davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VW Credit, Inc (FL)

Pre arbitration demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX Volkswagen credit XXXX XXXX XXXX XXXX, IL XXXX Re : Complaint for Breach of Contract, Violation of UCC 9-609, and Truth in Lending Act Violations Dear Sir/Madam, I am writing to file an complaint against your bank for breach of contract, violation of UCC 9-609, violations of the Truth in Lending Act ( TILA ), and failure to comply with the arbitration clause in the loan agreement. 
As I previously stated, I believe that your bank and XXXX XXXX XXXX violated UCC 9-609 during the repossession process by failing to provide proper notice of the repossession, failing to provide me with a reasonable opportunity to cure the default, and breaching the peace during the repossession process.

Furthermore, I now allege that your bank violated TILA by failing to provide me with accurate and complete information about the terms of the loan agreement. Specifically, your bank failed to disclose certain fees, charges, and other material terms of the loan agreement, in violation of TILA.

In addition, I recently discovered that your bank failed to comply with the arbitration clause in the loan agreement. The loan agreement contains a provision requiring all disputes between the parties to be resolved through AAA arbitration. However, your bank failed to use AAA arbitration for all disputes related to the loan agreement, including the dispute regarding the repossession of my vehicle. 
Your bank 's failure to comply with the arbitration clause in the loan agreement is a breach of contract, and entitles me to damages and other relief. 
I am requesting that your bank investigate this matter and provide me with a detailed written response explaining your position and any remedial actions you will take to rectify the situation. I am also requesting a copy of any documentation, including the loan agreement and any notices or other communications related to the repossession, that your bank and XXXX XXXX XXXX XXXX XXXX have on file for my account. 
If I do not hear from you within 30 days, I will have no choice but to initiate legal proceedings to enforce my rights under the law, including but not limited to claims for breach of contract, violation of UCC 9-609, violations of TILA, and failure to comply with the arbitration clause in the loan agreement. 
Thank you for your attention to this matter. 

Without prejudice Agent/Beneficiary, XXXX XXXX
Consumer complaint received 2023-05-06
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 sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (IL)

My information was compromised & fraudulently used without my permission ; While I was stationed XXXX, serving in the XXXX XXXX. 
My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ). 

I have never received any benefit from the fraudulent account herein, and/or its affiliates & under federal law, I am NOT responsible for the perpetrator ( s ) fraudulent actions.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I recently discovered that {$20000.00} in monies left to me by my late grandmother were wrongfully kept by Wells Fargo without my permission. After my grandmother passed away, she bequeathed certain funds to me. Rather than advise me of this bequeath from my grandmother, Wells Fargo secretly opened an account in my name, without my permission or knowledge. Wells Fargo illegally kept this account open for at least one year before advising me of the existence of the account. To date, Wells Fargo has failed to advise me of which transactions or trades were made ( if any ), the opening balance of the account, whether any funds were transferred or diverted to other accounts, why such transfers ( if any ) were made, and an explanation as to why the account was kept in my name for a year without Wells Fargo attempting to advise me of same. Additionally, Wells Fargo is legally required to mail me monthly account statements and never sent a single one in a year. I am lawfully entitled to this information. 

Also, I do not have an account number from the secret/illegal Wells Fargo account because I was never advised of the Wells Fargo account information.
Consumer complaint received 2023-09-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (FL)

On XX/XX/XXXX  my 2 private student loans through Sallie Mae lost the reduced payment plan option and the cost went up to over {$600.00} a month which is something that I could not afford. In the past, when I received the option for a lowered rate ( 2 years at a time ), I was told to allow the loan to go one payment past due. 15 days after the loan was past due ( XX/XX/XXXX ), I called into Sallie Mae trying my hardest to get to a supervisor or manager who would give me new payment options so that I can continue repaying my loan directly with the company. They persistently told me no options are available to you. I asked for an explanation on why there were suddenly no options available to me, aside from paying the insane amount that they are asking for each month and I received no answer. I was told that I needed to make a years worth of payments at the current rate, but how could I do that if Ive been explaining that I cant afford that amount. I have been trying to pay something and every time I received a reduced rate, my payment was consistently made on time. However, now they arent willing to work with me at all.
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We were notified that our escrow increased by {$71.00} per month when our insurance was reduced and our taxes showed only a {$20.00} per year increase. I called Mr. Cooper twice and yesterday was placed on hold for more than 40 minutes and they did not provide a reasonable answer. Our original mortgage holder was XXXX and in XX/XX/ were notified that our mortgage was sold to Nationstar and they quickly changed their name to Mr. Cooper. XXXX sent us the annual Escrow Account Discloser Statement in XX/XX/XXXX and they showed a escrow surplus of {$46.00}. Mr. Cooper claimed that they mailed us a XXXX on XX/XX/XXXX but we never received it. I asked why we were being charged the extra {$71.00} per month and they could not give me an answer. They told me they needed to place me on hold while checking and they never came back to the phone. The escrow specialist [ XXXX ] told me that she was located in Texas and I told her several times that she was very hard to understand. She continued to apologize but did not provide a reasonable answer. She then placed me on hold and never returned. Finally I was forced to hang up when the battery on my phone signaled low. Respectfully, XXXX
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My identity was hacked through my computer and it now has a virus. loans were taking out in my name. the loan company are hassling me even though I did not do this. It is hurtful for someone to steal your identity and you get accused of the problems at hand. 
XXXX : Loan for XXXX XXXX  : Loan for XXXX XXXXXXXX XXXX XXXX  : Loan for XXXX Credit bureaus refuse to take off of credit report. 
Inquiries remain also. 
Please remove all from credit report
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (CT)

I had a credit limit of approximately {$11000.00} in XX/XX/2023. I had a credit balance on my account so when I made a purchase I thought it was against the credit. I wasnt aware of the check mailed. When I discovered the balance due in XX/XX/2023, I paid the bill immediately and they removed the late fee. 
So, XX/XX/2023 I was trying to book trip and the transaction was declined twice. I wasnt aware they reduced my credit limit to {$200.00} due to a missed payment in XX/XX/2023. My account has been in great standing prior to this and I would like to have my credit limit restored. I have called them numerous times and so told I have to proof myselfI have done if they review my account. Case XXXX XXXX
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my and instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX transunion I am writing to dispute several items on my consumer credit report that I believe are inaccurate and should be removed immediately. I am invoking my rights under the Fair Debt Collection Practices Act ( 15 USC 1692 ), specifically sections 15 USC 1692 G, 15 USC 1692 I, and 15 USC 1692 E. 

Upon reviewing my consumer credit report, I have noticed the following items that are listed as negative and not accurate : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have evidence to support my dispute and request that you investigate these items and remove them from my consumer credit report as soon as possible. I am also requesting that you provide me with a copy of my updated consumer credit report once these items have been removed. 

I would like to remind you that as a credit reporting agency, you have a legal obligation to ensure that the information on my consumer credit report is accurate and up-to-date. The Fair Debt Collection Practices Act ( 15 USC 1692 ) provides me with certain rights to dispute and remove inaccurate information from my consumer credit report. 

I appreciate your attention to this matter and look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-21
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. (CA)

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau.

After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediatly. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

COMPANY XXXX XXXX AND EXPERIAN, THAT WAS BUILT OFF OF SLAVERY, CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. XXXX IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. XXXX AND EXPERIAN HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS XXXX XXXX IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( XXXX XXXX  ) SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY XXXX AND EXPERIAN AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF MY CREDIT REPORT.
Consumer complaint received 2023-11-07
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 have asked the credit reporting agencies to properly update my information I provided. accounts just poping up reporting inaccurate and lowering my credit worthiness score. with credit score being such a key factor in companies approval process this has now become harmful to me and my family. they have not done any updates to my credit profile.
Consumer complaint received 2023-11-25
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (WA)

