davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (ND)

I have a couple of different loans through the loan company Navient, any time my payment is more than a few days late, they begin calling. They call from a variety of numbers, from various area codes. It hasn't been bad, until today, when I received Eight calls in a 24 hour period ... I would argue that it is harassment. I have since blocked their number, and tried to call them regarding the number of calls. They were closed, but the time I called them back. They have left voicemails in two of the last 8 calls. I'm curious if this meets the standard for harassing phone calls. Thank you.
Consumer complaint received 2020-02-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp. (FL)

In XXXX of XXXX I was in desperate need of a car and went to a " Buy Here, Pay Here '' lot in XXXX ; XXXX  XXXX. They financed the car through United Auto Credit Group for 2 years at $ XXXX/month. As I explained I was desperate and when I expressed concern about the payment XXXX  XXXX indicated I could refinance in 6 months. I signed for the loan made payments through XX/XX/XXXX. The last couple of months if I was unable to pay the entire {$850.00}, I would make sure to pay something, usually over {$800.00}. One day while at work they came and repossessed the vehicle because I was {$39.00} late ( by paying less than the total payment ) I was not given an option to get the vehicle back ; only to collect my belongings and the vehicle was sold at auction. United Auto Credit has been reporting since XX/XX/XXXX that I continue to owe them {$7200.00}, and have charged off the loan. I have requested the a reconciliation of all payments made by me, and the amount received when the car was sold at auction. I believe the money they are reporting is incorrect and is significantly effecting my credit score. 

I did contact them in an attempt to settle the debt and they requested 50 % or a little over {$3600.00}. As a result I am convinced they are inflating the amount owed on my credit report and as I stated I would like the reconciliation of my account and the amount received for the vehicle at auction.
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

30 days ago I sent a dispute letter to LVNV FUNDING LLC asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.
Consumer complaint received 2023-03-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (DE)

This complaint is in reference to Freedom Mortgages policy on holding checks cut for an insurance claim. I have a roof replacement claim through my insurance company. They approved the work and drafted a check however their policy is to include the mortgage company on any checks over {$7500.00}. Freedom has created a policy by which they hold the funds sent by the insurance company and will not distribute the funds until me, the customer provides them with a bunch of documents. Once those documents are received then Freedom will distribute a portion of the funds. A part of the delay is due to this department using an incorrect email to commute with me, therefore I was unaware that they wanted more documents. I only learned this through my own follow-up. No communication of contact from Freedom during this process. Final funds are not distributed until Freedom inspects that the work has been completed. My complaint is that Freedom only has a vested interest in the property and those funds are not theirs to hold. I get that Freedom is concerned that the work is done as again they have a vested interest however their process creates more delays and in fact caused more damage to the property, they have a vested interest in. How can it be legal for Freedom to hold and distribute funds that is not theirs? How can Freedom create a policy to hold funds that is not theirs? This feels unethical and even worse unlawful. Additionally, I have requested manager calls to which I have received none. Today I spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX all who just kept apologizing for their policy.
Consumer complaint received 2019-04-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (OH)

I deposited a check of {$2500.00} to my money market savings account at Ally Bank using their app on Sunday, XX/XX/2019. As of XX/XX/2019, the deposit was marked as approved, but the funds were not available. After getting no reasonable response from their chat feature I called them and they informed me that the check was still processing. And they could put in a request to expedite the process. On XX/XX/2019, they made only {$200.00} of the {$2500.00} available to me. I did not actually get full access to the funds until XX/XX/2019. I finally received an email from them explaining that the deposit was handled according to their policy on XX/XX/XXXX, so I assume that many other customers are having the same issue.
Consumer complaint received 2020-02-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (OH)

On XX/XX/2018 I went to several car dealerships to request for a car loan for used cars. It seems that Ally Financial ran my credit report and due to poor credit i was denied for my car loan and it seemed that it affected my credit report on XXXX  and I want to have that resolved immediately.
Consumer complaint received 2019-04-10
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. (CA)

I continue to request from all 3 Credit Bureaus verifiable proof which includes documentation with my signature after they have done their investigation. this has gone on for several months and they have not sent me anything. if an investigation has been done then they are REQUIRED by law to forward to me these documents that proves that what they are reporting is in fact true and correct, THIS IS FEDERAL LAW!!!! 

They continue to generate these generic letters stating that they verified however has not sent me documentation per my 6 written request. THEIR REPORTING IS INACCURATE.
Consumer complaint received 2019-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Xtreme Products LLC (AL)

I was told by the company XXXX XXXX XXXX that I could pay a certain amount for 6 months and after that my student loan payment would become XXXX dollars and be paid by them for 120 consecutive months. They also said that I qualified for the debt to income ratio as well. I paid them for 6 consecutive months and my student loans reported that XXXX dollar payments and current. Just this month I noticed that the student loan debt went up on my credit report and I decided to call to see what was going on and I learned that this was a fraud company. The payments I made were emailed to me by receipt. I would like to get a refund of the money that I paid to them because the services were not rendered.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

These accounts below have the wrong balance. 

