davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Braviant Holdings, LLC (TX)

XX/XX/2020 balance credit called my parent and spoke to them regarding my account and how much I owed. Totaling XXXX and then they proceeded to give them a settlement amount of XXXX. I was not aware of any of this or of a settlement amount. They have not spoken with me and this parent is not on the account nor has anything to do with it.
Consumer complaint received 2024-04-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

I bought the vehicle from XXXX XXXX in Connecticut. The vehcile I purchased was used and XXXX XXXX miles. Thats why I bought it. I paid about {$670.00} a month for the used car when the payment should have been no more than {$400.00} a month. I never missed a payment since the time I bought it. I am now passed due, and I requested for time to pay based on financial issues. I lost my job due to no fault of my own. IT is my only car. XXXX called XXXX  within XXXX  days to threaten that I payment but it would not matter, because if I dont pay {$2.00}, XXXX immediately, my car would still be subject to Repossession at ANYTIME. 

They have been unwilling to work with me at all, after me actually needing to be credited for the next XXXX  years based on XXXX  payments, which means that the care is PAID IN FULL already.
Consumer complaint received 2023-01-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-03-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc. (DC)

On XX/XX/2020, I applied online to Comenity Bank for a {$15000.00} 1-year CD advertised then at an APY of 2.10 %. Days later, I received in the US mail a letter from Comenity dated XX/XX/2020 asking for photocopies of my driver 's license, Social Security card, and a bank statement. I mailed copies of each to Comenity the next day. My correct name, address, DOB, and SSN shown were all consistent and were consistent with what I put on the application. On XX/XX/2020, Comenity emailed me denying my application. I called Comenity customer care ( XXXX ) and asked why. XXXX confirmed that Comenity received what I mailed but refused to supply a reason for the denial. That day, Comenity 's advertised APY for the 1-year CD was 1.60 %. My credit score is excellent. I have never defaulted, filed for bankruptcy, or been denied CDs or credit.
Consumer complaint received 2020-03-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: 2288984 Ontario Inc. (OH)

I received a call from an unknown caller, " XXXX XXXX '' stating they were locating me in XXXX county to serve me papers but I needed to call the number XXXX and use case XXXX. I called this number gave the case number she would not go over the case and said that she was sending the sheriff to come to my job and take me to court. She just needed my location. She said it was for a payday loan 2 years ago. 
Very nasty, making threats.
Consumer complaint received 2020-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

I received a letter from ARS in XXXX about a medical bill of {$290.00}. I responded to them within the 30 period asking for Validation of this alleged debt I have no knowledge of and they sent a letter stating they validated it with the original owner but according to the FDCPA they have to validate the debt to me if I requested it within the 30 days of the letter. I sent another letter responding to the second letter and they still failed to comply with my first letter asking for name and address of original owner also a breakdown of procedures they claim I had done and if they legally were assigned or owned the debt and there license to collect in my state. I just received another letter today stating the same thing from the second letter that they validated it with the original owner! Thats not good enough!
Consumer complaint received 2020-03-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

An International money transfer was sent from my mother to me through Western Union on XX/XX/2020. This transfer was set to be picked up by me in the XXXX XXXX. The transfer was in the amount of XXXX USD. The money order was instead picked up by someone else in the XXXX using my info on XX/XX/2020 even though I have never been to the XXXX and can provide documentation proving this. XX/XX/ called and explained the situation and requested a refund was informed that an investigation would be done. Called again on XX/XX/20 and was informed that a refund would be granted and in 24 hrs we would be contacted with a new tracking number to receive the refund, never got a call from Western union On XX/XX/20 got in contact with western union and was told that there would be an investigation again into the matter and that they would contact us in 24hrs. this never happened and instead, we had to contact them and were told that the refunded money was picked up even though it never was because we never got a new tracking number for the funds. XX/XX/20 spoke to a supervisor and was told the case was still under review
Consumer complaint received 2020-03-20
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. (AR)

I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report.
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I been a capital  customer for some years now. I have a 360 checking account and several credit cards. I recently made a deposit for a refund check from XXXX XXXX. The deposit is in the sum of {$4900.00} and for reasons unknown to me capital  has decided to place a hold on my checking account. Note, that I said account and not the funds for the check in question. Even after having contacted capital one about such an issue and waited in line as well as been transferred several times. Capital one has engaged in some form of questionable practice which involves placing a hold on a person account and not offering any explanation for such action.Last, in the time I have managed all my capital one account as always I am yet to overdraw my checking account or made a single credit account payment late.However, such an action has not shield me from such a questionable practice.
Consumer complaint received 2020-03-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Liberty Holdings, LLC (OH)

I received a call from an unknown caller, " Location Services '' stating they were locating me in XXXX county to serve me papers but I needed to call the number XXXX and use case XXXX. I called this number gave the case number she would not go over the case and said that she was sending the XXXX  to come to my job and take me to court. She just needed my location. She said it was for a payday loan 2 years ago. 
Very nasty, making threats.
Consumer complaint received 2021-07-30
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: Experian Information Solutions Inc. (AL)

On XX/XX/21 I called XXXX XXXX to exercise my right as a consumer to opt-out from my nonpublic personal information being shared with a reporting agency or nonaffiliated third party. The Rep stated, " that all the information is on the privacy page site and they do not issue separate private policy forms for every transaction that I open, and can't let me opt-out of reporting to the credit reporting agencies because it is a lending product ''. So I checked to validate what disclosures were presented, and it wasn't anything stating that I have the ability to opt-out from my personal information being sent to credit agencies. As a consumer, I exercise my right under federal law and request to opt-out from my nonpublic personal information being sent to reporting agencies or nonaffiliated third parties.

