davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (MD)

I picked up the car from the dealership XXXX XXXX. I have a XXXX XXXX XXXX. My loan was through Westlake Financial and I paid the car off XX/XX/XXXX. I was told I would have the title by XXXX XXXX. I been reaching out everyday for 2 months and no one have helped me or gave me an update about when I would be receiving my title.
Consumer complaint received 2021-05-03
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. (AZ)

XX/XX/XXXX XXXX XXXX- I have never had an account with XXXX XXXX XXXX This is a debt collection agency that is reporting the wrong debt, This does not belong to me. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company and got no reply or more than one occasion. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX I have disputed with this company because they are reporting the wrong dates. This is account is over 7 years ole which means it should not be reporting to my credit according to law. 

XX/XX/XXXX XXXX XXXX XXXX-This is a fraudulent account. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company. This debt DOES NOT belong me.
Consumer complaint received 2024-03-30
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (GA)

2020 I took out a loan at TitleMax on my truck Ive been paying it and I always pay it on time the amount that I taken out was {$2000.00} Ive been making a payment of {$160.00} a month. I always make a payment of XXXX sometimes {$200.00} and the interest is 25 % a month I just made a payment of {$180.00} Today I was told a couple of months ago that XXXX XXXX XXXX XXXX by my husband being in the military I was not able to have an account with them and they That I would not be charged interest. which I dont understand that the interest is 25 % and down I always make the payment on time that XXXX is still there all I am trying to do is pay the loan off. I have tried plenty of times to call the company and every time I call and talk to someone they always say that if I pay a little more it will come down but I have always paid over in the year and XXXX of their employees were always telling me to keep making a little bit more payments on it every month and I will see income tax and the payments will change but the more I put on the payments it does not change it always stay the same.
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge 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)

Hi! In XXXX, I used an XXXX store card whose carrier is XXXX. I shopped for Christmas presents and got hard copy statement. I paid it. In the month of XXXX they told me was late, via text, no hard copy. I didn't even know this was the same card there was reference to XXXX Bank. They didn't bill me by a hard copy so I could not tell what else I purchased. I filed a complaint because I did want my credit rating to drop. There was no reference to what I actualy purchased and the text only referenced XXXX  NOT XXXX called they didn't give me address to even send it nor an electrical address to send the payment. At the end of XXXX, they had informed XXXX that the purchased were fraudulent, they were not. I complained to an agency because of bad business practices ; not bad merchandise. I sent them a check for the remainder of the balance. Then I received a myriad of message that stated I was 'displeased ' by my products and they reneged paying those merchants. I never said that and demanded from XXXX  they repay the merchants with the monies I already used. I also demanded they cancel my credit card. I spoke to a representative and they promise to pay the merchants and reimburse me. Last week, I received a check from them figuring I overpaid them. Today, I got a letter from them demanding the money back. Thus far they have no evidence that they even paid the merchants and I know overpaid them. I want the matter resolved..
Consumer complaint received 2019-06-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

Kimball , Tirey & St. John LLP is collecting the wrong amount of debt ( {$450.00} ) on XX/XX/XXXX and they never provided me with any documentation to back up their claims They do this on behalf of XXXX XXXX Apartments in XXXX XXXX California
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC (MN)

During XXXX and XXXX, I had a checking account with my New York Community Bank. And I use their online bill pay service to pay my monthly utilities and other bills. 

In XXXX of XXXX, one of my biller -- XXXX XXXX XXXX XXXX sent me a letter indicated that they did not receive some of the payment I sent from New York Community Bank, even it has cleared from my checking account every months. 

Then I called New York community bank even talked to a manager about this bill pay issue. As instructed, I mailed the letter to XXXX at XXXX XXXX XXXX XXXX, NY XXXX, so to receive my statements that would show all of those cleared online bill payments. 

But after waited for six months, I never receive the statements as their manager told me. 
So, did they really paid my bills? If so, why not mail me the documents?
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

Deferred payments on the mortgage of my residence during COVID. Forbearance is over, and my lender will not accept modification of the missing payments to end of loan. 
They want lump sum payment or will foreclose. I am currently still unemployed due to COVID. This is not fair and not what was inteneded when goverment required COVID deferrals from lenders.

