davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (CO)

Throughout the years One Main Financial has been deceptive and misleading regarding a personal loan that I took out. They have predatory unethical lending tactics encouraging the account to go past due before a reduced payment can be set. This causes unnecessary late fees, high interest and the result of creating a new loan agreement. Anytime that my loan had been modified they created a new account and credit line. They also promise to clean up derogatory remarks which they also lied about. I submitted a credit bureau dispute advising duplicate history accounts that needed to be remove. My current balance of fees is {$3400.00} showing the loan balance as {$11000.00}. However, I never took out a loan for this amount. After being laid off in XXXX I utilized my layoff protection insurance which they only paid for 3 or 4 months. This is a upsell service they highly recommend for all loans but is deceptive. I was briefly a partime seasonal postal carrier for one month and it did not work out. One Main Financial kicked me off of the unemployment benefits although my unemployment benefits through the State of Colorado was reestablish right away. I had limited income to pay all of my bills which One Main Financial took advantage of. I also took a significant paycut once I found a fulltime employer. I requested numerous times to adjust my due date due to my pay period which they refused. It became a standing joke to them as " the due date '' which I did not find funny, lacked empathy and was unprofessional. I transitioned to my current employer in XXXX of XXXX in significant past due debt. Keep in mind that every time I was given a reduced payment the new amount increased astronomically unaffordable. I have misplaced my notebook and wanted to submit my complaint on record. But around the fall of XXXX a woman who identified as a supervisor reached out offering an affordable payment. She empathized that my account would be cleaned up and would get my account back on track. I also questioned why my balance was drastically higher. Which I was informed that rest assured all would be resolved and I was coerced to reply to an payment agreement sent by email otherwise subtle threats to pursue legal action. I have been paying diligently however I am disputing the balance remaining on this loan. I requested past statement history indicating the original loan amount but was sent to me was internal data. It doesn't even display an principle balance and fee section separate since it all has been combined together. I truly feel what is left over are significant penalty interest charges and late fees that they encouraged me to not pay and was the " only way I could get assistance ''. Please close out this account as satisfied and provide a paid in full satisfaction letter for my records.
Consumer complaint received 2022-08-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION (MI)

On XX/XX/2022, Toyota Financial Services, which is a debt collection agency, hired someone, without my knowledge and consent, to come to my home and take my vehicle which was fully paid for with my consumer credit application and said that if I didnt pay $ XXXX to them, I cant have my vehicle. They never applied the accepted credits to my account and without my knowledge nor authorization to falsify information and report to the credit reporting agencies that I have not paid and have missing payments. As a consumer, my rights to privacy were violated and are trying to coerce me to repay them even though they got paid the moment I submitted my credit application. The FDCPA states that any form of harassment, as well as the taking of illegal action, improper sharing information, and false representation is prohibited. They are in current possession of my vehicle and are determined to not give it back unless I pay an alleged debt.
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I am writing to express my extreme frustration and disappointment with Square, my account got deactivate On XX/XX/2022, I became aware that my funds totaling {$250000.00} will be held by Square for a period of 90 days, right now its over 18 months and my funds is yet to be released. 

As a XXXX XXXX, I have always relied on Square for its services, and this prolonged withholding of funds has caused significant financial hardship for me. Despite numerous attempts to reach out to the customer support team and follow the required procedures, I have received no satisfactory response or timeline for the release of my funds. 

This situation has not only impacted my ability to conduct business effectively but has also eroded my trust in Square as a reliable payment processor. I expect better accountability and transparency from a company of Square 's stature.

I want this issue to be investigated promptly and my funds released without further delay.

