davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TOLEDO FINANCE CORPORATION (TX)

My fianc was involved in an auto accident that has had him out of work since XX/XX/2018 and just recently had XXXX. I have been struggling to pay both of our bills with only my own income and I have informed all mine and his creditors about this. Toledo finance has called both of our phones multiple times a day and the manager, XXXX XXXX and others that work there have left harassing, threatening calls on both of our voicemails. They have also called my job multiple times and were told on several occasions that they are not allowed to contact me at work by myself, other coworkers, and even my boss. Yesterday, XXXX called again and was very rude to my staff and was very demeaning and demanded that she talk with me. After being placed on hold, she immediately called right back and yelled at my staff. She then came up to my job while I was at lunch and demanded them to give me paperwork and that I call her back immediately or else. Due to this, I was sent home for the rest of the day when I got back from lunch. This is very unethical and unfair practice. I had already sent letters to all my creditors last week explaining again our financial situation and asking that they all be patient with me. I have been in major emotional distress and even had to seek medical attention behind this. XXXX coming to my job and disrupting my place of employment yesterday by making the harassing phone calls, just added to that distress. This needs to be stopped and she needs to learn how to have a little compassion. Prior to the accident we always paid our bills on time. I just don't feel this is right and should be stopped before I end up losing my job behind it and then I really won't be able to afford to pay anything. Thank you for your time.
Consumer complaint received 2018-09-06
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. (WY)

TRANSUNION CREDIT REPORT : Report is showing the account XXXX XXXX XXXX with a Balance of {$100.00}. This account has had s XXXX  balance since the beginning of XX/XX/2018. It is showing correctly in the XXXX file. 
I have attempted to contact them and yo fill out their online dispute form but no success. I even emailed XXXX XXXX who instructiontef me to contact TRANSUNION directly and if no success file a complaint with you. I was unable to get in touch with TRANSUNION. I will attach a copy of the Statement for proof. Thank you
Consumer complaint received 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Penn Credit Corporation (FL)

This bill was paid thru the original creditor - XXXX XXXX for {$510.00}. 

Penn Credit refuses to take their name off my credit report because we did not pay them but instead paid the creditor directly and it has been paid in full for a long time. I have called numerous times and explained that they shouldnt have their name on my credit report and the account was paid with the original creditor and they refuse to take their name off my credit. 

This account needs to be removed. 

Thank you.
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I opened a checking account with Golden One Credit Union on XX/XX/XXXX. I funded it with {$100.00} then on XX/XX/XXXX I deposited a cashier 's check for {$4000.00}. I waited and waited but never did receive my bank card. So, on XX/XX/XXXX, I called Golden One and they told me that they had sent out the card already. Then they told me that it had already been activated and used, all {$4100.00} had been withdrawn/spent. I filed a police report and filled out Golden One 's fraud paperwork. Golden One gave me a temporary credit, then they reversed themselves and said that I owed them {$4100.00}. They then sent me to a collections company called The XXXX XXXX XXXX. I sent them a copy of the police report. They then sent me a letter on XX/XX/XXXX stating : " Based on the information that you have provided, the original creditor and our company do not consider your dispute valid and therefore the collection process will continue ''.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to a dealership to purchase a car and told the dealership to only run my credit through them. Come to find out my information was spewed everywhere with a lot of hard inquiries. As well I have accounts without any knowledge and without my permission. 
XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  FL XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXXXXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX/Georgia XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (LA)

I was on paypal account and they offered me a credit line I read the info It said if approved use immediately an can be used at many stores also XXXX. I got approved the XX/XX/XXXX an it declines me EVERYTIME. I've called 10plus times they all say you have available funds it's the merchant call them. Well again I CALLED today an was told I had to add bank account to XXXX an use for all purchases for months to prove. I'm a good customer then they will stop decling credit .they ran my credit dropped my score 12points so I told them close it they haven't. I also got ebay mastercard same bank syncbank. An paypal is also in control of it I had no clue. They claim use anywhere mastercard is accepted. But it will not work either also dropped credit score.  I've called so many times I get transferred 3 or more times nobody will explain why I can't use it. It's fraud an false advertising. They also ran my credit 2 times while back for XXXX card I had no clue I was applying for told them close acct they didn't an it is not usable either. Reports of same issues all over XXXX reviews. They are scamming an DESTROYING PEOPLES CREDIT. I had a score in 700s now it's down 670s because of them. They run credit without approval if u ever apply for acct. Help
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I leased an XXXX XXXX XXXX through XXXX XXXX that was due back in XX/XX/XXXX. Prior to having to return the car, a tree fell and damaged the vehicle. I worked with my insurance company to repair the vehicle. 

