davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

This is about the 7th time my loan has been sold and now it has been sold again to the rinky dink operation  Loancare , LLC. I have a 15 day grace period on my loan and paid my loan on the XXXX through their website and was charged a {$10.00} fee because it was 10 days after my due date. Isn't this considered a late fee? I emailed them and this is the response I received : Reference number : XXXX Please use this ticket number in any correspondence with us. 
Subject : Fee Inquiry Dear Valued Customer, Thank you for contacting us.

Our payment fee schedule is as follows : On the website : On or before your due date No fee 1-4 days after due date No fee 5-9 days after due date {$5.00} 10 days or more after due date {$10.00} Over the automated system : {$12.00} All loan payments made with a live agent will be assessed a {$15.00} fee regardless of the date of payment. 

Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. 

Customer Support PO Box XXXX XXXX  XXXX, VA XXXX ********************************************************************************************** The contents of this email and any attachments are confidential and are intended for the named recipient ( s ) only. If you have received this email in error, please notify the sender immediately and delete the message without making copies of or forwarding it to anyone other than the sender. 
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Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I have XXXX late payment on an account that I was never late for. XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-04-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (AZ)

In 2022 I found out my cousin wasn't paying on this vehicle. So I went ahead and paid the 3mo owe however its been 1yr I've been paying on it. There saying the vehicle was repo but it never has been they have it as a Charge off on my cridet report when I ask for my payment history it doesn't show on my credit at all its showing I have negative payments but I don't. I've ask them to help me out so I can trade in the vehicle the dealership has try to help me and nothing is happening I need help
Consumer complaint received 2024-04-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY (AL)

On or near XX/XX/2024, I tried to open a high interest savings account at American Express XXXX XXXX XXXX XXXX XXXX  The company sent me to a page stating " account under review '' with no other explanation or communication, not even an email!
Consumer complaint received 2022-05-30
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. (GA)

I have a number of incorrect factors being reported on my credit report. Student loans are reflecting information that shouldn't be. Please verify data on each. I've disputed several times and it keeps coming back, by credit reporting agencies that the information on my credit report is verified. I know this is not accurate and would like a verfication and removal from credit report. Of course I could list all consumer protection codes/laws that protect me and my credit profile from this wrong data, but you already know each one.
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I opened a consumer credit card with Synchrony Bank headquartered in XXXX Utah. For over 2 years there has been no problem then I have had incorrect charges to my account. I've tried repeatedly to call them and I am unable to reach a human being, only automated lines. This type of communication is unable to assist me at all. I have also been able to reach call centers located in the XXXX but these employees are unwilling or unable to assist. I need to reach a HUMAN BEING in the USA to discuss errors with respect to charges on my account.
Consumer complaint received 2019-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Following a review of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies, I determined that said reports contained a XXXX XXXX XXXX mortgage loan - under account number XXXX - that was closed more than seven years ago. I initially disputed the account as antiquated to no result. Not only did XXXX XXXX XXXX ignore and reject my complaint, they did not respond to my complaint at the credit reporting agencies. 

I filed separate disputes to XXXX, XXXX and TransUnion. Each dispute was summarily rejected as frivolous. The negative and antiquated XXXX XXXX XXXX account remains on my credit report.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I two issues with us dept of education I filed bankruptcy in XXXX to only one bureaus XXXX and when I was doing my paperwork last year for the forgiveness program I was informed I was in bankruptcy I challenge them and when I call them and ask why am I in bankruptcy still and my full discharge was in XX/XX/XXXX. The person on the phone said my bad we forgot to remove you so then they did the most unethical thing they deleted the XXXX entry from XXXX and now is blank because they know they could not enter it twice so they reported my bankruptcy date as of XX/XX/XXXX this is wrong report and needs to be deleted this drop my point by XXXX points and I want them put back or we will be in court about my credit profile. 

I applied to go to XXXX XXXX that was in the XXXXXXXX XXXX they then change their name to XXXX XXXX I never went to the school because I found out I was XXXX  and could not attend. At that time was when paper checks were being issued they returned XXXX of the loan an never returned the rest no this has ballooned out of control I have been saying this for 25 years. Then come to find out this was predatory school and they are now closed when I ask for transcripts if I went there they could never produce them. How I found this out was went back to school in XXXX at XXXX XXXX I was granted full financial aid and then when the spring semester came about they told me I did not qualify for financial aid because I had a defaulted student loan from XXXX I ask them where this loan has been for all these years and I had a very common name XXXX XXXX Then I was XXXX XXXX my first husband I have applied for the forgiveness and it has been a year now no word. They have repeatedly sold this loan again and again and a lot of this is interest and lots of offsets. I disputed this with the Bureaus since last year
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (OH)

Despite multiple CFPB complaints Discover still has not closed my account and has failed to cease and desist in illegally monitoring my loan and credit activity through XXXX. This monitoring is illegal and unauthorized. RE CFPB complaint # XXXX, Company responded on XX/XX/2019 : " As per your request, we have updated our records to ensure that you will no longer receive the SSN/New account alerts that you had previously activated. ... XXXX XXXX XXXX Executive Office of Customer Advocacy Enclosure ''. 
However as you can see from the attachment Discover still has not closed my account and continues to monitor my loans and credit activity. This is blatant harassment and illegal. XXXX apparently either Discover employees are incompetent or Discover is thumbing its nose at the CFPB and the consumer. Highly vindictive XXXX. I encourage the CFPB to initiate a class action.
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want my profile to be In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 All credit inquiries Apartment complex in MI XXXX, has violated my rights. Per 15 U.S.C 1681 section 602 A. I have the right to privacy. Per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer, It states a consumer reporting agency can not furnish a account without my written instructions. They do not have my written instruction. Per 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Per 15 U.S.C. 1681s-2 ( A ) ( 1 ) ... .shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-25
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. (TN)

There is no such entry of record # XXXX from the United States Bankruptcy Court for this account in my name. 

