davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (MI)

I enrolled with XXXX XXXX many years ago ( XXXX )? and have never received any documentation about my payments, despite asking repeatedly. I have now discovered that they were not making accelerated payments as described in their literature/contract, and I have not made headway on my mortage as expected. I have since dropped out of the program but want to ensure that I am part of the agreed upon settlement between the company and consumers.
Consumer complaint received 2024-03-19
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. (OH)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$340.00}.
Consumer complaint received 2024-03-19
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)

Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX XXXXXXXX Pursuant 18 u.s.c 8 I do not own any debt, this company is violating my consumer rights to privacy.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XX/XX/2020 TransUnion has an incorrect phone number on their website that I called and I was told to call this number by XXXX. When I called the correct number that XXXX had given me that everything was the same and told TransUnion about the situation they hung up on me.
Consumer complaint received 2022-02-24
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Tesla, Inc. (FL)

We purchased a car from Tesla and went to their dealership to order the vehicle. The sales rep took us on their website. We calculated the payment to $ XXXXmonth with {$22000.00} down. Their website stated that the payment includes Includes Destination & doc. A fee of {$1200.00}. Once we ordered the car, paid them {$250.00} as a deposit, and the documents were sent to us days later within their portal, the car payment jumped to $ XXXX/month ( $ XXXXmonth increase ). When we confronted them on the discrepancy, they told us that the website was false and, in their own words, " we are not a big fan of our payment calculator on our website. '' When I confronted them that this is a bait and switch, they retracted their statement and started to justify the mistake by stating their website doesn't include ANYTHING in their payment, no interest, no fees, no taxes, etc. How is one supposed to know what the total payment is if the interest on the car is not added when they're presenting the payment and selling the vehicles to their consumers? And there are other hidden fees on top of the {$1200.00} they have shown? This is a 31 % increase in payment from what was told to us at the time of the sale!

Financing a car or a mortgage is no different. If a mortgage company were showing payments on their website that didn't include the APR, Fees, and Taxes, they would be shut down by the CFPB and FTC for false advertising. Still, a car company like Tesla can advertise payments to people and switch on them without any recourse??? This is a double standard in the finance industry and unjustified! 

After canceling the order, they removed the contract on their website which you couldn't even download!
Consumer complaint received 2022-02-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I am in the process of purchasing a home and I have a debt that is reporting on my credit report. The debt has a zero balance but the negative remark is hindering me from taking the next step. On XX/XX/2021, I wrote Equifax and XXXX about the concerns. I did not receive a response. On XX/XX/2021, I wrote XXXX XXXX ( the XXXX XXXX XXXX ), I also have not received response from them. On XX/XX/2021, I wrote Equifax and XXXX again. I still haven't received response. I need this debt removed from both bureaus immediately. I will attach proof of letters sent along with certified tracking numbers. 

Certified Letters : XXXX Equifax-XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One Auto Financing is charging me interest on Principal ready paid. They refuse to adjust my loan to meet with the end of our contract date of XXXX keeping my Monthly rate at {$270.00} p/Month regardless of Principle payment. Under the Law, Yearly evaluation of Loans needs to be taken place and loan recalculation is needed to insure interest isn't levied against principal paid. Capital One refuses to follow the Law.
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (IN)

I rented an apartment at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, indiana XXXX from XXXX XXXX. They agreed to let my ex wife continue my lease when I moved out XX/XX/2021. My ex wife and son moved in the next day. I paid a {$620.00} deposit and they are suing me for {$460.00} because they said I broke the lease. I had a verbal agreement with them. National credit systems now has this on my credit report. My ex wife can verify the dates. I do not owe this money.
Consumer complaint received 2020-03-26
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: EQUIFAX, INC. (MO)

