davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (NY)

I was giving a XXXX dollar loan with XXXX XXXX XXXX in the year XXXX. I was on time with my payments however I fell a little behind. I still kept in contact to figure out solutions that could better help me pay them back. However, I was in contact with a women name XXXX the XXXX or the XXXX of XXXX and she spoke with her manager "  guy '' and she said that he stated they would offer me a XXXX dollar settlement. They said the payment would start XXXX XXXX of a payment of XXXX and XXXX XXXX XXXX, XXXX for the last payment to seal the deal. They stated my car would not be towed. However, my car was towed before the deal began which was towed XXXX XXXX, XXXX at wee hours of the night. I called to decuss with XXXX that we made a deal for XXXX and she stated that now I would owe XXXX but they would give me a deal of XXXX to get my car back. As I read online after the car has been towed they are not suppose to charge me interest fees. Today I called XXXX XXXX, XXXX and spoke with XXXX and I told her by law they are not suppose to charge me interest after the car has been towed and she said my balance would still be XXXX plus more. But they gave me a settlement of XXXX. I only took out a XXXX dollar loan. I also asked if she could email me or send me the fees of what they are charging me and she said No. she stated they would only send me a copy of my contract. XXXX also stated once I gave them the XXXX dollar then I would get a receipt but she stated they do n't have to send me anything regarding the fees that are charging me for. I also stated to them if they sold my car they would have to give me my remaining balance after XXXX would be taking. XXXX stated that even though they gave me a deal of XXXX I would still only get the remaining balance after they took XXXX from the money for the car. I felt that their is no consistency in what they are saying they have all these different prices but they are also stating they would not send me my fees in writing or anything. The only thing they said they would send me is my contract. Then I called the tow place the tow place told me I would have to pay XXXX for my plates and XXXX for my items. They are not being fare with me. If the deal was for XXXX that 's what suppose to be the deal.
Consumer complaint received 2023-01-26
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$4300.00}
Consumer complaint received 2023-05-25
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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: SYNCHRONY FINANCIAL (SC)

There are multiple hard inquiries reported on my credit report. On my XXXX credit report, one from XXXX on XX/XX/2023 and also from SyncXXXX on XX/XX/2023. On my XXXX credit report, there is a hard inquiry from XXXX XXXX XXXX, on XX/XX/2023. I do not recognize any of these. I called the companies on my XXXX report to request a deletion letter on XX/XX/2023. I called the company on my XXXX report on XX/XX/2023 to request a deletion letter. They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Consumer complaint received 2023-01-06
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. (VA)

In accordance with the fair credit reporting act they have violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XXXX There are damages on my consumer report and according to 15 U.S.C 1681 this is not acceptable.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete accounts listed IMMEDIATELY!
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am hereby requesting the immediate deletion and removal of the following accounts and associated information from my consumer report. It is evident that the accounts and information listed below should not be reported on my consumer report, as their inclusion directly violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the swift deletion and removal of these accounts and information from my consumer report in order to rectify the multiple violations of these important laws. I urge you to take immediate action to remove these accounts and information without any delay.
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (VA)

Owner of property address XXXX XXXX XXXX XXXX, XXXX  XXXX has retrieved medical records from a court-appointed attorney surrounding a XXXX involuntary detainment that shows evidence in those records that there are attempts to rewrite history regarding the finances and medical history of XXXX XXXX XXXX ( XXXX XXXX ) with recent history of a denial of a professional license by the ( XXXX XXXX XXXX  ) XXXX 

XXXX XXXX XXXX ( XXXX XXXX ) is never one to disclose her finances for the sake of proving someone wrong. However, in this case and due to recent events, XXXX XXXX XXXX ( XXXX XXXX ) will disclose that Wells Fargo Bank , N.A . or any other creditor was in no danger of not being paid by XXXX XXXX XXXX ( XXXX XXXX ) in XXXX when she applied for a mortgage with Wells Fargo Bank than they were in XXXX when she was forcefully removed from property by XXXX XXXX XXXX XXXX, XXXX and continuously harassed to the present. Not only did XXXX XXXX XXXX ( then XXXX ) have {$8000.00} in her bank account, she had an unused line-of-credit from XXXX XXXXXXXX XXXX for {$15000.00} that could be increased to {$50000.00}, and a {$5000.00} loan that was set on automatic drafts. In XXXX, XXXX XXXX XXXX ( XXXX XXXX ) had Virginia Worker 's Compensation benefits that were supposed to be paid weekly in the amount of {$1200.00}, she could receive unemployment benefits as well as the ability to work until the XXXX  XXXX XXXX XXXX revoked her license, and still she could have and still can as of this current time use social security benefits. XXXX XXXX XXXX ( XXXX XXXX ) caused no financial hardship to Wells Fargo or no other creditor during the life of her loan. 