In the meantime, while I waited for the repairs to be completed and for XXXX XXXX to ship a back ordered part to the mechanic, I extended my lease from XXXX to XXXX, then XXXX, and then until XX/XX/XXXX, until I returned the vehicle on XX/XX/XXXX. 

There was confusion on behalf of Ally regarding my extension from XXXX until XXXX, but after speaking with XXXX XXXX XXXX, she confirmed that I would have an extension from XXXX XXXX XXXX like I originally requested and I would pay the {$530.00} for the monthly lease. I received the documents and immediately signed and turned them over in 11 minutes on XX/XX/XXXX. A bill was then sent to me dated XX/XX/XXXX. 

Subsequently, I was informed that XXXX submitted information to the Credit Bureau that I was 60 days late on paying the bill and also charged her a late fee in addition to the monthly lease amount for XXXX XXXX XXXX 

Ive tried to reach XXXX multiple times, Ive sent them letters and Ive called only to be disconnected. No one is providing any sort of assistance. 

I was never late making any payments. The information reported on my credit is false. Ive not received any assistance from them to properly finalize the end of my lease. Ive had the worst service with them and would never use them for any financial services again.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/2020, I discovered fraudulent entries on my credit report and took action immediately by contacting all credit card and loan companies involved, as well as the police, the Federal Trade Commission, and all the credit bureaus. Equifax told me that a hard inquiry on my credit report by XXXX XXXX will be removed from my account when XXXX XXXX informs Equifax that the entry is fraudulent. 
On XX/XX/2020, XXXX XXXX 's Customer Fraud Protection Agent XXXX sent me a letter stating, " I've sent updated information to the credit bureaus for them to remove this XXXX XXXX account from your credit file '' ( Letter attached ). 
I followed up with Equifax in XX/XX/2020 and was told it can take up to 60 days for the hard inquiries ' removal to reflect on my credit report, be patient. After 90 days passed, on XX/XX/2020, I followed up with Equifax again, and spoke with Customer Service Representative Clark and Equifax Fraud Department Representative XXXX. XXXX said Equifax would have taken action if XXXX XXXX sent information to Equifax that the entry is fraudulent. XXXX confirmed the hard inquiry still shows on my credit report, which XXXX said means XXXX XXXX never sent the information to Equifax. I again called XXXX XXXX, and XXXX XXXX again reiterated that they sent the information to all three credit bureaus as stated in XXXX. Equifax and XXXX XXXX agree that XXXX XXXX is a well-established company that knows how to properly send information. Yet Equifax insists that XXXX XXXX somehow failed to send the information, while XXXX XXXX insists they did sent it. Also, from checking my account on all three bureaus, XXXX evidently received the info and took action, but Equifax did not. XXXX XXXX said they send information to all three credit bureaus the same way at the same time, so XXXX  's action proves the info was indeed sent. I called Equifax back on the same day to communicate what XXXX XXXX again confirmed, but Equifax continued to deny that they ever received such information. 
Attached with this complaint is the letter from XXXX XXXX from XX/XX/2020, and a screenshot from the Equifax website showing the hard inquiry is still there.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX-XX/XX/2016.
Consumer complaint received 2019-05-05
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. (FL)

This account was previously removed by all three credit agencies equifax, XXXX and XXXX.There is someone with a similar name as mine and some of there credit items are being reported on my credit report, this item was removed from my report and placed back on my report without my knowledge.I was not notified that this was placed back on my report nor did I received verification or validation that I asked them to send me verifying that this is my account so the account was removed.Then it was later placed back on my report. 
Agency : XXXX XXXX Original creditor : XXXX XXXX XXXX balanceXXXX account # :XXXXxxxx
Consumer complaint received 2019-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have been receiving incorrect statements from Bayview since XX/XX/XXXX. I have emailed XXXX XXXX requesting corrected statements and she emailed XXXX XXXX apologizing that she had not replied and that she would look into it but I have not received a reply to my emails nor a corrected statement. 

Bayview has sent incorrect statements before but they have researched them and corrected them in a timely matter. This time it's been months. I have had to file a government complaint before. 