Lender is Specialized Loan Servicing.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This isn't denying the debt debt but to report that XXXX XXXX XXXX is reporting inaccurate and inconsistent information across all three credit bureaus which all information being reported to the credit bureaus must be 100 % accurate. Numerous violations are in place and even though XXXX XXXX XXXX is not a debt collector per the FCRA all information being reported must be 100 % accurate which is a fine of {$1000.00} per violation. XXXX and TransUnion reports a high balance of {$16000.00} while reporting {$12000.00} on XXXX. This inconsistent reporting is hurting my credit score and even causing me to get higher loan rates by having a higher debt ratio on my report by when loan officers compare my income to debt ratio it'll look higher at {$16000.00} vs if it's indeed {$12000.00}. This reporting also has caused me to get denied job opportunities by XXXXPD and others by having inconsistent information on this account and having charge off payments being reported when it's not supposed to once the account is closed no late payments are suppose to be reported per the FCRA. The Date Of Last Activity for XXXX shows XX/XX/XXXX while XXXX shows XX/XX/XXXX and TransUnion showing XXXX. This account on XXXX  and TransUnion shows a later date of last activity which is inconsistent with all three bureaus and is in violation with the FCRA by the accounts would be ILLEGALLY re-aged on how long they would stay on the report. If all three credit bureaus are getting their information from the same creditor how is it that they're all reporting inconsistent information. XXXX  shows this account was an auto loan when in fact it's an Lease as shown with XXXX and TransUnion, The payment history across XXXX and XXXX are both inconsistent and shall show with the attachment highlighted. 




I've disputed this account previously back on XX/XX/XXXX and the creditor bureaus and XXXX did not update the date last date Verified which is a violation with the FCRA by which they're suppose to update the account each time when the file is disputed.
Consumer complaint received 2019-06-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX XXXX XXXX XXXX. XXXX XXXX. XX/XX/2019 XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX To Whom it may concern, On or around the XX/XX/XXXX, I notified B.O.A fraud dept. Of possible online bank fraud involving my business bank account. I was told by fraud dept that the online transactions in question would be addressed and funds would be placed back into account immediately and if Bank of America found that my claim wasnt legitimate then funds would be taken back upon discovery of fraud on my behalf. 
Funds were never put back in my account and I received a written statement from investigators that my claim had been denied and there was not sufficient evidence to support my claim. 
On XX/XX/XXXX I went to the police station and filed a report regarding this matter and gave names of possible individuals involved in my B.O.A claim. These unauthorized charges include ; *XXXX XXXX  purchase *XXXX XXXX XXXX  XXXX *XXXX XXXX XXXX  money transfer I have inquired on my own and and found evidence that leads me to believe that 1 or more of the persons in the original police report is the same person ( s ) who made fraudulent purchases to begin with. I was able to discover screen shots as well as names and addresses of people who committed the fraud. 
1. Screen shot of person other than myself inquiring about my business bank account as well as my personal account as well. 
2. Screen shot of shipping address of persons that may be responsible for fraudulent purposes. 
3. Screenshot of XXXX XXXX XXXX  that was purchased by same person that made XXXX  purchases confirmed by staff at XXXX. ( contact info of staff I talked to regarding this matter ) On XX/XX/XXXX faxed evidence of said purchases to B.O.A. fraud department and again went into B.O.A. Branch with said evidence and had a representative of the bank fax copies of evidence to fraud team. 
( XX/XX/XXXX -B.O.A did put money in my account and then immediately took it out ) As of XX/XX/XXXX my claim has been reopened due to my diligent efforts and investigating on my own and my persistence in the matter. 
I have told B.o.A from the beginning that the fraud was done by individuals who have never represented my company and has assured me that i would be made fully whole while the process was investigated and that never happened. I had expressed on several occasions that I am a new company and my funds being held up for over 30 days would put my business in jeopardy. I have gotten evicted from my office at this point and my belongings are being held as collateral. I believe B.O.A. has not held up to their responsibility to my company in their attempts at resolving this matter in a timely manner because my time in pursuing this matter has cost me a great deal more than just a monetary value that i am trying to retrieve which has led to stress and frustration and has taken a toll on my health. 


Sincerely, XXXX XXXX
Consumer complaint received 2017-12-16
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: Grant & Weber (CA)

My medical bills that went to collections with XXXX XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX dropped off in XX/XX/XXXX and now XXXX is reporting them again.
Consumer complaint received 2020-06-04
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. (FL)

I do not have the time or emotional energy left to list all the specific details you wnat. 
Experian 's system always gives me issues when the other two companies do not. 