I look forward to your prompt attention to this matter and a swift resolution.
Consumer complaint received 2022-09-08
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. Additionally, this just proves your lack of proper record keeping. Now, this item is reporting to be past due, yet it is closed and the balance is XXXX. Lets correct this immediately! This is your final chance to resolve the inaccuracies on the item : XXXX BANK XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. Additionally, this just proves your lack of proper record keeping. Now, this item is reporting to be past due, yet it is closed and the balance is XXXX. Lets correct this immediately! This is your final chance to resolve the inaccuracies on the item : XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX
Consumer complaint received 2018-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2018 at approximately XXXX XXXX I attempted to place a freeze on my credit report with TransUnion through their website. I clicked the link that said : " Freeze my credit '' and proceeded to fill out the required information on subsequent pages. At the end of it all, I received an email saying I had subscribed to a monthly service for {$19.00} a month. Nothing I clicked on or encountered said anything about a payment, let alone that I was subscribing to a service with a monthly fee. I made numerous calls to TransUnion to correct this but was repeatedly disconnected when I insisted the situation be corrected. All I wanted was to put a freeze on my account- NO other services. I did succeed in cancelling my subscription online but have been charged {$19.00} for a month of services I did not want. At the end of a month the freeze on my report will be lifted, which does me not good at all. TransUnion 's website is clearly fraudulent and misleading when they should be acting to protect consumers, not mislead them. No one should have to pay {$19.00} a month indefinitely just to protect their credit. Who is protecting us from the credit reporting frauds.
Consumer complaint received 2022-09-08
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (MN)

Direct Recovery Sevices has been contacting my family members, leaving voicemails for me demanding I respond and if the matter wasn't settled, they would " move to an outside party. '' This happened once before about a month prior and they had contacted myself as well and I returned the call and asked them to stop contacting my family members and also tried to see what they were calling in regards to. They refused to tell me, getting angry and eventually hanging up on me. This was in XXXX or early XXXX, now on XX/XX/20, they have again been contact my mom and brother. Leaving threatening voicemails for myself but not actually contacting me. I have no idea what this is in regards to as they would not give me any information when I did try to return the call the first time. Now they are still harassing my family members.
Consumer complaint received 2022-09-08
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. (MS)

XXXX said they can help pay all of my student loans for free. And I thought that they can remove all of the Dept of Education loan off of my credit report. 

I don't understand why they left some of those on my credit report. 

Unless those loans don't belong to me... or maybe got the wrong birthdate or wrong Social Security Number. 

I told them to give me some validation and show me if this belong to me... 
but they didn't respond to me or chose not to mail me any validation or proof that these belong to me.
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NM)

Rocket Mort gage (   XXXX   XXXX   ) s ent me an offer to refinance my home loan.   I accepted and everything moved along quite quickly and was approved. Then home loan interest rates jumped up, and than began to stall the process. Finally they fabricated a problem where I owned a property in Kentucky a place I have n't even been to in 37 years.   After delaying another week they admitted that it was an " error ''. Then they brought up other " issues '' about things that were clear from the first day. This allowed them to delay the process until the " lock '' had expired. Rocket mortgage just utilizes fraud as a means.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In Accordance with the fair credit reporting act, XXXX Account # XXXX has violated my rights and reported incorrect information to Credit Reporting Agencies. They reported that I had a credit limit increase of {$99.00} between XXXX, and XXXX which caused my credit score to decline XXXX Points. I did not have a credit limit increase and to date have not been late on any payments. 

15 U.S.C 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 A Section 2 also states a consumer reporting agency can not furnish an without my written instructions.
Consumer complaint received 2022-09-08
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. (MS)

XXXX said they can help pay all of my student loans for free. And I thought that they can remove all of the Dept of Education loan off of my credit report. 

I don't understand why they left some of those on my credit report. 

Unless those loans don't belong to me... or maybe got the wrong birthdate or wrong Social Security Number. 

I told them to give me some validation and show me if this belong to me... 
but they didn't respond to me or chose not to mail me any validation or proof that these belong to me.
Consumer complaint received 2020-11-25
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (MN)

I received a letter stating the information sent to the credit bureaus was correct, but they did not provide me with the documentation to verify the late payments. According to the FCRA as a consumer it is my right to receive supporting documentation if the late payments were in fact verified which has not been provided. Provide me with documentation of these late payments to address provided. I have also provided proof of FCRA violations if a resolutions in not agreed upon.
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

On XX/XX/XXXX I visited an in-network physician and paid my normal co-pay of {$50.00}. My insurance provider payed all remaining balances. IC Systems has been harassing me to pay {$720.00} to the physician claiming that payment has never been paid. A collection has been added to my report as of XX/XX/XXXX. On XX/XX/XXXX, I called IC Systems with my insurance agent who stated that the amount was paid by them 100 % and I should have not been billed. IC Systems representative stated that this will be removed and send over a letter stating the removal. On XX/XX/XXXX, I have received a phone call from IC Systems stated that I still owed and no remarks were added to the account and I would never receive a letter stating that the collection has been lifted.
Consumer complaint received 2018-03-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CU Recovery, Inc. (TX)

Collector has taken on a debt that is doubtful. The original lender, XXXX XXXX XXXX XXXX, only alleged the debt to me this week. I began to research the matter today ( a totaled vehicle that had GAP insurance - alleging additional debt ), and have already received a collection attempt from CU Recovery. 

