done so on XXXX different occasions, but mysteriously everytime it 's sent over its a new person claiming to be my account manager. At this present moment I am being harassed on a daily basis over a payment, in which I was told would be extended if i sent over the required documentation ( estimate/qoute )
Consumer complaint received 2015-04-17
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

I told them that I lost my job and I will have another job by the XXXX XXXX. I lost my job on XXXX XXXX. I continued to make the payments until I could n't anymore like two weeks ago on XXXX XXXX I wasnt able to make payment and the have called XXXX time a day from XXXX different numbers and I have ask them not to call me until after XXXX XXXX and the man hung up and called me right back the name of the company is Easy Money.
Consumer complaint received 2015-05-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (HI)

I have tried, since the beginning of my car loan, to have Wells Fargo Dealership take a monthly car payment out of my bank account. I filed a complaint with Consumer Financial Protection Bureau and Wells Fargo contacted me and put a payment behind my loan, but had various reasons I could not have a direct debit taken from my bank monthly. I also asked for a payment history to be sent to me monthly, showing payments, and principal status, but that did not happen. I do not receive loan payment books, not loan payment history. I asked for a refinance to lower the interest, but I was told I was not eligible. I asked for late payment fees to be decreased, but they continue to follow my loan, increasing as the loan continues. 
Please will you help me by : inquiring what my interest on this loan is, why it can not be lowered, why I can not have a monthly payment debit taken from my bank, why I can not have a payment history sent to me monthly showing my payments taken off the principal? Can you inquire what my late payments are adding up to? Will you help me get a lowered monthly payment that can be taken out of my bank account? 
I purchased my car in XXXX of 2013 and I have felt in the dark since I made my first car payment. I sent it to the address on my contract, and was later told by Wells Fargo Dealership that it went to a non-existent address. That started my late payment fees. 
I wrote a letter of hardship last year to Wells Fargo telling them that I was taking care of my XXXX year old mother, and having a difficult time financially. I need the car when I transport my mother to medical appointments or if she has an emergency. I requested their help with this loan by giving me full disclosure regarding my financial history with them, my options for refinance and lowering my interest, and/or lowered payments due to hardship. 
I recently sent the bank a check from my car insurance company for {$3000.00} to try and help me catch up with this loan. The check was made out to Wells Fargo Dealership and myself. I received the check for car repairs, but my family is helping me fix the car. When I sent the check, I asked for a payment history again. I asked for help with the loan. Wells Fargo Dealership has not responded to me. 
When I talked with representatives in the President 's office, I complained that the loan officers were rude on the telephone, being threatening, harassing, calling every day, and I requested them not to call me. I requested contact by e-mail but that was denied due to procedure. I have requested full disclosure and correspondence by snail mail, but that has also been denied to me. I feel frustrated, like I have been in a no/win situation since the beginning of this loan.
Consumer complaint received 2016-01-22
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (IL)

On XXXX/XXXX/XXXX I responded to a final notice from advocate health care by phone and talked to XXXX at XXXX and asked for a payment plan of XXXX month paid bi-weekly XXXX told me she would have to refer the matter to management and would call me back with an answer.I never received a call so i sent a XXXX payment via : money order # XXXX on XXXX/XXXX/XXXX I called again on XXXX/XXXX/XXXX and talked to XXXX at XXXX who said was sent a letter agreeing to payments of XXXX bi-weekly and informed me my account was sent to collections and could not be returned.I complained I was never called as promised or told to look for the decision in the mail. XXXX transferred me to XXXX where i spoke with XXXX who told me I made a payment on XXXX/XXXX/XXXX and the account was sent to collections on XXXX/XXXX/XXXX I informed her my money order dated XXXX/XXXX/XXXX was mailed on the same day XXXX/XXXX/XXXX. XXXX informed me she would send a email to the in house self pay unit who would contact me in XXXX hours this was XXXX on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX I received a letter from a collection agency dated XXXX/XXXX/XXXX with a threat to seek judgement from me for the full balance not minus my XXXX payment. I went through my mail and found a payment arrangement letter from XXXX dated XXXX/XXXX/XXXX that demands a minimum payment of XXXX not the XXXX bi-weekly payment i asked for.I still have not heard back from the " in house '' self pay department.
Consumer complaint received 2016-02-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Systems International, Inc. (FL)

