davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMMUNITY FINANCIAL SYSTEM, INC. (PA)

I have a loan from XXXX XXXX Bank, now Community Bank in NY. It's for a usedXX/XX/XXXX. I want to pay it off. I have 23 payments left. XXXX is the monthly payment. The bank is telling me the payoff is XXXX as of XX/XX/17. That is a total of the monthly payments. I have called 3 times requesting the principal balance and I keep getting told the XXXX is what I owe to pay off the loan. I thought maybe they already got all of their interest in the way the payment was setup. That is not the case. Their website and the 3 people that I have talked to tell me the same thing. There is nowhere on the site to pay the principal. I'm being forced to pay interest on a loan I can payoff now. I know if I just make a large payment, it will be applied as if I'm just paid ahead. Not reducing the principal balance whereby reducing the amount of interest.
Consumer complaint received 2018-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

My loan information has disappeared on the website of my loan servicer XXXX XXXX. Their phones are never answered and each time I call there is a recording stating they are experiencing high call volume and to leave a message. Calls are never returned. It is impossible to get information about the status of my loans or any information whatsoever. I note that there are hundreds of complaints from other borrowers about this company. We are desperate and need help.
Consumer complaint received 2015-04-27
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SECURITY FINANCE CORP (TN)

I have a Man coming to my house saying they are going to have me arrested if I do n't pay so much to them on a loan from Security Finance Company of Tennessee. I am Filing Bankruptcy with XXXX XXXX Attorney of Law in XXXX.
Consumer complaint received 2018-12-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: QUALITY ACCEPTANCE LLC (CA)

I bought a XXXX XXXX and the car salesman lied to me and said it was a good economical car and it was completely the opposite. I notified the financial institute ( Quality Acceptance - XXXX XXXX, XXXX and XXXX of this occurrence. It cost me nearly a 1000.00 a  month insurance, car payment and gas. The finance company made the dealer take buy back the loan and I gave the car back. I have gone to a million dealers that say they use them because I was going to get the same loan and now I have a million inquiries, low credit score, the financial institute does not respond to my emails, they do not respond to the car dealers and I'm without a car for over a month. Please help. This is an injustice
Consumer complaint received 2016-10-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (ID)

Previously had a loan with Wells Fargo Dealer Services. Due to unexplained, exaggerated, and unnecessary fees and charges, I elected to service through another institution. I no longer have a loan with this bank. It was bought out two weeks ago. 
Wells Fargo Dealer services continues to call and harass, nevertheless. They will not take incoming calls, leaving instead a very untruthful statement about the effects of hurricane XXXX on their call center. 
They refuse to stop calling and this must stop. Wells Fargo has a well documented history of very unsavory and unethical practices. Why are they continued to be allowed?
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

ORIGINAL COMPLAINT : I am reaching out due to ongoing issues I am having for an order that was canceled on XXXX.I have submitted 2 disputes with synchrony bank about this, went into the store in XX/XX/2021 and this has yet to be resolved. Not to mention multiple contacts via phone with Ashley corporate and the local store. On XX/XX/2021, sale orders # XXXX for {$2600.00} and # XXXX {$3500.00}. were placed in my name with a new Ashley credit card, following pressure sales of furniture and insisting items needed to be ordered early to ensure " they would be ready '' ... ..The items were ordered for my boyfriends new home, which he was closing on on XX/XX/2021. We were told that when he closed, we could go back to the store, cancel the orders in my name and REORDER everything in HIS name with a NEW card for him, as he was not able to open credit due to a pending mortgage. On XX/XX/2021, WE BOTH went to the XXXX XXXX XXXX store and completed the task of CANCELING ORDERS # XXXX and # XXXX. All items ( except the dining table ), were REORDERED and PAID with NEW CARD in my ex ex 's name ; order # XXXX for {$4000.00} and # XXXX for {$2900.00} Items were delivered as schedule to his NEW home in Connecticut on XX/XX/2021. He has been paying for the items under his Ashley Synchrony account on time, with no issues. MY Synchrony account should have NEVER been charged, as the orders were CANCELED from my name. The store verified orders were canceled, and despite the 2 disputes I submitted, I am still being charged and it is taking a hit on my credit. I ask that this be reviewed further and corrected immediately. I would appreciate prompt attention to this matter as this is a fraudulent charge that I did not approve or consent to. This was also be filed with XXXX. 

FOLLOW UP : My previous complaint was ignored and closed. 
I am reaching out to follow up on the multiple disputes submitted due to incorrect charges. After all the disputes, I went to the XXXX XXXX store in person on XX/XX/2021 and spoke with XXXX about the matter. All the documents were received in depth. Copies of the documents were made and kept in the store to support the resolution of the matter. XXXX confirmed the errors and told me that he reached out to accounting numerous times to resolve the issue. 
Apparently, he has not had any luck in getting a response. He advised me to reach out to this email ( XXXX ). 
I would appreciate it if this is settled immediately. This has been going on since XX/XX/2021. I have already disputed with Synchrony, XXXX XXXX, XXXX and Consumer Affairs. The only other step is to get a lawyer involved due to longevity of the matter and the impact on my credit report. 
At this time, it is confirmed that XXXX XXXX 's card was charged for the items : meaning- the charges on my card need to be removed.
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

During a loan application with XXXX XXXX  made by my son and me, it was discovered that when you put in his name and his social security number, Equifax , Inc. generates my credit report while a report for him is seemingly non-existent. XXXX XXXX  uses an intermediary to get reports, XXXX XXXX XXXX XXXX, and the company from which the report was requested is Equifax. 