I am demanding in writing that Bayview corrects the statement. I have always paid extra each month and I pay at the end of each month. The statement should reflect that my account is current with XX/XX/XXXX payment owed. I send all payments overnight with tracking like I do all payments. XXXX payment will be mailed XX/XX/XXXX. I requested via email to XXXX XXXX to please notate the account.
Consumer complaint received 2018-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc. (TX)

I got this loan due to a need to get groceries and now I am having trouble paying the loan back as I am on ssi but they automatically take payments out of my bank account every month. I did an online chat today and asked about getting another loan after paying off my current loan and then asked if some of the fees for my current loan could be waived. Here is their answer : You are connected. 
me : I was wonder if when I pay off my loan, if i reapply for a new loan if they fees are less or not? 
XXXX  : Welcome to XXXX. My name is XXXX. How may I help you today? 
me : I was wonder if when I pay off my loan, if i reapply for a new loan if the fees are less or not? 
XXXX : I can take a look at your account and assist you. 
XXXX : Before we proceed I need the telephone number that is associated with the account and your state of residence. 
me : XXXX me : Tx XXXX : Can I get your first and last name please? 
me : XXXX XXXX XXXX : XXXX I please verify the laXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  month and year of your birth? 
me : XXXX XX/XX/1981. If you just said all that in XXXX XXXXe it would've been quicker. 
XXXX : Thank you. You need to payoff your existing loan before you can apply for another loan and yes there is always fees and interest to reloan. 
me : I know that I was not asking about my current loan, I just wanted to know, if I did or when I do decide to apply for another loan if the fees are less than in my current one  or not. 
XXXX : It's gon na be the same rate. 
me : Ok, then I will not apply for a new one when I pay off my current loan. 
XXXX : Alright. have a great evening. 
me : Is there any way I could waive some of the fees or one payment? 
XXXX : The payoff amount as of today XX/XX/XXXX is {$170.00} and I am unable to waive the fees. 
me : ok. 
Here is the payment schedule and dates for my current loan : PAYMENT SCHEDULE No. Payment Date Payment Amount 1 XXXX {$100.00} 2 XXXX {$100.00} 3 XXXX {$100.00} 4 XXXX {$100.00} 5 XXXX {$100.00} The amount of the loan was only for {$220.00} and I feel all these fees are way too much and they aren't even reporting it to any of the credit bureaus.
Consumer complaint received 2023-03-18
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. (GA)

In accordance with fair credit reporting act. 
The list of accounts below has value 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish account, without my written instructions.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, other than records of convictions of crimes Which antedates the report by more than seven years.15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable call to believe that the information is inaccurate.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

In a recent credit report from Experian, they continue to show a tradeline that has been paid off and closed for over 4 years. The tradeline in question is XXXX XXXX XXXX,   XXXX,, opened XX/XX/XXXX, closed, XX/XX/XXXX, hi credit was {$12000.00}, it shows on report, past due, XXXX, account closed at customers request as agreed. XXXX   XXXX XXXX ASSURES me they have reported to all 3 bureaus that this account has been paid in full and the account was closed at customers request. I would like this item removed permanently from my credit report because as it is shown, it affects my debt to income ratio. Thank you for your help ....
Consumer complaint received 2018-08-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (IA)

I encountered significant hardship in the last year : became a single mom ( no child support ), closed two of my businesses, and suffered extreme financial hardship. I applied for loss mitigation over 6 months ago ( immediately when I fell behind my second missed mortgage payment ). With a ton of back and forth, constant follow up, I finally received a letter today that was dated XX/XX/18. Saying I did not quailify. They did not specify a reason, or date of foreclosure. Im desperately trying to save my home for my XXXX year old son and myself, to keep a roof over our head, and I have tried making payments but they have been sent back. They are demanding I pay {$13000.00} in full and I do not have that.
Consumer complaint received 2018-09-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

On XX/XX/2018, I was told that I could not make my {$720.00} payments lower because MY COSIGNER made too much money. My co signer called to try to explain to them that I'm paying for my student loans, and then she too tried to get the payments lowered but told her they saw that she took out a XXXX car loan so they would not be lowering the payment.
Consumer complaint received 2019-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA sent me a fraud alert on Saturday, XX/XX/XXXX to notify me that someone may have made an unauthorized transaction on my debit card ending in XXXX. Indeed, someone completed an unauthorized transaction on my card at XX/XX/XXXX. The amount was {$160.00}. 

I called USAA on Saturday, XX/XX/XXXX to ask for a new debit card and to report the transaction as fraudulent. On XX/XX/XXXX, the bank emailed me to let me know they had determined the transaction was not fraudulent. This seemed strange to me the bank had just emailed me a day before to let me know of this unusual ( and fraudulent ) transaction, and now they were determining it was authorized? 

To make this transaction even more unusual, an unauthorized transaction was also completed on my credit card on the same day at the same XX/XX/XXXX. ( The dispute for that credit card transaction at the same XX/XX/XXXX has not been resolved yet. )
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX CARD XX/XX/XXXX {$6800.00} XXXX XXXX XXXX  XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00}
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

I transferred money from my IRA to my checking account both at Bank of the West. BoW failed to transfer the funds and wrongfully dishonored three checks. B o W did reverse fees but refused to compensate me for costs incurred and damages suffered.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX CARD XX/XX/XXXX {$6800.00} XXXX XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00}
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$8400.00} ; XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  {$11000.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.