A notice was not required Pursuant to federal Law 15 U.S.C 6802 ( a ), 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 notice. Also, Pursuant to federal law 15 U.S.C 6802 ( b ) ( 1 ) ( B ) and 15 6802 ( b ) ( 1 ) ( C ) I was not given the opportunity to direct that such information not be disclosed to such third party and, I was not given an explanation of how I the CONSUMER can exercise that nondisclosure option.
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (KY)

XXXX XXXXpersonal account {$130.00} & {$1300.00} I went to the bank to cash several checks. I was surprised that the teller available was someone I knew but she did not usually work at that location. 


Sometime in XXXX I started receiving calls that my account was in overdraft. I thought it was a scam at first. Finally after numerous calls I had to give them personal information and that is when I became aware there was a problem with my account. 

the bank claims That the teller gave me too much money back for my checks. I disputed that claim. I eventually met with a regional bank manager. I told the manager about my personal experience with this teller and that she was almost terminated previously because an incident concerning my husbands business and the teller giving out information that she was not authorized to give. 

The bank teller was fired for reasons unknown.. however I suspect it was due to the situation concerning transactions made that day concerning me, personally. The bank claims this teller gave me too much money when she cashed my checks. I dispute that claim. 

I have tried to call this regional employee but he doesnt return my calls. I am being harassed by phone calls and I would like the bank to open a full investigation or quit harassing me with phone calls.
Consumer complaint received 2021-06-18
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: TD BANK US HOLDING COMPANY (CT)

please review the following accounts that are reported on my credit report, without any authorization, it is hurting me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXX Account Number : XXXX This is not mine. 

Identity Theft TARGET/TD Account Number : XXXX This is not mine.
Consumer complaint received 2020-03-18
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: EQUIFAX, INC. (GA)

THE FOLLOWING ACCOUNTS WERE PLACED ON MY CONSUMER CREDIT FILE DUE TO FRAUD 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 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

For nine years we paid our monthly mortgage through XXXX XXXX. On XX/XX/XXXX XXXX XXXX  sold our mortgage to XXXX XXXX XXXX XXXX  XXXX, with the servicing of our mortgage being handled by Select Portfolio Servicing , Inc . 

On XX/XX/XXXX SPS , Inc. sent us a Mortgage Statement showing our payment of {$460.00} due on XX/XX/XXXX to be automatically deducted from our bank account per our previuos agreement with XXXX XXXX. 

Our problem with this new servicing company is in regards to the breakdown ( principal and interest ) of our payment. The XXXX Mortgage Statement shows a principal amount of {$58.00} and interest amount of {$400.00}. Our XXXX Mortgage Statement from XXXX XXXX  showed a principal amount of {$190.00} and interest amount of {$260.00}. 

In all of XXXX, our interest amount from each monthly mortgage payment made through XXXX XXXX was never over {$290.00}. Now, SPS , Inc. is increasing our interest amount to {$400.00} on our first payment with them (? ). In XXXX I contacted the SPS, Inc. Customer Service Center to get this straightened out and was told it would have to be researched and I would get a response in writing. I'm not liking how everything is being handled by this new company. Therefore, on XX/XX/XXXX, I paid off all but {$200.00} of the original principal amount that was transferred to the new company. My thinking is the XXXX payment of {$460.00} that was deducted from my account should have been allocated to have approx. {$200.00} towards principal and the rest towards interest. That would leave very little if anything left to be paid on my mortgage account. 

On XX/XX/XXXX I called the Ombudsman Department at SPS , Inc. to find out what the balance ( principal and interest ) is to pay off my mortgage completely. Again I was told it would have to be researched and I would get a response in writing. 

As of today, XX/XX/XXXX, I still have not received anything ( in writing or other ) telling me what my true payoff is. Meanwhile the interest continues to accrue. I once again called the Ombudsman Department at SPS , Inc. and  demanded that they get the issue with my XXXX payment corrected and give me my true payoff so I can be done with this company and get my cleared documents. Their answer once again was that they would have to turn it over to another department to research and they would get back to me in writing. I'm at an impasse with this and am being XXXX, as interest is accumulating daily while they take their time " researching ''. 

Luckily, I was able to pay off the bulk of my principal balance early. Imagine the poor people that aren't able to pay off their mortgages? They are being XXXX  on higher interest payments and no one is doing anything about it! 

Please look into this fraudulent practice - this is not right, and companies like this should not be allowed to do business!
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX