davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-30
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: EQUIFAX, INC. (FL)

I have contacted this company a number of times regarding these unauthorized hard inquiries. They are not willing to help and have not yet removed them or sent me proof about what happen or why they are there.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 2019-04-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I do not speak XXXX, a student advocate from the XXXX XXXX XXXX XXXX XXXX helped me write the following : On XX/XX/2019, I visited XXXX XXXX dealership, and purchased a used XXXX XXXX XXXX ( VIN : XXXX ). Since I do not speak XXXX, all negotiations took place in XXXX. A XXXX XXXX dealer gave me a preliminary estimate of the costs to purchase the car which amounted to {$14000.00} plus taxes. I found this acceptable, so I decided to carry out the purchase. The XXXX XXXX agent requested that I make a down payment of {$5000.00} to continue with the purchase. I informed him that I did not have the money, but he insisted I made the payment before proceed with the purchase. I told him I could give him a check and would deposit the sum within two days. The agent accepted. Before signing, I did not get to see the full contract. The agent only showed me the payment schedule. Moreover, the agent did not explain any of the provisions of the contract, which is drafted in XXXX, even though I only speak XXXX. But the agent made several assurances that the contract reflected the terms of our negotiations in XXXX. However, when I went home that night, I noticed that the estimate that the agent gave me was way under the purchasing cost for the car. I panicked because the amount was many times higher than what I expected or could afford to pay. Moreover, I noticed that the contract stipulated several additional costs for services that I had not consented. For example, I never agreed to pay additional money for a theft deterrent device, paint, or to purchase a service contract. 

The very next day, XX/XX/2019, I returned to your dealership to rescind the contract. But the agent dismissed my request and told me that since I had signed the contract, I could not cancel it. He informed me that only option would be to refinance after a couple of months. I went back several times to try to rescind the contract, but my requests were denied. Not knowing what else to do, I cancelled the check for the {$5000.00} down payment. I did not even want to pick up the car, but I was informed that if I did not take the car, you would begin to charge me $ XXXX/day in storage fees. Because I was so afraid and because I felt I had no other option, I drove away with the car. 

On XX/XX/2019, one of the XXXX XXXX managers, XXXX XXXX, called me to try to negotiate with me. She promised to remove all the additional service charges that I had not agreed to, which amounted to {$6500.00}. She promised to draw up a new contract that would reflect these changes but I refused to sign this contract unless I could have someone else verify it. I asked for a copy but she refused to give me a copy or to allow me to take a picture. I informed her I wanted attorneys to review the document before I signed, and she informed me that this would only take place if the person came with me and threaten that I only had two days to accept her offer. I refused under these conditions.
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (MA)

To whom it may concern : The reason for my complaint against TD Bank is because I feel like I have been treated unfairly and have been giving the run around for months with no result in the end. 

I started to get the onset of sickness in the summer of XXXX and due to this had fallen behind on my mortgage payment. 

In XX/XX/XXXX I went out on short term XXXX until XX/XX/XXXX. 

Because I had fallen behind on my payments TD Bank sent me paperwork in XX/XX/XXXX to apply for a modification when I assumed the illness was getting better. 

I sent in the completed form to them and received a response in XX/XX/XXXX that the modification was accepted and the new payment. 

I called immediately to inform of my unforeseen and unavoidable circumstances and to see if they could assist me. The girl in customer service said to sign the papers and don't worry about it. So I did if not they would foreclose on my home. I also put this in writing. 

I made several calls after this fact to TD Bank to try and work with the bank to resolve the delinquency on my part but the persons name on the letters I received do not pick up phone and speak with consumers. So I had to speak with customer service who would communicate with the loss mitigation/escrow department then relay the information to me. I was also transferred numerous times, disconnected, transferred to a tile company in Maine on more than 1 occasion. When I did get a rep on the phone the answer was always let me transfer you to that department, I don't know, I can't tell you, I don't have access to that screen and I'll have a rep call you back which has not happened to date. 

I also received several letters that had different amounts for my mortgage and when I called to inquire which amount was correct I was given a completely new figure. 

I do not know what to do and I do not want to lose my home, can someone please help me communicate more effectively with this bank? Also please do not let them accelerate the foreclosure process due to this complaint!
Consumer complaint received 2019-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

I have two insurance companies since XXXX. Both cards were submitted at the time of service. After my first insurance pays State XXXX picks up what is left. Ive contacted the credit bureau many times over these bills and I get the same reply every time its too late to bill for these charges. It isnt my fault that they didnt bill the insurance companies properly. They have a charge from XXXX and the same reply its too late to bill the insurance. Im XXXX and on a very limited income. I would and do pay my bills I owe but all these XXXX charges arent my responsibility. I hope you can help with this situation. Thank you.
Consumer complaint received 2019-04-01
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. (AZ)

The CRA 's have added fraud alerts to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations. Please immediately remove these fraud alerts Without my phone number these fraud alerts are useless. Please sent me proof the I requested these fraud alerts. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights. Please send me a record of of the fraud alert request made by me or should I should subpoena such records, please advise
Consumer complaint received 2022-08-18
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20.00}
Consumer complaint received 2019-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (SC)

XX/XX/XXXX Mailed in disputes to credit bureau ( XXXX, XXXX, and XXXX ) for unknown account at XXXX XXXX XXXX and Syncrony Bank ( Belk ) for amounts of {$590.00} that appeared on my credit report. 

XX/XX/XXXX Mailed certified letter to XXXX XXXX XXXX and XXXX Bank ( Belk ) letting them know that account was not opened by me and ask for signed contract of me agreeing to this account. All they sent back was Summary of account statements and that is not accurate. 

XX/XX/XXXX Mailed all information to credit bureau ( XXXX, XXXX, and XXXX ) asking them to delete information due to account is not verifiable and not accurate and its still reporting on credit.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX Account Number : XXXX & XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX Account Number : XXXX & XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2022-08-18
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. (MS)

Student Loans refinanced. Showing old loans over the limit and the incorrect balance. Showing multiple loans open with unknown dates which is incorrect. I have only one loan now through XXXX XXXX XXXX for {$68000.00}. The multiple XXXX XXXX accounts have been closed over 120 days. Disputed with transunion. These accounts are also in litigation thru settlement agreement intended to resolve Sweet v. Devos, a years-long class action lawsuit originally brought by student loan borrowers against the Trump administration for failure to process and approve thousands of Borrower Defense to Repayment applications.
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (TX)

So I am being sued in Texas by LVNV Funding LLC which is in Nevada. They bullied me and never contacted me about this debt and all of a sudden I get a summons. They have cost me mental pain and anguish.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lendmark Financial Services (FL)

I received a Notice of Lack of Prosecution and Dismissal of Case on Date Certain on XX/XX/2022. I was never given any proper notice of their intent to sue with a court date of XX/XX/2022. There was no reasonable attempts made to contact me regarding the alleged debt prior to them pursuing legal action. As of XX/XX/2022 I sent a letter ( XXXX XXXX # XXXX ) requesting validation to Lendmark Financial Services, as I do not believe I have ever done business with this corporation. Their reporting inaccurate information to my consumer report and defaming my character.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: MicroBilt / PRBC (formerly CL Verify) (WA)

It was awhile ago i believe XX/XX/XXXX, XX/XX/XXXX, or XX/XX/2018 that i sent microbilt a letter stating i wished to have my consumer credit report frozen with them. I never received a report or letter stating it was frozen. Please freeze consumer report and or send me validation that it is frozen with your bureau.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NV)

I have been unable to make a payment to me XXXX credit card with Comenity/Bread Bank because I am unable to access my account. When I attempt to login I receive a message that my account information is incorrect. I have attempted to reset the password numerous times and either never receive the code or receive errors when attempting to enter the new password. Its not you l, its us. We have experiencing systems issues. Please try again later. The information you entered does not match our records when changing the password. I have received countless calls from Comenity bank requesting a payment over the phone but no assistance with fixing my account issues. The account is now passed due and has affected my credit score.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

45 days ago, on the XXXX of XXXX I sent in some letters asking for the procedure in which some incorrect items were verified on my credit report, and I have yet to get a response. I feel like I'm being taken advantage of and will file for litigation if I have to. Thanks for your help.
Consumer complaint received 2019-04-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (SC)

This is regarding Navient. On XX/XX/19 I received my first phone call at XXXX, then again at XXXX, again at XXXX, again at XXXX, and again at XXXX. I informed them that I was at work and could not talk at the XXXX phone call. They continued to call. On the XXXX call I requested a supervisor multiple times before I was sent to supervisor XXXX XXXX.I told him this was harrassment and I was aware of my rights they said they were allowed to call between XXXX and XXXX until I made my payment. My payment was 20 days past due for {$180.00} and they continued to tell me I had to pay and calls would stop. I asked for the customer service number and he gave me the number to make my payment. Im not going to lie I said some choice words to him then hung up. I called back and spoke with XXXX XXXX. I was calm with her she told me to just make my payment if I could make payment the calls would stop, was talking over me and not qilling to listen to what I was saying. This complaint is about the harrassing phone calls and delibrate action supervisor XXXX XXXX took in preventing me from talking to customer service. I could understand multiple calls if I was habitually or significantly past due but seriously 20 days and {$180.00}?
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (RI)

On XX/XX/XXXX my XXXX account was sent to collection for nonpayment. It was eventually settled and the account was paid for less than the full balance to Debt Recovery Solutions LLC. Debt Recovery Solutions LLC. stated and posted the date of the debt as XX/XX/XXXX, this is incorrect. The date of the original debt is XX/XX/XXXX. It is still on my credit report as a result of this error and it should be removed from my credit report as it is beyond the reporting time period.
Consumer complaint received 2019-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

To Whom It Many Concern : I bank with Wells Fargo. It appears I do not have any problem with any account being paid except my XXXX account. I go to XXXX at the beginning of each month, and schedule the payment. When I am finished with XXXX, I go to my account online with Wells Fargo, and it has come into my account, and it is a pending charge waiting to be paid. The amount is subtracted and shows waiting for the next days end. When I check it a couple of days later, it is not there, it has been removed, the pending is gone, and the money returned. After seven days, all of a sudden, the bill is in and it has been taken out. This has been going on for a year now. This month I did not check it, and it cost me because they did not pay it when it came in. They deleted it and returned the money. There is something wrong with this. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (KY)

While looking at my credit report i have noticed that there was a discrepancy in the " account status '' section. 
Account Name : Credence RM Original Creditor : XXXX XXXX is reporting this account as open. Obviously, an account that has been sent to collection/chargeoff should not be reported as an " open '' account. 
There is also an inaccuracy with the date of last activity. XXXX is Reporting it as of XX/XX/22 and XXXX is Reporting a date of XX/XX/22.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act ALL IN XXXX XXXX Account # 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 15 U.S.C 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