Open credit card accounts View all accounts XXXX XXXX  Reported XX/XX/2018 278 % Balance : {$550.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2018 123 % Balance : {$240.00} / {$200.00} XXXX XXXX Reported XX/XX/2018 122 % Balance : {$240.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2018 78 % Balance : {$230.00} / {$300.00} XXXX XXXX Reported XX/XX/2018 55  % Balance : {$550.00} / {$1000.00}
Consumer complaint received 2019-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (SC)

On XX/XX/2019, I contacted National Recovery Agency in reference to the debt verification letter that was not received in a timely manner after it was requested. They stated that they had the wrong address and they were correcting it and resending it. I emailed them telling them I consider this verification untimely because it may not arrive in time to dispute the alleged debt, which the original creditor says was an error in their records and that I do not owe. NRA Group , LLC stated that they would continue to collect the debt. When asked for proof they were liscenced to collect denlbts in Illinois and the state of South Carolina ( or on a Military Installation, for that matter ) they refused to provide liscenced number and proof as a  registered debt collection agency. XXXX XXXX said the debt should not have been reported to collections. I am asking that the agency remove this information from my credit report as the alleged debt is now disputed and they have not verified the debt.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINCL XXXX XXXX XXXX
Consumer complaint received 2019-04-10
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. (CA)

one fradu account has been reporting under my equifax credit reporting agency and they are giving me a very hard time about this, i have disputed several times as fraudulent but they are not disputing correctly and are giving me a very hard time. 
i have been very upset and distressed and not been able to function properly, about this matter, i have also attached my police report and other docs, but yet not been able to have this taken care of. 
i will be attaching this FTC report and police report and identification.
Consumer complaint received 2020-02-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (KS)

my chapter XXXX bankruptcy was discharged. included in the bankruptcy was a title loan held by speedy cash of Kansas for my XXXX XXXX XXXX. Per the court filings I surrendered the vehicle to the company. Upon discharge of the bankruptcy I have contacted the company and they refuse to take possession of the vehicle and are still demanding payment. I request that speedy cash expeditiously retrieves the vehicle as of receipt and response to the this complaint or be charged ANY AND ALL APPLICABLE STORAGE FEES PAYABLE TO ME AND BE SUBJECT TO ALL REMEDIES AVAILABLE TO ME UNDER FEDERAL AND STATE STATUTES.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

This is the second complainT I am making as TD Bank responded to my complaint but did not resolve my issue. 

On XX/XX/XXXX I made an ACH payment to XXXX XXXX XXXX for a loan in the amount of {$4300.00}. When I looked at my account, I saw the funds were pulled so the next day I closed my account and opened another one for personal reasons. On XX/XX/XXXX, I received a call from the creditor stating they did not receive the money and it was sent back to TD Bank. I called TD Bank on XX/XX/XXXX inquiring about the money and I was given the run around for several hours. I was transferred to 4 different departments yet no one knew where my money was. I went to a branch on Tuesday, and a supervisor emailed the department holding my money requesting that they return it to my account. Still nothing. I called TD Bank today and now theyre telling me someone will get back to me in 24-48 hours. This is ridiculous. Its my money and theyre intentionally holding onto it for reasons I cant understand. I need that payment back as my next loan installment will be due in a few days. I cant understand why they cant just transfer the money back into my account. Ive been a TD bank client for 20 years, I have hundreds of thousands of dollars in multiple accounts with them and this is how they treat a loyal customer. 

UPDATE : The check that was mailed was mailed to the incorrect address and addressed to my company which is closed. Therefore I never received the check. I was told today that now its going to take 90 days for a stop payment on the check to be made. I don't have 90 days. I need the money back now. TD Bank confirmed with me my new address to mail the check out and they still mailed it to the wrong address. I was on the phone for over 3 hours today and I'm beyond furious. My next step is going to be withdrawing all of the money out of all of my accounts and moving to another bank. There's no reason why it takes 90 days for TD to return my money back to me for a mistake they made. The check needs to be mailed back to me, to the right address and made out to me, not my busines as they business is closed. TD Bank knew this information before mailing out the check to me.
Consumer complaint received 2023-03-06
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: TRUIST FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 USC 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 2019-04-10
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. (NC)

XXXX  ; XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX   XXXX XXXX  account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