Back on XXXX/XXXX/2015 we disputed a credit report entry from Credit Systems international. After the dispute with case numbers XXXX and XXXX, Credit Systems international agreed to delete the entry because " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX does not show to be a good address for mail delivery. There were no telephone numbers on the file to attempt contact with XXXX XXXX. 
We attach our required verification of the debt. If XXXX XXXX disputes the validity of the charges, and if she will furnish our office what the dispute is, we will open an investigation. 
A request to delete the report from the Credit Reporting Agencies ( CRA ) has been requested and no further reports will be requested for a minimum of 60 days to allow XXXX XXXX sufficient time to review the itemized statement and/or notify us of any errors '' We then sent them a debt validation letter with specific information they need to send to me to validate the debt, not just say they have validated the debt. We uploaded into the CFPB system with the above claim # as well as mailed it certified mail # XXXX on XXXX XXXX, 2015 which they received on XXXX XXXX, 2015 @ XXXX. Not once they they respond and now again I find the charges on my credit report. I want these charges removed immediately until the information I requested is sent to me in accordance with HIPAA laws. I will again attach the original letter I sent them to this claim
Consumer complaint received 2016-03-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Kirschenbaum & Phillips P.C (AZ)

A judgement was placed on my checking account without knowledge as to who the creditor is, the amount of the debt and no summons was received by me. My account contains child support and social security income which legally can not be restricted. When I called the law firm my bank provided, they refused to give me any information as to who they are unless I provided my social security number. I declined, as I was unaware of whom I was speaking to. The point of contact at the lawfirm aggressively told me she would not provide me with any information and that my account would stay frozen.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-09-17
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC (FL)

I received an email yesterday ( XXXX/XXXX/15 ) stating my application for a loan was approved but they needed to verify information. I did not answer as I am a XXXX and did n't see the original email until later. I received a second email informing me that my loan cleared and would be funded to log into my account. I realized that I also had 5 missed calls from the same company. When I called I was asked for my social security number and date of birth. I refused and told them I did n't apply for a loan nor did I want one. I was told that I did apply and they could n't help me without my personal information. I asked for a supervisor and the same person returned to the phone and said the same thing. I logged into the website and there were loan documents that I supposedly signed. My name is not correct, nor my address. The IP address that I supposedly signed is not in the state that I am currently residing nor a city that I ever lived in or visited through a cable company that I have never used. I called my bank to close my account and I had to wait until today when the branch I opened the account with opened for business. I check my account this morning and this scam loan has funded to my account. I called, and emailed the company ( Castle PayDay ) and they refuse to help me stating that I did apply and except the loan. I am a teacher and I was in school in a conference with other people in a different state when I supposedly signed this document.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2015-12-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC. (PA)

My issue is with my current finance company Exeter Finance. I purchased a vehicle XX/XX/2015 from XXXX which was to be financed by Exeter finance company. I returned the vehicle the same day because I was having issue before I could get it home and I got another car financed through Exeter. XXXX sent the funds for the first car back to Exeter via ACH as they should XXXX/XXXX/XXXX, however I did not know until recently that Exeter Finance put the original loan for XXXX on my credit report ( which is incorrect ) along with the current loan that I have. I am having issues with the car that I kept a XXXX Chevy Equinox and went back to XXXX XX/XX/2015 and purchased another vehicle that I returned the next day. XXXX sent those funds to Exeter Finance on XXXX/XXXX/XXXX as required under the return agreement. Exeter Finance also has that loan for XXXX on my credit report ( which is incorrect also ) as well even though they received the funds via ACH from XXXX. Neither of those accounts, XXXX and XXXX, should be on my credit report and they are not removing them. I have called numerous times to no avail. They are not taking this issue seriously and they do not care that they are destroying my credit score and it appears that I have XXXX loans with them totaling over XXXX when I do n't. I have XXXX loan with them for about XXXX. I spoke with Transunion and was told I should not have to dispute these that Exeter can remove these mistakes ( THEIR MISTAKES ) the same way they put them on there. I am exhausted trying to get someone else 's mistake removed. My current car financed through Exeter is shutting off while I am driving which XXXX extremely dangerous and scares me as I have XXXX children. I have gone through the expense of renting vehicles to have something safe to drive as I have physical limitations and I need a reliable car. I can not purchase another car until Exeter removes the FALSE loans from my credit report. Can you PLEASE help me get a resolution to this issue? I have called the corporate office only to be sent to a voice mail. I am not understanding why that would be the case during business hours and that is not the first time I called. Again can you please help me resolve this issue? Thank you in advance for any help you can offer me in this situation as it seems Exeter has no intention on resolving this issue and rectifying THEIR mistake. Thank you
Consumer complaint received 2015-07-21
Product: Credit card — 
Issue: Delinquent account — 
Company: STERLING JEWELERS, INC. (FL)

Kay Jewelers is set to come off my credit reports in XXXX 2016. However, Florida Statute XXXX indicates that it should not be reported more than 5 years after the final payment which led to the charge-off. Therefore, it is beyond statute of limitation.
Consumer complaint received 2015-07-21
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC. (CA)

FOR THE PAST TWO MONTHS I HAVE BEEN CONTACTING XXXX SUNTRUST TO TRY TO GE THEIR HELP REMOVING A REPORTING FROM MY CREDIT BUREAUS THAT THEY ARE REPORTING TO. AND I HAVE BEEN TOLD BY SEVERAL EMPLOYEES TO JUST SEND OVER A COPY OF MY CREDIT REPORT AND A WRITTEN LETTER REQUESTING THE ACCOUNTS TO BE DELETED AND THEY WILL HAVE THEM REMOVED. THESE ACCOUNTS ARE ALREADY CLOSED AND HAVE BEEN FOR YEARS. AND I AM APPLYING FOR A HOME LOAN. IN ORDER TO GET APPROVED THESE ACCOUNTS NEED TO COME OFF. I HAVE DONE EVERYTHING THAT I CAN DO THAT SUNTRUST HAS ASKED ME TO AND THEY HAVE BROKEN THEIR PROMISE TO ME AND LIED TO ME BY TELLING ME IT WAS ALREADY REMOVED. WHEN I CALLED SUNTRUST TODAY AND SPOKE WITH XXXX EMPLOYEE ID XXXX. HE SAID THAT HE IS SORRY FOR THE MISUNDERSTANDING BUT HE WILL NOT BE HELPING ME REMOVE THIS FROM MY ACCOUNT ALL THOUGH I WAS PROMISED THAT IT WOULD BE REMOVED. BECAUSE HE DOESNT HAVE TO. AND IT IS THERE REGULATIONS TO KEEP IT THERE FOR 7 OR MORE YEARS. WHY HAVE I SPOKEN WITH SEVERAL EMPLOYEES AND NON OF THEM EXCEPT HIM KNOW THIS POLICY? AND WHY WAS I PROMISED IT WOULD BE COMPLEATLY DELETED AND NOW THEY ARE SAYING NO? AND THE FIRST COMPANY WAS CLOSED DOWN AND SUNTRUST TOOK OVER SO WHY ARE THEY STILL REPORTING IT TWICE? AND REFUSING TO STICK TO THEIR PROMISE TO ME TO DELETE IT FROM MY CREDIT HISTORY?
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: ENCORE CAPITAL GROUP INC. (MS)

File incorrect information on credit report and refused to correct it. You making monthly payments and it 's saying you not by put your balance as monthly payment. We pay every month and it 's keeping you behind and report it. Midlands credit management refuses to correct the bad report and told me they would n't change it.
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A. (VA)

I attempted to access my account at Citi.com so that I could pay my balance. I have n't used the card in a while and could not remember my password. Their online password reset sequence asked for my full credit card number, the security code, and answers to my security questions. I could not remember the answers to my security questions. 
I called them and spoke to a representative. He asked me for all the same information and then told me he could not reset my password unless I could answer the security questions. Typically, prior to this point, I am offered the option to email me a password reset link. He said that was not possible. 
I finally asked him to send me a paper bill so that I could pay my balance. He again asked for my personal data. 
I am concerned about identity theft, since I gave them the PAN and security code at least XXXX times ( XXXX online and XXXX on the phone ). Also, not being able to access my account electronically at all is bad business and unacceptable to me. 
1. Should I be concerned about this? 
2. How will my FICO score be affected if I cancel this card? 
Thank you very much. 
Regards, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I advised Transunion that I did not authorize or provide the above-referenced businesses and institutions permission to inquire about my credit status, and the continued presence of such inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act ( " FCRA '' ), must be removed subsequent to their reinvestigation as set forth in Section 1681i which requires Transunion to reinvestigate each and every disputed item and to complete the reinvestigation or delete the disputed item within one month. 
Furthermore, as further required by Section 1681i ( a ) ( 6 ) ( B ) ( iii ), Transunion should provide me with, " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance with the Fair Credit Reporting Act, Section 611 [ 15 U.S.C. 1681i ]. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), I had Transunion to provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' TransUnion advised me that they would not initiate a dispute.
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

Green Tree Servicing is repeatedly engaging in a practice of refusing to credit my payments to my mortgage account with them. They are agents for XXXX, and XXXX is the bank that I use to make the payments, so there is no excuse for them failing to record all of these payments. I do wonder if they are acting in bad faith.
Consumer complaint received 2015-05-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I was told that this old account was re-aged and sold to XXXX XXXX. I contacted XXXX XXXX and worked aggressively to pay this off within months by making doubled payments and large debit amounts as agreed by payment plan with myself and XXXX XXXX. I made the final payment before the plan was up because the rep and Account Manager told me the file would be closed and removed from my credit files. I have never received correspondence from them as paid in full or it removed from my credit files. I have sent them numerous goodwill letters and they have never responded. I would have never paid them in full and before the payment plan was up if they never agreed to remove this from my credit files.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.