davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Professional Credit Management, Inc (AR)

To Whom It May Concern : From my reading of the Fair Debt Collections Practices Act, I have the right to dispute the validity of any alleged debt, and Professional Credit Management used abusive practices. According to the Fair Debt Collections Practices Act [ 15 U.S.C. 1692 ] Section 802. Congressional findings and declarations of purpose ( a ) Abusive Practice. The company Professional Credit Management has conducted the following act : 809 Validation of debts ( d ) Legal pleading A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). Before receiving a certified letter of a filing made on behalf of Professional Credit Management, I did not receive any correspondence is mail or phone regarding the alleged debt listed in said filing. 

I have made numerous attempts via phone ( phone records available ) to show that I called Professional Credit Management to address the matter immediately after receiving the certified letter ( first tactic of communication ).
Consumer complaint received 2022-08-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Carrington is currently my mortgage servicer and owns my loan. 
( Note : my husband died in XXXX, and his probate is currently active, the administrator failed to perform any duties assigned such as managing the estate and paying debts an i believe she is the cause of default. ) The admin. took possession and changed all locks etc. In XXXX. I paid till XXXX. 
The loan now is in default I submitted an application for a va loss mitigation to Carrington with a stay from forclosure until XXXX XXXX. During this mitigation carrington sent me letter stating the sold my loan to XXXX a sevicing comp. that provide legal services usually pertaing to Estates. Now, the admin is suing me for receivership and her probate attorney was just substistituted with a lawyer from XXXX!! I am in loss mitigation! How is this not FRAUD!! Please forward a copy to all other departments this complaint covers.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (NY)

Hello, I recently went through a financial hardship this summer. I am a XXXX XXXX XXXX who works only on commission and because it's getting more and more challenging to find clients I was late on making my XXXX credit card payment.
Consumer complaint received 2022-08-31
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX -Account # XXXX ( XXXX XXXX XXXX XXXXAccount # XXXX ( XXXX XXXX ) -Account # XXXX XXXX XXXX XXXX XXXX Orignial Creditor : XXXX XXXX -Account # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXAccount # XXXX ( XXXX ) -Account # 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 cannon furnish an account without my written instructions.
Consumer complaint received 2022-08-31
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)

In accordance with the Fair Credit Reporting Act XXXX  -Account # XXXX ( XXXX XXXXXXXX ) -Account # XXXX ( XXXX XXXXXXXX ) -Account # XXXXXXXX XXXX XXXX XXXX XXXX Orignial Creditor : XXXX XXXX -Account # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXAccount # XXXX ( XXXX ) -Account # 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 cannon furnish an account without my written instructions.
Consumer complaint received 2022-04-14
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. (MI)

In accordance with the fair Credit Reporting act XXXX acct # XXXX, XXXX  XXXX XXXX Acct # 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 an account without my written instructions
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Prosper Marketplace, Inc. (OR)

Discovered on XX/XX/2022 that my credit card with Prosper XXXX had a balance owed for an annual fee, but in addition to that I got 2 late fees. I confirmed w/2 agents XXXX & XXXX at Prosper, they never called me, they had my correct #, they never emailed me, they had the correct email as well to advise that I had a balance owing or sent me anything BUT the actual card in the mail. They had my email, phone # and mailing address all correct in their system. I had activated the credit card on XX/XX/2022, unfortunately 13 days after my mother XXXX XXXX passed from XXXX. I do not typically get credit cards with annual fees and not getting any notification I owed anything I had no way of knowing until I tried making a {$7.00} purchase on XX/XX/2022. Initially, I thought it got declined as I hadn't activated the card yet. I spent the next 2 days frantically trying to contact or payoff the amount that I owed. When I called XX/XX/2022 and talked to XXXX, she confirmed they never attempted to call me, or email me. Stated that i had online statments, advsd that I signed up for them on XX/XX/2022 so that wasnt a valid argument, furthermore, all of my credit cards and bills come to me electronically, and I get an email on ALL of my credit cards alerting me my new statement is available for review. Prosper has now denied any credit correction request I have initiated claiming it was not bank error. There was no mitigation on their part as far as trying to protect or inform their customer they are behind or have a balance owed. I feel this is very predatoryXXXX I talked to a XXXX, who also informed me that ALL 16 of the interactions on my credit card account were from ME contacting them. No calls placed to me as of this date XX/XX/2022 as I requested a Supervisor to reach out to me to discuss this concern and also to waive out one of the late charges. I already paid the annual fee of {$39.00} + their {$29.00} late fee and {$1.00} in finance charge for both of these fees.
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (SC)

I tried to call the company about the utility bill in question and it is a company in New York from XXXX  which I have been XXXX XXXX military since since XX/XX/2018 and was in college in Tennessee before that so it would have been impossible for me to live in New York at the same time. I have never received a bill or anything from this company the emails and phone number listed on the account were not any that belonged to me when speaking to the representative from the originating company as well.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (WA)

My sister passed away. I was appointed Personal Representative by the XXXX XXXX XXXX XXXX in XXXX XXXX, Indiana. Those documents were obtained through and by my estate attorney and were sent electronically from the court to him for my use in executing her estate. Along with these documents and an original certified Death Certificate Wells Fargo is refusing to open an estate account for me. I was told I need to physically go to the court in XXXX XXXX Indiana and obtain a certified original copy. First, I live in XXXX, Washington so that is not an option and more importantly, the courts in Indiana only send out documents of this nature electronically and there is no avenue to obtain certified original documents. This information has been verified by my attorney. I also requested to escalate this situation to the Branch Manager and was not given their name or contact information despite my repeated request. I have been a customer of Wells Fargo for 29 years and I have no one to escalate this issue with.
Consumer complaint received 2022-08-31
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. (FL)

I am a natural person, I am living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permissions to furnish these accounts. 


Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (CA)

I live in California and opened a Truist acct online. Not only was I able to open it but I was able to fund the acct. Initially I was told an ATM card was ordered and that is how I would be withdrawing from the acct and depositing into it. So I waited ... and waited ... and waited. I called about 3 times to follow up on the ATM card that never came. Finally, I was told that the account was never opened because I live outside their footprint area so the ATM card was never ordered. When I asked for my money back I was told I had to go into a bank branch. The nearest bank branch is THREE STATES AWAY in TEXAS!!!! Going into a bank branch is NOT an option yet they will not close my account nor will they give me my money back. Since opening the account, Truist has been taking {$12.00} per month as a " maintenance '' fee. However, I am not clear why they are charging me {$12.00} per month on a closed account that was never opened. All I want is to close the account and to get my money back. ALL of it. It is only {$80.00} that I initially transferred in to fund the account so it isn't even a huge amount for a bank. For a single mom with XXXX kids who is currently unemployed, it is HUGE! And they are not offering any other solution other than for me to go into a bank branch in Texas to close the account. If they took my money via transfer, they should return it via transfer. There are a myriad of ways to send money yet they are unwilling to do anything.
Consumer complaint received 2017-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has frozen the funds in my business account for over 2 weeks. They did so by placing a pending debit of - {$880000.00} on XX/XX/XXXX of this year. 

The amount held is over {$16000.00} I have called the customer support number only to be transferred into oblivion. 

An in person visit has yielded the banking rep calling in to corporate, who tells them there is nothing that can be done and no time limit nor estimation has been given each of the six times I visited in person in that branch. 

They have given me no explanation other than there is an " ongoing investigation '' and I have gotten a lawyer to formally write them a letter asking them to explain themselves. 

Your help would be appreciated.
Consumer complaint received 2022-08-31
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-08-31
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-04-14
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. (MI)

In accordance with the fair Credit Reporting act XXXX acct # XXXX, XXXX  XXXX XXXX Acct # 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 an account without my written instructions
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

My mortgage was recently transferred to Loancare ( a XXXX XXXX ). I have an escrow account for my real estate taxes and homeowners ' insurance, the first installment being due on XX/XX/19. I have two PINs assigned to my home and lot. I received a notice in XXXX that a payment had been made to one PIN, the additional lot portion of my property. On XX/XX/XXXX, I initiated a call to Loancare and was given the option of entering my number to receive a call back. I did so and was never called back. On XX/XX/XXXX, I called again, reached a representative, who understood my issue and was assured that the other tax bill would be paid by XX/XX/XXXX ( which would be late ). Today, XX/XX/XXXX, I checked to see that the taxes had still not been paid and initiated another phone call. The representative informed me that there was no notation in my file about this issue, but went ahead and made arrangements for the bill to be paid. He felt that it should be about a week and I should check back. I asked if I could be given a reference number and was told that was not necessary. At this time, I don't know whether a payment will be initiated or not, but it is already overdue. Further, I believe that they have transposed the PINs and amounts so that they are reserved, which my taxing body seems to have figured out when applying what was actually paid.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXXXX/XX/year>
Consumer complaint received 2022-08-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

I have 4 private student loans with Navient. They are so extremely difficult to deal with. I have lost income with the economy being so bad. I am trying to save every penny to pay my mortgage, and I don't have enough money to pay my private student loans also. I called them, they do not have an forbearance options for me. Since rates have increased the last time I spoke with a different woman and they said that they could sign me up for the interest rate reduction program HOWEVER, since rates have increased it would have only increased my payment from the Interest rate reduction program payment that I was already on of $ XXXX.a month. Now the program expired and I am not on a program at all and my payment is over {$800.00} a month. They just took the {$800.00} out of my account when I NEVER authorized them to do that and my bank bounced the check because there was no money in the account. I had only ever authorized the {$320.00} payments until the end of the program and it ended last month. 

I got one of these loans almost 20 years ago. The interest rate is over 13 %!! I DID NOT even take this loan out. The school I was attending XXXX XXXX University ( XXXX XXXX ) had me sign a paper they said that they were going to get me grants. They NEVER said anything about this student loan. I would have NEVER obtained a 13 % interest rate! it was not until I quit that school and then I found out I owed money. I have been paying this student loan since XXXX. I still owe more now than the loan was ever originally taken out for. 

If you look at my loan paperwork my rates are at 13.875 %, 11.25 %, 11.25 %, and 9.25 %. AND it shows that my rates are VARIABLE. If this is not an example of predentary lending I DO NOT KNOW WHAT IS. I owe them {$92000.00} And I have already been paying them since XXXX!!!! I attached the complete loan history of just 1 of my loans with Navient.
Consumer complaint received 2022-04-14
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)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX 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 2019-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: STERLING JEWELERS, INC. (NC)

I received a letter in the mail with my full name DOB and social security. Stating they are a debt collector named XXXX XXXX XXXX locates in XXXX XXXX CA trying to collect a debt for the amount of {$3100.00} for KAY JEWELERS. Which is false I have not purchased anything from KAYS IN YEARS!!!!
Consumer complaint received 2022-08-31
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-08-31
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. (IL)

I am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer t

o 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution. 
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 famish an account without my written instructions. 
1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's forgery and misleading when the courts do not report this type of account. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX at XXXX XXXX XXXX is reporting without my consent wrong information XXXX XXXX XXXX XXXX XXXX was open fraudulently I sent several disputes