This problem is ongoing since early XX/XX/2019. Both of the above entities have been contacted but neither seems eager to help resolve the issue. At one point, we were told we would receive " paperwork '' to begin the corrective process but after a couple of weeks, none has been forthcoming. 

For me, there are privacy concerns. My credit report is being sent when I have not specifically requested it. For my son, he should have a legitimate credit report of his own but does not. 

Of concern now is that in spite of the fact Equifax has an awareness of the problem, they willfully breach my privacy and send it anyway. 

As always, Equifax is difficult to reach and unresponsive if someone accidentally answers the phone. It is the usual XXXX : they make a mistake and the burden falls on the little guy to try and fix it.
Consumer complaint received 2022-06-19
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. (VA)

XXXX XXXX XXXX XXXXXXXX mortgage incorrectly credited a payment to principal and then reported a 30 day late, when in fact, they had the payment and a I had sent a second payment once I was notified ( only via XXXX XXXX almost at the 30 day limit ) so they had a double payment. I am on a credit monitoring service. I complained to both the monitoring service and XXXX XXXX. I have tried spending hours on the phone to get no where with XXXX XXXX. Their customer service is rude. I have uploaded the complaint letter and documentation to this website. XXXX XXXX never even acknowledge receiving my complaint. In frustration with them, I paid that mortgage off and now that account is closed. I would like to get my XXXX credit score back. Their reporting has dropped my score to XXXX. Please help me fix this error which XXXX XXXX will not even acknowledge.
Consumer complaint received 2022-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I Have An XXXX and every time I go to fill out an application for one of there XXXX credit cards There continuously sending me back a denied letter based off information thats not even in Any Of My Credit report theyre literally using the same Credit information from like two years ago exact same credit report that I had two years ago I worked on my report and got everything in there fixed
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (FL)

I lived in the retreat XXXX for two years, I was never notified by this company that I owed them any money upon leaving the complex. 9 months go by and I see a pro collect account on my credit score which dropped it, I later received by mail their letter stating that I owe money. I called and attempted to settle the collection by paying half of it, she refused to take the money, or would she send anything to the credit companies letting them know I was never contacted about these fees from the retreat or them. I would like this complaint, to get this collection removed from my credit because I feel they are using my credit line to collect money from young college students.
Consumer complaint received 2022-06-19
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. (VA)

XXXX XXXX XXXX  XXXX mortgage incorrectly credited a payment to principal and then reported a 30 day late, when in fact, they had the payment and a I had sent a second payment once I was notified ( only via XXXX XXXX almost at the 30 day limit ) so they had a double payment. I am on a credit monitoring service. I complained to both the monitoring service and XXXX XXXX. I have tried spending hours on the phone to get no where with XXXX XXXX. Their customer service is rude. I have uploaded the complaint letter and documentation to this website. XXXX XXXX never even acknowledge receiving my complaint. In frustration with them, I paid that mortgage off and now that account is closed. I would like to get my XXXX credit score back. Their reporting has dropped my score to XXXX. Please help me fix this error which XXXX XXXX will not even acknowledge.
Consumer complaint received 2022-06-19
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. (VA)

XXXX XXXX XXXX XXXX XXXX incorrectly credited a payment to principal and then reported a 30 day late, when in fact, they had the payment and a I had sent a second payment once I was notified ( only via XXXX XXXX almost at the 30 day limit ) so they had a double payment. I am on a credit monitoring service. I complained to both the monitoring service and XXXX XXXX. I have tried spending hours on the phone to get no where with XXXX XXXX. Their customer service is rude. I have uploaded the complaint letter and documentation to this website. XXXX XXXX never even acknowledge receiving my complaint. In frustration with them, I paid that mortgage off and now that account is closed. I would like to get my XXXX credit score back. Their reporting has dropped my score to XXXX. Please help me fix this error which XXXX XXXX will not even acknowledge.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX reported to lates on my credit account and neither are correct. One late was reported on XX/XX/XXXX and the other XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
Consumer complaint received 2018-12-17
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. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any nformation reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Leviton Law Firm, Ltd. (CA)

On Tuesday XX/XX/2018, I was contacted by XXXX XXXX of the Leviton Law Firm via email. Mr. XXXX sent the same email to three of my email addresses. Later that day, I responded to Mr. XXXX to, among other things, request that he contact me only through one of the three email addresses used, as the other are unrelated to the debt in dispute. 