I can not get their system to simply work to unfreeze my credit file and I always have to mail them a letter about it becuase the online system ALWAYS boots me to this page that says I MUST MAIL A LETTER AND COPIS OF DL, SS card, utility bill. 
I try their Credit Unlock/Lock that is suppossed to allow credit inquiries and it has no affect whatsoever, they still tell credit inquiries that my file is frozen and will give them no info. 

The phone system they have gave such limited choices last year that just trying to get to a human being for help led them to AUTOMATICALLY Reporting Fraud Attempts on my account that set all my credit bureau files on FREEZE. 

This makes the ability to freeze and unfreeze just preposterous and the lock/unlock does not even work.
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Card Acquisitions Group (WI)

XX/XX/2020 Received a voicemail from the representative, returned the phone call. Transferred to " compliance '' person. The collector on the phone was named XXXX, I was looking for more information on the debt in question. Throughout the conversation the representative repeatedly accused me of fraud, said based on how I pay my bills and credit history I was guilty of fraud. He also accused me of securing a loan and closing my bank account to commit said fraud- accusing me of criminal activity. I asked him not to be presumptive, but he continued to accuse me of fraud. Unable to continue the conversation, I asked to have the documents sent to me and not be contacted further. I believe it is against my rights in to be accused of criminal activity in an attempt to collect a debt.

I also received two personal phone calls, two phone calls to my employer, and three emails regarding this issue.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company XXXX XXXX  has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidenceXXXX XXXX XXXX XXXXXXXX! XXXXXXXX XXXX
Consumer complaint received 2023-03-10
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: Total Finance AC LLC (IL)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as fot late purpose
Consumer complaint received 2021-05-03
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. (AZ)

XX/XX/XXXX XXXX XXXX- I have never had an account with XXXX XXXX . This is a debt collection agency that is reporting the wrong debt, This does not belong to me. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company and got no reply or more than one occasion. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX I have disputed with this company because they are reporting the wrong dates. This is account is over 7 years ole which means it should not be reporting to my credit according to law. 

XX/XX/XXXX XXXX XXXX XXXX-This is a fraudulent account. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company. This debt DOES NOT belong me.
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-06-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

This XXXX HELOC was listed and subsequently discharged in a joint Chapter XXXX filing in XXXX. According to the results of an Experian dispute dated XX/XX/XXXX, XXXX confirms that the reported debt is " accurate. ''
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank issued me a credit card with rewards promised based on purchases made with the card. I earned points to qualify for {$220.00} in cash back or gift cards. On XX/XX/2018 I placed a phone order for two {$100.00} and two {$10.00} gift cards for XXXX that totaled {$220.00} which I never received. TD Bank sent them to the wrong address even though I confirmed my correct mailing address with TD Bank when I placed the order and several times prior to placing the order. Several months ago, TD Bank promised to credit my VISA account {$220.00} representing the gift cards I never received for the cash back rewards I earned as agreed. I still have not received the gift cards or the cash back rewards of {$220.00} as promised by TD Bank.
Consumer complaint received 2020-10-20
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. (WA)

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company XXXX XXXX has formally submitted a mortgage condemnation XXXX to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage  company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. https : XXXX! XXXX? XXXX
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (GA)

I'm submitting a complaint against Sequium Asset Solutions or XXXX XXXX XXXX, XXXX for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX  ) to ( Sequium Asset Solutions or XXXX XXXX XXXX. ) authorizing ( Sequium Asset Solutions or XXXX XXXX XXXX. ) to collect alleged debt. 

If debt was purchased from ( XXXX XXXX ) by ( Sequium Asset Solutions or XXXX XXXX XXXX ) provide proof of purchase and the amount that was paid. 

Show me that you are licensed to collect in my state, and provide licensed number if you are. 

I have yet to receive the requested information.
Consumer complaint received 2021-11-10
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: Mercedes Benz Financial Services (MD)

I am a victim of identity theft. My personal information was used to obtain credit without my knowledge. I notified all three bureaus in writing via USPS priority mail several times in XX/XX/XXXX. Both the inaccurate addresses, as well as fraudulent accounts still show on my profiles. My rights have been violated as a consumer and I am requesting legal action to remove those accounts immediately.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections. My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. I have tried credit repair bureaus and have sent numerous documents to all three credit-reporting bureaus that included-in the case of XXXX  XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.