I have been trying since 2016 to get XXXX, Equifax and XXXX  to correct my credit report. They take anything the creditor gives them and then closes the case. I am never notified, questioned or involved in the so called " investigation ''. I have supplied Identity Theft Reports, Case # 's, Emails to them proving my case. The original creditor no longer own the debt. I call and call and get no response. I have mailed things to the CFPB proving my case. I get empty promises, language barriers and forwarded to endless ringing lines, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX are the worst. XXXX XXXX and XXXX XXXX  are the worst to deal with. This is a one sided problem that needs to be fixed. I will be taking legal action immediately if this does not get resolved. This is fraud and as a US Citizen I want justice. It should not come to this. I have paid what I owe and done my due diligence. I am prepared to stand up for my rights as a taxpayer. I have asked for signed documents by me with my handwriting proving these accounts were mine and charges were me. I have never got anything. Every month my scores just drop. Please contact me so we can work together on getting justice for me. I am involved in so many data breaches and have not gotten any justice from that. The attorneys sure have. That is wrong. I am human too.
Consumer complaint received 2024-03-19
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. (FL)

Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account charge off which is a IRS Law ; Certificate of indebtedness is income and must be remove from credit report. 

If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay.

In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. 

XXXXXXXX XXXX XXXXXXXX, Canceled debt- IRS XXXX
Consumer complaint received 2020-04-09
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)

Experian is reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-04-09
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. (CA)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (NV)

I finally was making payments on time after thousands of dollars in their pockets and not applying to my car. I've been on time for the past 2 months and because of the coronavirus lockdown and no work I can not make a payment and they're not willing to Bend at all there is no way I'm refinancing and falling more behind again absolutely not and they should freeze the accounts and give us another month to pay this is XXXX. They're clearly taking advantage of the situation at all costs this {$6000.00} loan is turn into like a {$15000.00} nightmare and now it's going to keep going up higher higher again because of this virus. I only owe XXXX left and if I fall behind you I'm just going to let this car go with this point I can't invest any more money into this with more late fees it's going to cost me {$900.00} extra a month every time I'm late extra above my payment. My payment is {$1500.00} a month. Please people have XXXX  me over on this lease like you don't even know but my worst hang up with them right now is that they're not even working with people due to the lock down it's not our fault. They should be shut down out of business for doing this to us. Especially because you're allowing them to stay opened the business and they're XXXX  over the people that already has loans and I can't pay them right now giving the more power because nobody is putting their foot down with this company. They're getting their cake and eating it to.
Consumer complaint received 2020-04-09
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXXXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlas Credit Company, Inc. (TX)

On XX/XX/XXXX, I accepted a loan from Altas Credit Co. , Inc. for {$500.00}. In XX/XX/XXXX, I checked my credit report and saw that there was another account opened by Atlas Credit Co., Inc. in XX/XX/XXXX for {$730.00} without my knowledge or consent. When I called the XXXX, TX Office, I was told that I was sent a refinance offer on my loan in the mail and even though I never responded to the offer or came in to sign a contract and pick up the money, the account was opened. At that time, I was told that they would close the account, but they would try to get it off my credit report and I should also dispute the account with the credit bureaus to get it removed. After checking my credit report today, I noticed that this account is still on my credit report.
Consumer complaint received 2020-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (TX)

My complaint is regards to XXXX XXXX reporting inaccurate information on XXXX XXXX XXXX consumer credit report. As of XX/XX/XXXX, this account with XXXX XXXX XXXX XXXX shows an open account. I have disputed this account multiple times, and I ask XXXX XXXX, and XXXX XXXX to validate this debt. As of XX/XX/XXXX, XXXX XXXX or XXXX XXXX has not validated this debt. XX/XX/XXXX, I reached out to XXXX XXXX and spoke with XXXX the representative at XXXX XXXX, XXXX confirms there is no balance in their system shows for XXXX XXXX. XXXX than transfer me to a XXXX and he confirms there is no balance shows delinquency in their system for XXXX XXXX. Also, reach out to Tek Collect Agency, I spoke with XXXX the representative ; I asked XXXX to validate this debt of {$290.00} that shows on my consumer credit report because I do not recognize this debt. XXXX ask me to follow up with her within two weeks, she needs to reach out to XXXX XXXX to get documentation for this debt. XXXX confirms she did not have any documentation in their system to validate this debt. XX/XX/XXXX, I called back to Tek Collect Agency and I spoke with XXXX XXXX she asks me to call back around XX/XX/XXXX here system has no documentation to validate.
Consumer complaint received 2020-04-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC (MT)

I have a company that is calling me several times a day, on the few times they leave a voice message the say " XXXX XXXX ''. I do not know who XXXX XXXX is? Now, they are calling my Nephew looking for me and they have called him several times. I do not know how they would have his phone number, I never put his number down on anything. I don't know how they would associate me with him. 

My last name is XXXX and my Nephews last name is XXXX. 

The last time they left a message with my Nephew they gave this phone number XXXX. You could not understand the Gentleman 's name that called. I attached a copy of the voice message transcript from my Nephews phone. The first XXXX number on the message is a phone number to a XXXX talk  line. I am not happy about that at all. 

The easy way to reach me is by text or email. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX
Consumer complaint received 2022-06-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-04-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (AZ)

This is a pay day loan that had a court judgement for 2 years with threats of garnishment if I missed a payment. I got a court judgement XX/XX/2020 that it is paid in full and the judgement satisfied and the company Speedy Cash refused to remove off my credit record when I disputed it with XXXX. The dispute came back and said it will remain on my credit record and I dont know how long. After 2 years of threats of garnishment and I paid them off after they have been on my credit record for 6 years, if its paid in full and closed it should be removed from my credit record. Its no longer necessary to continue to drag my credit when I got them cleared through a court order. Enough is enough!!
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (OR)

When I opened a checking account at Wells Fargo in XXXX of 2004, at XXXX years old, they opened a credit card in my name as well without my permission. I noticed it when they were also charging me for their rewards program, for a card I didn't apply for. I called them to stop the charges and had to threaten them to get them to remove the rewards program charges, but the damage was done and the card was opened. Closing the account would only hurt my credit score, so I left it open but never used it once in the almost 11 years it was open.
Consumer complaint received 2020-04-09
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. (IL)

I have disputed the unverified and inaccurate account from XXXX XXXX with Equifax on XXXX XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.
Consumer complaint received 2020-04-06
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (NC)

GM Financial refuses to respond to my multiply emails, phones calls and letters asking for corona-virus impacted financial situation, and potential request for resolution on the amount GM Financial is pursuing to collect. 

GM Financial it seems is NOT complying to the current economic and governmental issues that are effecting the XXXX  Loans that they service. Despite my requesting financial help/assistance from them on my current outstanding balance due to the Corona-virus impact, and an XXXX settlement, I have not heard anything from them at all!!! 

.
Consumer complaint received 2020-04-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I have a lease with Toyota Financial - it ends in XXXX. Monthly payment is {$330.00} ... plus the car has XXXX miles less than the allowable XXXX. My husbands business closed down to due the covid-19 - its a non essential business so we have no income coming in. Trying to alleviate as many bills as possible ... ending the lease early we can then cancel the auto insurance as well would be most helpful. I contacted Toyota and they said I could end it but would have to pay fees or if I just hand in car early my credit would suffer. Can you help?
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CT)

The original creditor XXXX  XXXX removed the account beacuse it wasnt mine. The company that bought lvnv funding it kept it on with a last payment date that wasnt on the original date. The collector who bought it stated a last date paid was wrong beacuse they never recieved a payment from me.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

On XXXX and XXXX of 2017, Credit report shows that I made 2 late payments to American Eagle ( AEO ) in which I disputed. I always paid online monthly and expressed to the agency that the application use to crash all the time. I sent a 'Goodwill '' letter stating the entire situation on XX/XX/XXXX. The account has been paid in full without it going into collections. I just can't afford for this mark to be on my report for the next 5 years. I would appreciate more than words can ever describe if it can be removed. My credit score is very good and if its removed it will most likely be excellent, I am potentially in the process of purchasing a home and need my score to be as high as it possibly can. This mark is really hurting my credit.