It is very unethical for XXXX XXXX ( and CU Recovery as their agent ) to attempt these tactics without first allowing legally allowed time for verification of the debt. Additionally, CU Recovery is attempting to collect over {$500.00} more than XXXX XXXX alleged that I owed.
Consumer complaint received 2017-04-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mitsubishi Motors North America, Inc. (PA)

I had this car for a year-and-a-half ago I purchased th is in  XX/XX/XXXX  or  XXXX  2015. Night even a year in  XX/XX/XXXX  my brakes was bad. I took it to a private mechanic. And he said every y ear I have to change the brakes. Instead of going to the dealership because it 's not under warranty. And I do n't have that kind of money to go to the dealership I still coated me {$500.00}. So this year I have to replace my brakes is even close to  two years I do n't understand why do I have to replace the brakes is not my fault only drive  in  XXXX  that 's the only place tha t I drive bu t I have to keep replacing them.
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Walwick, Inc (WA)

Merchants Credit Association XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX To whom this concerns, I recently applied for a Home Mortgage and in doing so received a copy of my Credit Report. Contained in that report were certain accounts that I disputed with all three of the Consumer Credit Reporting Agencies, XXXX, XXXX XXXX XXXX. Here Im speaking specifically to the information being reported as : account # XXXX. 

Where in the XXXX  Investigation Results youll see that the account now reads : THIS ACCOUNT HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *STATUS DATE *BALANCE DATE. This letter speaks directly to these features as theyre currently appearing in this, along with other, credit reports. 

Additional Furnishers ' Duties Under the FACT-Act ; 312 of the FACT-Act expands furnishers ' affirmative duties concerning the accuracy and integrity of the information they furnish, contains a provision that allows consumers to file disputes directly with the furnishers, and specifies the procedures furnishers must follow in responding to direct disputes. 

Under the regulations implementing this provision, when a consumer files a direct dispute, a furnisher is required to investigate if the dispute relates to any of the following issues : ( 1 ) the consumer 's liability for a credit account or other debt with the furnisher ; ( 2 ) the terms of a credit account or other debt with the furnisher ; Here I require Merchants Credit to produce and provide the evidence of this Updated information. Along with, and in comparison to, the information provided in the Credit Report furnished by XXXX XXXX & XXXX XXXX to XXXX XXXX XXXX and delivered to my Mortgage Lender, XXXX XXXX. ( See copies ). Clearly Merchants Credit verified this new information to the satisfaction of XXXX. Here I require that you Verify this altered and adjusted information to and for me, the Consumer, as well. As they are clearly not equal to the original information as provided to my Mortgage Lender. 

These certainly are not inconsequential Updates as they clearly describe the consumers liability in their Status Date & Balance Date along with Additional Information status. Failure to respond according to this request will result in my turning my attention away from the Consumer Credit Reporting Agencies. Directing it to the Washington State Department of Licensing. Who Im assured will do a Complete & Comprehensive Review of your failure to perform under the Federal & State Laws where and how they are applicable. 

Regards, XXXX XXXX XXXX XXXX CC : File WA DOL CFPB FTC
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NY)

On or around XX/XX/2020, I contacted US Bank in order to close my credit card account with them. I was assured by the phone representative that the account will be closed and the {$60.00} annual fee refunded in FULL. I was expecting the refund of the annual fee to be offset against the charge I have made on XX/XX/XXXX, with the aim of avoiding having to deal with the nuisance of having to a check in the mail and deposit it. 
Unfortunately, contrary to the confirmation by the phone rep, the fee wasn't refunded and the account appears to not even have been closed.
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SECURITY CREDIT SYSTEMS INC (VA)

All but one current account in my reports XXXX security credit {$610.00} XXXX was already disputed and removed from my reports the beginning on 2020 and now they have been put back on to my reports again!!!!!!!!!!!!!