XXXX  could not verify my identity when asked, very vague questions regarding my credit history ( which dates back to the XX/XX/1970 's ) they asked what my monthly payment was when I named my credit card bank. My answer ; I pay it off monthly it varies. He kept repeatedly asking, in broken english, what my monthly payment was? That was after he ( XXXX ) quizzed me on my SS # my address, Birthdate and various other personal information. I was only calling to inquire if my credit was still frozen, as I believed it should be. I have frozen my credit for years, however the thaw process has changed. They would not answer based on my responses. Now I am to send a copy of my SS Card, Drivers license, utility bill etc. No, I don't want to blindly send or fax those documents particularly given the XXXX Breach. How do I determine if XXXX still has my credit frozen per my instructions from previous dates.
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (KY)

During a marital separation which happened in XXXX of 2018, we fell behind in our mortgage payment by one month with Vanderbilt Mortgage and Finance. Now that I am the only one residing in the home, I tried to refinance to lower my mortgage payment and interest rate. After securing a loan, a three way call  was done to obtain the pay off price between XXXX XXXX, Vanderbilt and myself. shortly after, an agent from Vanderbilt, who gave his name as XXXX, called me to discuss a two month deal that would be tacked to the end of the original mortgage. Being retired and on a fixed income, I agreed still thinking of refinancing. Well, XXXXXXXX XXXX called and told me that now I was two months in arrearrage, thereby denying loan approval. 
Now Vanderbilt is trying to make me complicit in an improper increase in my mortgage payment, I will attach all pertinent papers and correspondences with this complaint. They have cashed and endorsed a refund check that was made out to both of us by an insurance company I dismissed. {$1500.00} they claimed to apply to an insurance company provided by them even though I obtained my own insurance with XXXX XXXX. It is illegal to have two policies and I told them that. They still have insurance added in my mortgage even though the policy was sent to them by XXXX XXXX. I feel as though they have stolen my money and have placed me in a position that added to me having to be hospitalized with XXXX related issues. How is it that they confiscated my refund check, say that it went to pay for a years insurance, increase my mortgage by 500 % when I am paying my own insurance. This is a " Predatory ''  lender and must be held accountable by some means, I have tried to reach out to a Mr XXXX XXXX, who was all so happy when we were in the purchasing process, to assist us.
Consumer complaint received 2023-08-17
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 (NJ)

I have a combination debit/credit card issued by my financial institution, TD bank where I have XXXX accounts since XXXX. 
During the entire month of XXXX, XXXX I was hospitalized for a XXXX XXXX XXXX XXXX XXXX XXXX. On the XXXX XXXX  XXXX I went online to check the status of my accounts and discovered numerous unauthorized purchases from XX/XX/XXXX to XX/XX/XXXX made with the credit capability of my debit card and deducted from my checking account by TD bank. That is when I realized my card had gone missing whereupon I called TD and reported the card missing, had that card canceled, requested a new one and began the dispute process. I waited a few days and checked my accounts and saw I had been issued provisional credit for those charges. When I was released from the hospital on XX/XX/XXXX I checked my accounts again to discover my dispute had been denied on the grounds that I had either charged the items myself or had authorized someone else to. That is ludicrous! I was stuck in a hospital bed in XXXX, NJ, while these charges were made from XXXX to XXXX and XXXX New York! I'm now told by customer service that if I officially lodge a dispute a 3rd time and denied they will close the case. Please help.
Consumer complaint received 2019-04-10
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: Experian Information Solutions Inc. (CA)

I continue to request from all 3 Credit Bureaus verifiable proof which includes documentation with my signature after they have done their investigation. this has gone on for several months and they have not sent me anything. if an investigation has been done then they are REQUIRED by law to forward to me these documents that proves that what they are reporting is in fact true and correct, THIS IS FEDERAL LAW!!!! 

They continue to generate these generic letters stating that they verified however has not sent me documentation per my 6 written request. THEIR REPORTING IS INACCURATE.
Consumer complaint received 2024-02-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (IL)

I XXXX  with my XXXX XXXX in XXXX of XXXX, my XXXX loan company gave me a grace period until XXXX of XXXX. I was still struggling to pay my monthly payments of {$300.00}. I contacted the company in XXXX of XXXX and asked what I could do and they stated they would give me until XXXX of XXXX to start paying my loans. Since this period of XXXX XXXX XX/XX/XXXX, my XXXX loan debt has increased to about {$30000.00}. I have recently contacted the company and asked why my balance had increased so drastically when they communicated that I would be in a grace period. The only response I received was due to interest rates, which is something they did not communicate with me over the phone about last year. My XXXX XXXX payments went from {$300.00} a month to now {$2000.00} a month.
Consumer complaint received 2023-08-17
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: SYNCHRONY FINANCIAL (FL)

ve Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. 
Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. 
While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. 
For Accounts : XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX SYNCB/XXXX Account XXXX Company Name : Synchrony Bank XXXX XXXX, XXXX. 
Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX Cred.Ai In accordance with the Fair Credit Reporting act XXXX Account # 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