davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX XXXX XXXX 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 those account 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. 


XXXX XXXX XXXX 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
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX in Maryland. I felt pressured by the salesman into buying a vehicle that day. Every time I tried to end negotiations I was told that the incentives were ending that day and that it would only be minutes for the manager and finance office to complete the sale. I was eventually there for XXXX hours. At contract signing, the finance manager added on an extended vehicle warranty, wheel and tire warranty, and a XXXX insurance policy with Toyota Motor Services , Inc. I did not request those add-ons and when I stated that I did not want them, I was told that it was required by the lien holder that I have those products in order to receive the auto loan. I was pressured into signing the sales agreement with terms that I did not agree to. I later attempted to cancel the warranties ( provided by Toyota Motor Services , Inc. ), but was told by Toyota Motor Services , Inc. that my car payment would remain the same, even if I canceled the nearly {$10000.00} in warranties. I was forced to keep warranties that I did not request or want. 

Then, on XX/XX/XXXX the vehicle was totaled in a collision. My auto insurance company promptly paid their portion of the total loss claim. However, Toyota Motor Services , Inc. has repeatedly impeded the completion of vehicle pay-off by giving me false information regarding deadlines, coverage amounts, and actions taken to settle my total loss claim. Toyota Motor Services , Inc. sent me a check list of documents needed for claim processing, but kept asserting that the documents were not received, and requested additional documents not previously requested. I attempted to fax documents 11 times but could not get through. I was told that their fax machine was working but was " not compatible will some fax machines ''. I then sent documents by XXXX and through a commercial fax service. I spent about {$90.00} in total getting documents to Toyota Motor Services , Inc. The company still claimed not to have received them ( until I produced delivery receipts ). To date, they are refusing to pay the full remaining balance of the vehicle, as agreed upon, citing vehicle depreciation that was already deducted from the vehicle evaluation and payment from my auto insurance company. They are also erroneously claiming that I had late and missed auto loan payments. When I call their office in XXXX, TX, I get conflicting statements as to whether the artificially deflated pay-off check has been sent to my lien holder . I was eventually told that it was mailed by standard XXXX mail, but then told that the check was pending approval. I have continuously been denied phone transfers to speak with a supervisor or manager. We are midway to the 90-day cut-off for my claim, and Toyoyta Motors, Inc. has yet to honor the terms of our agreement that I was forced to sign.
Consumer complaint received 2024-04-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (NV)

SST states they purchased a loan ( s ) from XXXX XXXX XX/XX/year>. I requested paperwork showing the purchase and new loan documents with SST. I have responded to emails and text message from SST since XX/XX/year> requesting the paperwork for the loan ( s ). To date they have refused to send me anything except statements asking for money. They are stating " for my privacy they can not send send that info through email '' So I requested they mail it to me ( they have my address on the statements they send me ) but they won't even acknowledge that, they just repeat themselves saying for my protection they can't send the info through email. The website shows nothing under documents. They have reported me as late to the Credit Reporting Agency on loan ( s ) that they refuse to provide paperwork on. I even sent them a official letter stating it was the law for them to provide me with the paperwork. Their response was " for my privacy they can't send the info through email ''. So I give up. But this needs to be removed from my Credit Reporting since there is no proof that the loans exist. Thank you for your time.
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Advanced Recovery Group LLC (MD)

Communications are being sent to family members by XXXX XXXX from Advanced Recovery Group. 

Specifically, the following message is being sent : XXXX from Advanced Recovery Group contacting you on behalf of our client XXXX, regarding your business <business name>. Your account is in legal status. I sent you an email at <business email>. You can call me at XXXX Contact Information for XXXX XXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-19
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: Santander Consumer USA Holdings Inc. (TN)

I recieved a notification at XXXX XXXX on XX/XX/2019 that my XXXX credit report was accessed with out my permission. I did not authorize this company to access my credit report. Due to being a victim of identity theft I keep my credit report monitored
Consumer complaint received 2024-08-12
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. (GA)

I was unaware of this debt when it appeared on my credit report, I didnt have the opportunity to dispute this information. If in fact you believe you gave me proper notification please send me the certified documentation that shows that I was aware of this debt that had my signature stating that I received this documentation. 
In the absence of such documentation, I respectfully request that the accounts be removed from my credit report, as I was not given the opportunity to address these debts in a timely manner. 

Please provide me with the requested documentation or proceed with the deletion of the accounts from my credit report. I would appreciate your prompt attention to this matter. 

Account : XXXX XXXX  - XXXX Account : XXXX XXXX XXXX XXXX - XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX - XXXX Account : XXXX - XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

I have tried no less than 3 times to setup autopay.. get the confirmation of request but each month the billing statement comes I am not enrolled in autopay and my amount due shows less and not the full amount of My agreement. Multiple months now I am missing out on the autopay interest rate reduction and reps on the phone have been of no assistance.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the bank associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over five years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent accounts since the submission of the requisite documents. 

XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-08-12
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. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/2024
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX 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 2024-08-12
Product: Credit reporting 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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is frustrating to have such unrecognized hard inquieries, plese help me with these
Consumer complaint received 2024-07-15
Product: Credit 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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, a fraudulent charge ( {$340.00} ) was showing on my credit card ending in XXXX via Wells Fargo banking app, in which I contacted Wells Fargo ( at XXXX ) right away and notified Wells Fargo that I did not authorize that charge and it is a fraud charge from someone who have stolen my credit card information. Wells Fargo did not stop nor cancel that charge at that moment ( XX/XX/XXXX ) and let the transaction went through. On XX/XX/XXXX, Wells Fargo sent me a letter letting me know about this fraud charge ( same as listed above for {$340.00} ), which took place in Pennsylvania, I live in California. On XX/XX/XXXX, I called Wells Fargo at XXXX when I received the letter dated XX/XX/XXXX, Wells Fargo requested that I make a police report for this fraudulent charge, I believe that I did not have to get a police report for a fraud charge that I have already reported to Wells Fargo but Wells Fargo asked for a police report. On XX/XX/XXXX, I visited the XXXX Police Department and filed a police report ( Report # XXXX ) for a credit card fraud ending in XXXX. I visited a local Wells Fargo bank to submit the police report and which the dated letter XX/XX/XXXX and the police report number were faxed over to Wells Fargo, in according to the Wells Fargo employee at the local Wells Fargo bank. Only XX/XX/XXXX, I called Wells Fargo again at XXXX, and I was told that the temporary credit have been approved and it should be in my account. On the letter dated XX/XX/XXXX, Wells Fargo stated that I will receive temporary credit for this fraud charge, as of right now XX/XX/XXXX, I still have not received any credit like Wells Fargo has promised.
Consumer complaint received 2024-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (NJ)

Aidvantage put me into forbearance due to going to university. I called them and told them don't put me on forbearance, I am on the XXXX program and I pay no interest on this program. Put me back on the XXXX program, I asked. They did not do this and now I have {$1100.00} + of debt added from interest! This is a predatory lender that purposely puts me into forbearance to collect interest I would not have on the XXXX program! When I called them to recify their mistake and waive the interest that is covered under the XXXX since they wrongfully put me into forebearance ; they said they would but they did not! Aidvantage is a predatory lender that is trying to add compound interest to students who make under {$32000.00} a year.
Consumer complaint received 2024-06-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NAVY FEDERAL CREDIT UNION (CA)

This is just an example of financial information being asked of me after 2 months of providing all documents I have. 
Good Morning XXXX XXXX, Please provide an explanation for the bill pay to Approved Card from XXXX XXXX # XXXX Can you confirm your marital status? 
Do you have any ownership in XXXX XXXX XXXX? 


Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, SC XXXX Thank You XXXX Could XXXX send in a copy of your Trust? XXXX have to have the XXXX reviewed and approved by our XXXX Department. 

Thank You XXXX XXXX XXXX XXXX, In order to put the mortgage under your XXXX XXXX XXXX, it needs to have the Revocation Clause and the Power to Borrow Clause. The employment verification we requested is for your current employment. The underwriter is asking for a letter from XXXX XXXX XXXX to confirm your relocation to XXXX XXXX, new hourly rate and number of hours you will work. You let us know that they will not provide a letter since you are not in XXXX XXXX yet. 

Thank You XXXX XXXX We are going to need the homeowners insurance policy for the condo in XXXX. Are there XXXX  dues for this condo? 

Thank You XXXX XXXX XXXX, Your file is back from final review. The underwriter is requesting additional information. Ive listed the items needed below. 

Please provide a transaction list from XXXXXXXX XXXX XXXX XXXXXXXX for these dates XX/XX/XXXX to XXXX Please provide a statement to source the {$250000.00} large deposit in XXXXXXXX XXXX XXXX XXXXXXXX from XXXX XXXX XXXX Please provide the tax bill for the condo in XXXX. The tax bill must be in XXXX For the explanation you gave for the bill pay in XXXX XXXX # XXXX. Which credit card are your referring to? 
Please provide XXXX XXXX XXXX statements to source the following large deposits into XXXX XXXX # XXXX - {$14000.00} on XX/XX/XXXX, {$16000.00} on XX/XX/XXXX, {$17000.00} on XX/XX/XXXX & {$14000.00} on XX/XX/XXXX Thank You XXXX XXXX XXXX, This is all complete and submitted on XXXX. The GGRC Stipend for XXXX was a payment they paid me to pay XXXX for his participation in an online training for Direct Support Professionals. 

Thank you, XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK (TX)

I have had a hard time getting back on my feet since covid. The first time my home was in forclosure was in XXXX when the pandemic first started. I was not informed by my mortgage company that I could apply for forbearance or any other payment options to help me catch up on my balance, so I filed XXXX XXXX bankruptcy. My credit took a huge hit, my hours were reduced at my job of 7 years, and things got tough. Once I found out that I could apply for forbearance it was XXXX I believe. My forbearance was over in XXXX of XXXX, and I applied for the Texas Homeowners assistance Fund on XXXX XXXX, however previously I applied and was denied. My second application with XXXX is still open and active and I communicated that with my mortgage company. They have to ability ro look my case number up, and I was informed that when they looked up my case number nothing was showing up. I tried for weeks to get my caseworker on the phone with the XXXX and nothing was done with my application until XXXX on my forclosure date XX/XX/XXXX. My home was sold, and my mortgage company wouldn't nldo their due diligence to see if I really did have an open case with XXXX. I also was unaware that once I was out of forbearance that they opened a second mortgage. Initially was not explained to me that it was a second mortgage on my home and also being refinanced. My home was sold on XX/XX/XXXX in a forclosure auction and I feel as though this should not have happened especially since I had been applying for TExas homeowners assistance for a year and a half. I have nowhere to go, and I will not be able to find a home for my children and myself with a forclosure on my credit. And the company who purchased my home has already left a note on my door. I can answer any questions you may have, and I know that since my home was already sold that there isn't much I can do, bit I feel like the ball was dropped between texas homeowners assistance fund and my mortgage company Gateway.
Consumer complaint received 2024-05-23
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. (NY)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.