He has ignored my request to do so and continues to send emails to my three addresses.
Consumer complaint received 2022-06-19
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. (VA)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX Account 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 2022-06-19
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. (VA)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX Account 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 2022-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

On XX/XX/XXXX, I checked my credit report for errors. Upon checking my XXXX report I saw that there was a collections account for {$47.00} being reported that had been removed the prior year. In XXXX, the account was owned by XXXX XXXX XXXX XXXX and was removed because it could not be verified as mine. I never received verification information from XXXX XXXX XXXX XXXX. Now the account is being reported by Credit Systems International Inc. ( CSII ). I have reached out to this company by mail twice, XX/XX/XXXX, and XX/XX/XXXX, to dispute the validity of this account. On XX/XX/XXXX, CSII responded to my first letter, but did not supply the verification information I requested ; however, the account has temporarily been removed from my XXXX report until their investigation is completed. In their response it is stated that XXXX XXXX XXXX is the original owner of the account, but no contact information was provided. As of today, XX/XX/XXXX, it has been almost two months since I've received communication from Credit Systems International Inc. I am placing this complaint because I fear this account will be sold to another company again, and I will be forced to repeat the dispute process repeatedly for an account that is not mine.
Consumer complaint received 2022-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (AL)

I demanded to see verifiable proof ( I.e ; an original consumer contract with my signature on it ) and Radius Global Solutions LLC has failed to provide verification of documentation. The documentation that they provided was a bill that someone or anyone has used my name on to obtain goods or services from said company. I have stated to them that the bill that they had provided does not belong to me, as Im currently a customer of XXXX XXXX XXXX, and have never owned this account, and the paperwork that was sent to me as verification of ownership by Radius Global Solutions, LLC, well it does not show my signature as verification that this account belongs to me. I have requested that they remove this account from my credit report, because they have failed to provide proof of original signed contract with my signature showing proof of ownership according to the laws set forth by the FCRA.
Consumer complaint received 2022-03-06
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: GOLDMAN SACHS BANK USA (IL)

I Have An XXXX and every time I go to fill out an application for one of there Apple credit cards There continuously sending me back a denied letter based off information thats not even in Any Of My Credit report theyre literally using the same Credit information from like two years ago exact same credit report that I had two years ago I worked on my report and got everything in there fixed
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aequitas Capital Opportunities Fund, LP (TN)

I was treated at XXXX XXXX XXXX - XXXX, TN ; in the Emergency Room XX/XX/2020. Veteran Affairs XXXX XXXX paid the XXXX XXXX that I have uploaded with this complaint. A third party through XXXX XXXX XXXX XXXX XXXX Account Number XXXX, has reported this to all 3 Credit Bureaus that has affected my Credit Rating and Score and has harassed me with phone calls and bills. I'm reporting Care Payment to CFPB and requesting that the derogatory negative information be removed from all XXXX Credit Bureaus and that Care Payment stop billing.
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I HAVE A COLLECTION FROM RESURGENT/XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS XXXX. I DO NOT OWE THIS COMPANY ANY MONEY, I ALREADY FILED A POLICE REPORT AND MAILED IT TO XXXX  XXXX   AND XXXX. I REQUEST THAT THIS ITEM BE REMOVED.
Consumer complaint received 2022-07-24
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. HOWEVER, I REQUEST THAT YOU REMOVE THESE ITEMS IMMEDIATELY. OR I WILL GET MY ATTORNEY INVOLVED
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: URS Holding, LLC (HI)

I received a phone call at XXXX XXXX from an Alltran Financial representative in XX/XX/XXXX while I was XXXX to XXXX. The representative asked for my name, phone number and mailing address. She said, she was trying to collect a debt from XXXX XXXX. I said, I do not remember a loan from XXXX XXXX. She said, you don't remember paying on a loan for a couple of years. I told her I would like verification of the loan but, I would not be leaving XXXX until around mid to late XX/XX/XXXX. I told her to mail the verification to my PO Box and I would get it upon my return. In the meantime ( without sending me notification ) Alltran filed a collection for {$4900.00} with all of the Credit Reporting Agencies ( XXXX, XXXX  and XXXX ). Upon my return from XXXX I received a letter from Alltran stating I owed them {$4900.00}. They did NOT send me verification I indeed was the owner of a previous loan with XXXX XXXX. Now I have an unverified collection action on my Credit Reports.
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (AZ)

Our mortgage servicer, XXXX XXXX XXXX XXXX, reported a delinquent payment to a third party by means of a verification of mortgage. The payment in question falls within a 60-day RESPA period that occurred during a transfer of mortgage loan servicing earlier this year. The mortgage servicer acknowledges this but has declined to modify the verification of mortgage or provide a written explanation to the third party. This appears to be a violation of Reg X, 12 CFR 1024.33 ( c ) ( 1 ). which states that a during the 60-day RESPA period following the transfer of servicing of a mortgage loan, " a payment may not be treated as late for any purpose ''.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: MicroBilt / PRBC (formerly CL Verify) (FL)

Ran annual credit report and inquiry showed an unauthorized credit report run XXXX XXXX, 2014 by Microbilt. Which was requested by XXXX XXXX XXXX XXXX. 

Microbilt - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX - XXXX Date XXXX XXXX, XXXX XXXX , CA , XXXX - XXXXXXXXHave filed dispute with XXXX and in the process of sending a certified letter with return receipt requested.