I have certified documentation from the United Stated Bankruptcy Court that supports my dispute of this erroneous entry on my report. 

If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )
Consumer complaint received 2024-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

Aidvantage has taken inappropriate action on my student loan account without my consent that adversely impacts my repayment status and interest rate reduction status. 

On XX/XX/XXXX Aidvantage incorrectly canceled the auto-pay on 4 of my loans ( XXXX, XXXX, XXXX, and XXXX ). As shown in the attached correspondence, customer service agent XXXX terminated the auto-pay in response to my request for help deleting an old bank account on my profile that was not enrolled in auto-pay. The agent should not have taken this action. For clarity, all of my loans have been enrolled in auto-pay using a different bank account since repayment resumed in XX/XX/XXXX.
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (GA)

XXXX XXXX XXXX Is giving radius XXXX XXXX my business info ( XXXX XXXX XXXX ) for debt collection when I owe no debt to either party involved. I attempted to purchase devices from XXXX XXXX XXXX and never received them. Radius is now collecting on fraudulent circumstances
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I two issues with us dept of education I filed bankruptcy in XXXX to only one bureaus Experian and when I was doing my paperwork last year for the forgiveness program I was informed I was in bankruptcy I challenge them and when I call them and ask why am I in bankruptcy still and my full discharge was in XX/XX/XXXX. The person on the phone said my bad we forgot to remove you so then they did the most unethical thing they deleted the Experian entry from XXXX and now is blank because they know they could not enter it twice so they reported my bankruptcy date as of XX/XX/XXXX this is wrong report and needs to be deleted this drop my point by XXXX points and I want them put back or we will be in court about my credit profile. 

I applied to go to XXXX XXXX that was in the XXXX XXXX they then change their name to XXXX XXXX I never went to the school because I found out I was XXXX  and could not attend. At that time was when paper checks were being issued they returned XXXX of the loan an never returned the rest no this has ballooned out of control I have been saying this for 25 years. Then come to find out this was predatory school and they are now closed when I ask for transcripts if I went there they could never produce them. How I found this out was went back to school in XXXX at XXXX XXXX I was granted full financial aid and then when the spring semester came about they told me I did not qualify for financial aid because I had a defaulted student loan from XXXX I ask them where this loan has been for all these years and I had a very common name XXXX XXXX Then I was XXXX XXXX my first husband I have applied for the forgiveness and it has been a year now no word. They have repeatedly sold this loan again and again and a lot of this is interest and lots of offsets. I disputed this with the Bureaus since last year
Consumer complaint received 2019-05-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I took out a title loan of {$2100.00} in XX/XX/2018. My payments are {$380.00} per month and I have made 3 payments. When I am 1 day late on my payment, they will call me and threaten repossession of my vehicle. 

I asked for a payoff amount today and it was for almost {$3500.00}! This seems so outrageous to owe more than double the loan amount after only 5 months.
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX  US DEPARTMENT OF EDU # XXXX 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
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: Experian Information Solutions Inc. (NC)

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (NC)

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-18
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: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit Management ( MCM ) does not have written consent pursuant to 15 USC 1681b based on my credit as a result of identity theft. MCM has failed to produce the original contract with my signature, original creditor information and full payment history pursuant to FCRA Section 604 and 609 and has initiated litigation that was subsequently dismissed.. Consequently, XXXX reflects inaccurate information including personal information. My birth name is XXXX XXXX XXXX and married name is XXXX XXXX XXXX XXXX. Please delete any other references and addresses as they are not mine e.g. 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MTR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-12-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Elevate Recoveries, LLC (TX)

My former insurance carrier ( via my parents ) was not billed for services when I received medical treatment at XXXX XXXX in XXXX, Texas ( XXXX ). Instead, the facility listed me as self-pay when my valid insurance information was provided. The former insurance XXXX, XXXX XXXX XXXX  ( XXXX ), refuses to take calls or correspondence regarding prior coverage, although they were the active carrier at the time services were rendered. XXXX  is also known for not changing emergency visits to in-network to avoid paying valid medical expenses, since when seen in urgent or emergency care, you have no control over the network a physician uses for billing. My parents have also had difficulty with XXXX  not paying bills or taking calls, since my mother 's employer chose another carrier, but, in this case, I have no record that they were ever billed.

Elevate Recoveries placed a collection on my credit report, listing a different creditor than the facility that I visited, but for the same bill amount. I also deserve to be treated fairly by Elevate Recoveries, XXXX  and XXXX-XXXX, and should only be responsible for any remaining balance after my insurance pays based on my family 's coverage at the time of service. Additionally, XXXX-XXXX  did not advise me that I would be billed a premium totaling approximately 20 % more ( {$210.00} ) for visiting the 24-hour facility late at night.
Consumer complaint received 2022-12-18
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)

I want my profile to be In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX All credit inquiries Apartment complex in MI XXXX, has violated my rights. 

Per 15 U.S.C 1681 section 602 A. I have the right to privacy.

Per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer, It states a consumer reporting agency can not furnish a account without my written instructions. They do not have my written instruction.

Per 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Per 15 U.S.C. 1681s-2 ( A ) ( 1 ) ... .shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.