Removing XXXX XXXX from the loan in XXXX, did not cause Wells Fargo Bank any hardship as XXXX XXXX XXXX was one payment ahead on the mortgage when she filed for bankruptcy in XXXX and continued to make payments until Wells Fargo refused to accept them in efforts to help the Commonwealth of Virginia and others. Wells Fargo Bank , N.A . caused XXXX XXXX XXXX ( XXXX XXXX ) hardship. Finally, when this loan was applied for, Wells Fargo Bank clearly told XXXX XXXX XXXX that she could finance the mortgage with no other borrowers necessary ; ( sole ) borrower.
Consumer complaint received 2023-02-01
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: CL Holdings LLC (TN)

I have items on my credit report that does not belong to me, that has been on my credit for almost two in a half years. Jefferson Capital in the amount of {$3100.00} for XXXX XXXX. Ive never had any XXXX accounts. Ive also requested the original signatures, and documents from when I first signed these documents. Company never send me these documents showing that these items belong to me. I have requested these items to be removed, but after time and time nothing has happened. I have sent in disputes, 601 letters and nothing has been removed. Iv reached out to all credit bureaus and nothing has been done. I wont this item removed off of my credit.
Consumer complaint received 2017-05-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I attended  XXXX  from  XXXX  and I took out a private and federal loan to attend. This loan is very expensive and wont be paid off for decades.. the main issue I have is that the school is no longer active and I 'm paying for a degree that has no meaning or credibility.  Schools  will not Transfer my credits. My main concern is I do n't even feel like putting  XXXX  on my resume is benefiting me in anyway. Can I please get help and get this loan dischasrged!!! I 'm not even mad about the money, I 'm more made at the fact my degree means nothing and I wasted years!!!
Consumer complaint received 2023-05-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY (MI)

I opened an account with TDRetail in XXXX. I have encountered job loss and job change yet continued paying my account. I communicated extensively with TDRetail the entire duration of my account usage ; I formally requested hardship consideration to be able to pay my account off under the deferred interest period - request was for an additional 30 - 45 days. I received no response from TDRetail for over 4 months even though I continued to inquire regarding my request, I continued payments on my account. Finally, after several inquiries on my part and no response, then TDRetail denied my request. Once XX/XX/XXXX arrived and I had paid ~ {$2500.00} on the principal ( original purchase ) and ~ {$1000.00} in interest - I prepared a dispute of the remainder of the debt showing as exorbitant predatory interest, including in writing and verbally during phone calls that my last payment was my final as an accord and satisfaction. Now TDRetail is calling a mailing me incessantly, and negatively reporting on my credit. 



Getting a line of credit - TDRetail lowered my credit limit, now reporting negatively on my credit ( confusing advertising or marketing, credit denied ) Problem when making payments - Although I endured financial challenges I paid my account- I communicated extensively with TDRetail ( billing, privacy issues ) Struggling to pay your loan - Although I was in XXXX XXXX, I paid my TDRetail account ( payment plan, repossession, bankruptcy ) Problem with the payoff process at the end of the loan - TDRetail is charging my exhorbitant interest although I have paid principal and interest to finalize the debt ( refinancing, extending loan ) Charged fees or interest you didn't expect - TDRetail is adding exorbitant predatory interest charges to my account Problem with additional add-on products or services Problem with cash advance Credit limit changed - TDRetail lowed my credit limit Problem with credit report or credit score - TDRetail is negatively reporting against my credit
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The following debts were sold to a collection agencies, two specifically yet still report bad debt with original creditor. All debts were paid and settled with collection agencies. 
XXXX XXXX Company-acct no. XXXX XXXX- acct no. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Digital-paid in full XXXXacct no. XXXX
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (CA)

I received an alert email from my bank on Sunday XXXX stating a lender checked my credit report AND verified my identity. After I accessed my bank 's mobile app, I found info on the lender and called Monday, XXXX To my surprise and relief a step answered and after exchanging info, she informed me the credit card that I didn't apply for was flagged and on hold pending further investigation.She also informed meet was applied for on-line and none of my personal devices were used for this action. Please consider this a concern and not a complaint against the lender. Mt complaint is with the person/people who attempted to use my info to procure a credit card!
Consumer complaint received 2023-05-24
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b 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 2024-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL (NJ)

In XX/XX/XXXX, my company, XXXX XXXX, applied for credit to finance a XXXX XXXX XXXX trailer through XXXX XXXX XXXX XXXX in XXXX, XXXX. I executed a credit application and later, contract, for financing under the business name and personally acted as a guarantor for the business as is standard procedure. The loan company/bank, XXXX XXXX XXXX has since made monthly " personal '' credit file account updates showing my $ XXXX debt to XXXX and XXXX files XXXX appearing XXXX though i've opened a personal credit card, and am always at 100 % utilization. I've requested this be fully removed from my personal file, they object, yet can not show anywhere in my signed contract where i agreed to this. Furthermore, we agreed to a much " higher '' XXXX finance rate to have the loan through the business versus personally. I believe the difference in XX/XX/XXXX, was XXXX or 10.99 % apr versus our company loan at XXXX  %. To make matters worse, among several other issues, the loan company has NO online method of payment monthly for this XXXX. term loan. I've inquired several times, and they claim they're " working on it '' but that we can ONLY mail in a check or pay via credit card over the phone. We are a business, so we setup automatic bank scheduled check payments to XXXX for months in XXXX. XXXX routinely, almost always, either claims they didn't receive the payments or cashes/deposits them several days/weeks later then they were mailed. We receive collection phone calls daily 7 days a week even though we've paid over our required {$XXXX} monthly payment amount each month. We physically mailed our payment on XX/XX/XXXX, due XX/XX/XXXX certified mail, XXXX shows it was delivered XX/XX/XXXX, as of XX/XX/XXXX, it was not cashed, and was later returned on XX/XX/XXXX, with the check defaced.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION (FL)

My account was frozen and Suncoast credit union in XXXX Florida did not advise me at all about this. I had to make a phone call and find out it was about identity theft. 

Since I am currently out of the state I could not go in person to resolve this issue. I am planning an out of pocket expense trip back to Florida to try to resolve this issue in the branch. 

My time and money are both taken away from me for having to travel back and the bank did not even inform me of identity theft, they just froze the account.

It may look like the right thing but it was not because they left me out of state with no money.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Last year I was notified that I have a collection reporting to XXXX and Equifax from a timeshare with a balance of XXXX. I have contacted XXXX XXXX XXXX ( on XX/XX/2023 and XX/XX/2023 ) and asked or some type of signature, ID, or anything that the person provided when using my name and social to sign up for the timeshare. The representative told me I have to file a police report and notify XXXX and Equifax. 
I then reached out and filed a dispute with XXXX and Equifax. I sent letters of dispute in XXXX, I waited 30 days and sent another in XXXX asking for validation that this is my debt. They responded, but they only sent a copy of my credit report, without actually investigating. I sent another round of letters on XX/XX/2023 and I got the same response. In my last response, I asked them to provide the name and business addresses of each individual with whom they verified the collection with, the date they contacted them, the method of communication, and a provided signature or identification they have on file.
Consumer complaint received 2021-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Duvera Billing Services, LLC (CT)

I called XXXX  because I was concerned after pulling consumer credit report and disappointed my payments not being reported to credit bureaus. " Account manager '' gave me misleading information lied about reporting my payments to credit bureau every month. I followed up with credit bureaus opened dispute because they have NOT received any reporting from XXXX  since XXXX..
Consumer complaint received 2024-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company is stalling keeping my credit score down, and causing me high-interest rates, and money. While they keep getting rich off of my low scores to keep their business profitable.