davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (MI)

I have six payments left with LC. My payment was due on XXXX and I am late paying it. I went on their website to see payment options and look at total balance. When I clicked on make a payment, their system automatically set up a payment for today 's date and said it will take it out of an account that I set up when originally set up loan. There was no option to cancel the payment. I received an email thanking me setting up payment when I never set up a payment. I simply clicked on make a payment thinking that I'd have an option to set up a date but it automatically set it up for the day you click on make a pyament. That is wrong! I will mail the payment and don't wish to do any further business with this company. THey are unscrupulous and shady. If you fall late they do shady things to get you to pay like what I have described above. I so look forward to being done paying them off -- -six payments to go but this is wrong. So I file my complaint. Thank you.
Consumer complaint received 2021-03-20
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. (MS)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and XXXX distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank is lying about a charge. 

I noticed a {$3.00} charge on XX/XX/XXXX from TD Bank that I didn't recognize on my XXXX XXXX account. As TD Bank refused to tell me what the charge was for, I submitted a dispute with XXXX XXXX. I also filed a complaint against TD Bank # XXXX. 

TD is lying - they claim that the charge is a recurring transaction on my credit card that I authorized on XX/XX/XXXX. However, I never authorized such charge. And there have been no other XXXX payments to TD Bank since then. 

They also claim that the amount in question was on XXXX when in fact the transaction per my XXXX XXXX statement was on XXXX.
Consumer complaint received 2021-03-20
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. (FL)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed these disputes over 2 and half months ago giving a enough time for it to make it via the mail stream. At this time I still have received any results.
Consumer complaint received 2020-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (VA)

I reviewed my credit report and located this transaction in the amount of {$45.00}. I have never received a bill from this company and I'm concerned because I feel as though my HIPPA rights have been violated as well. I have never authorized to make payment to this company nor give them the option to bill me for any services.
Consumer complaint received 2021-03-20
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: Sequium Asset Solutions, LLC (NY)

On XX/XX/XXXX of XXXX, I noticed the presence of an adverse account on my credit report that I viewed from my banking application. According to the account, I owed {$160.00} to Sequium Asset Solutions, a company I had never heard of before. I knew that I did not owe any money to any agency, so I went to dispute the account. My banking application directed me to XXXX  to perform the dispute, but the account was strangely not listed at all on XXXX. I then noticed that the account originated on XXXX and began a dispute on their website. The charge was verified as incorrect and removed from my credit report within a few days time. I had thought that was the end of it until it remained on my credit report on my banking application, though the account was STILL not appearing on XXXX, so I had no way to remove it. 

Finally, on XX/XX/XXXX of XXXX I was able to see this account on my XXXX  report so I could dispute the account. I did so and I received the results of this dispute on the XXXX of XXXX, XXXX only to find that somehow they claimed that the account was correct. 

I am absolutely certain that I owe no money to this company. The only debt that I currently have is my student loans, which I am in the process of paying back, and whatever bill I have for my credit card this month, which I pay in full and on time each month and have never missed a payment. I have never owed any other money to any company and I do not know how this company even received my information. I have seen online that many other people have had this exact same issue with Sequium Asset Solutions claiming they owe money out of the blue, so I know that this is not an isolated incident to just myself. XXXX  has said that the company is somehow linked to cable/charter communications and I do not pay or subscribe to any sort of cable service. 

I would like this account removed from my credit report so I can put this issue behind and not have to worry about the long term consequences of having an adverse account on my credit history, especially when I do not even owe this money. As of right now, XXXX is the ONLY credit reporting agency of the three largest ( The other two being XXXX  and XXXX ) that still insist I owe this fee. That should be indication enough prove that this is a false claim.
Consumer complaint received 2021-03-20
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. (TX)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX Capital one Card inquiry on XX/XX/XXXX
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted They removed a card that was not suppose 2 please put it back on fcra violations
Consumer complaint received 2021-03-20
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. (NV)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-03-27
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. (FL)

TODAYS DATE:XX/XX/2020 XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XX/XX/2020 XXXX/XXXX  Reported : XX/XX/2020 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Financial Resources, Inc. (NH)

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied XXXX in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX  and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to  reinsert from this point forward.
Consumer complaint received 2024-08-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC (MT)

This is a complaint about a loan through my credit Union ( XXXX XXXX XXXX XXXX in XXXX, MT ) via a loan called XXXX. First of all, I never intended to take a loan with an adjustable rate. That must have been an oversight on both mine and my co-signor 's part. The predatory issues come in after graduation when they capitalized interest for the loan while I had 4 years left to go adding thousands of dollars to my balance. Then the interest rates go crazy and now this loan has ballooned from a {$380.00} dollar payment to over {$550.00} dollars .... all lining the pockets of a crooked company. I'm sure you'll tell me to refinance those loans to a fixed rate. Well, no kidding, except that the crux of this whole student loan racket is that my credit has tanked due to my debt-to-income ratio, effectively placing me in some kind of credit purgatory where I can't get above a certain rating to qualify for my own refinance. This XXXX loan is serviced by a company called XXXX XXXXXXXX XXXX ( XXXX ). I want this company held responsible for issuing predatory private student loans.
Consumer complaint received 2024-08-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (WA)

I currently have an account with Freedom Mortgage. Ive been going through the process of selling my house using the assumption loan option since XX/XX/XXXX and the assumptions department have yet to move to the closing phase. Theyve taken their time asking for additional unnecessary information from the buyers, refusing to speak with all parties involved at different points in time, not allowing me to speak with them directly, giving me the runaround, refusing to update me on the process, inaccurately denying the loan, not allowing us to file an appeal, I filed a complaint showing the underwriters alternative documentation that can be accepted instead of denying the loan, Ive filed multiple complaints and I am still getting nowhere. Just this morning the assumption department requested more information from the buyers and to me they will not update and just want to notify the buyer. I am XXXX XXXXXXXX as of XX/XX/XXXX living in the state of Washington with a wife and XXXX children and we plan to move to South Carolina so I need to be updated also so I can plan accordingly. Because the assumptions department will not give us a closing date I had to plan ahead and ship all my home goods to South Carolina so now my family is here in an empty house and weve spent our entire summer here. After the initial loan denial, the buyers were magically approved and the process began again. The buyers have been approved for over XXXX weeks and the assumption department and underwriting are still requesting additional paperwork from the buyers. My realtor spoke with the buyers and they have given the assumption department everything thats been asked of them and more. My loan officer blames underwriting for all the delays and additional information needed but takes no accountability for herself. The supervisor is the assumption department stop speaking to myself and never responds when my realtor reaches out and questions clarity on the requests of these additional documents. When I speak with inquiry representatives they say they dont work in the assumptions department but will notify them and nothing happens. The have all the information needed to approve the loan XXXX times over but keeps extending the process by requesting documents and ignoring us when we ask for updates and then requesting more documentation and now here we are nearly XXXX months later. At this point I see no other reason to why were being treated like this than discrimination and retaliation for me calling and complaining. All I want to do is finish this transition from the XXXXXXXX XXXX XXXX  and closing on this house is a big step. My wife and family still have to get jobs and enroll in a new school but we cant because were still stuck here in Washington. Ive explained all of this to the assumptions department and they dont care to look at the human side of things. Instead theyre toying with us by their actions as stated above.