I signed up for Care Credit to pay for some dental bills. They automatically enrolled me in paperless statements and never told me Id be hit with the full interest if I didnt pay it off in time. It was always advertised as 0 %. I just was hit with a charge for {$500.00} in interest when I had less than 2 months left to pay off the {$400.00} remaining balance. There was no heads up, email, letter, or phone call to let me know this would be expiring and that Id be hit with this huge fee. I would love help resolving this as everyone Ive spoken with says there is nothing they can do!
Consumer complaint received 2023-12-20
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (NY)

I have just called Chase today ( XX/XX/2023 ). Chase Bank is making efforts to drive me insane in order to make me as insane as them. I have wasted over XXXX minutes with a representative who refused to process XXXX forms we emailed to Chase several times already. For several years, Chase has refused any cooperation with us over this matter. The representative baited me into wasting time by saying they would help me fill in XXXX forms for the alleged PPP loans/grants. I do not even want their help ; I have demanded several times that they send XXXX links that my accountant can use to fill in the forms himself. Chase has instead written to me text ( s ) that are anti-accountant. 

After I wasted several minutes answering stupid questions on XXXX and making XXXX work, Chase then pretended to not know they just sent me a XXXX link as if they haven not been calling to tell me they could help me fill it out -- since they refuse to use the forms I sent to them which my accountant prepared.
Consumer complaint received 2023-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

I have had this loan for 10 years. NEVER escrowed for taxes or insurance. Premiums are always paid annually in full. 

Year XXXX property put in flood zone. Freedom forced placed flood insurance, but I secured my own policy within the time frame required, so in year one my montly payment was corrected to principal and interest only. 

In year XXXX, I paid the flood policy in full XXXX. It was not due until XXXX. Once again Freedom force placed flood insurance ignoring that I DO NOT escrow. My check for payment cleared before the payment made by Freedom Mortgage. My reseach indicated that Freedom 's check was RETURNED TO THEM.

Freedom is saying I owe {$1200.00} for insurance. I have made so many calls and even sent paperwork showing the " mistake '' is in their escrow department via USPS return receipt requested and acknowledged. 

In a telephone conversation with their escrow department on XXXX, I was assured that my account would no longer be escrowed effective XXXX CLEARLY BEFORE THE DUE DATE OF XXXX. 

Furthermore, I have paid XX/XX/XXXX payment and have proof that the check cleared my bank, but their records do not reflect that.

Today I am mailing ( overnight signature required ) the XX/XX/XXXX payment of principal and interest in the amount of {$770.00} which is the amount I have paid consistently for 10 years.

I am including a copy of the Declarations Pages of both Flood and Homeowners insurance showing that they are up to date and paid in full. 

I am also notifying them of this complaint to CFPB. 

I trust you will be able to resolve this issue. 

Thank you
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$6900.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9300.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}.
Consumer complaint received 2024-06-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington maliciously reported an entry on my credit report after a technical error on their site has prohibited me from making a payment on their stand-by cash product. I attempted to reach out to support but was told there's nothing they could do for me. My credit is being destroyed due to a couple dollars. I have video evidence of the process not working correctly. 

I escalated the case via the XXXX  and to Huntington 's Customer Advocacy Response Team. The information presenting by the representative was factually incorrect and did not match information related to my system. Huntington is unwilling to resolve the issue and will force me to close my accounts with them.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Deinde Online Services, LLC (MN)

It has recently come to my attention XXXX Integra is illegally reporting a charge off on all 3 of my consumer reports. This is a direct violation of the law since I have not granted XXXX  written consent to report this account on my consumer report. I'd also like to note charge offs are considered ordinary income in accordance with Internal Revenue policy and income is not permitted for any reason to be reported on the consumer report. I hereby opt out of XXXX  Integra reporting this account in accordance with the privacy act of 1974 and demand they remove the account immediately in accordance with 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.