davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastpoint Recovery Group, Inc (FL)

On XX/XX/2018 I received a phone call from East Point Recovery Group from a man named XXXX XXXX who wanted to speak to me about a loan that I took out from XXXX that got sent to their company to collect the debt. Speaking to him he openly admitted to me that he spoke to my 'estranged father ' who I haven't spoken with in years and who is no longer apart of my life about the debt that I owe, how much it is for, and the deal they are willing to offer me. My father is not on any documentation that would authorize them to call him or disclose my personal information to him and this man told me he was on the loan and was very easy to contact him and he did not go digging for him information to contact him ( not true ). I have never received a phone call from them before I spoke to XXXX XXXX on this day. While speaking with this man we had made a deal that I would speak with him in 2 weeks on what I will choose to do as I need to find a way to come up with the money. During this conversation and in later conversations they had told me multiple times there will a good possibility I will be litigated against if I do not settle this debt soon. Days later I spoke with the manager of this company named named XXXX XXXX. They had called me multiple times days later after I had agreed to speak with them again in 2 weeks. These dates they called me were on XX/XX/XXXX and XX/XX/XXXX. When I finally called them back XXXX XXXX was more aggressive with the matter saying they need to figure this out in the next couple days, threatened the possibility of me being sued, etc.. I had asked her for an invoice on how they are coming up with the amount I owe ( {$3300.00} ) and she said she cant legally give me that. I asked her to send me something in the mail showing me they are allowed to collect this debt and she said they can't mail me anything again because they already tried but I never received anything in the mail and are legally allowed to mail me again. I asked for original documentation of me signing for this loan ( just trying to find anything to show me some proof they are allowed to collect the debt ) and she said they don't have it. I was then emailed that day documentation of me signing for these paper with the papers being a XXXX and with my E-signature on it but I never authorized anybody to do so, this loan was approved in person with my own personal signature. Also on these documents she sent me there is other false information on there saying I signed for this loan at a certain time which is false, an email from XXXX that is false, and a credit score of mine when the loan was approved which is also false.
Consumer complaint received 2017-01-31
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

I was reviewing my credit bureau reports and noticed many inaccuracies and items that I did not recognize. I contacted this company by mail on XX/XX/2016 asking them to provide documentation with my signature validating that this is indeed my debt. They have refused to provide documentation verifying the debt that they are trying to collect is mine. I have given them more than 30 days to get back to me. I reached back out to the credit bureaus and they instructed me to file a complaint with you all since the creditor will not respond to my communications, and is continuing to negatively report me to the credit bureaus with no documented proof. Attached is the letter that I sent over to them.
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: RLB Texas Auto Center LLC (TX)

in XX/XX/XXXX i requested for my pay dates to be changed. XXXX asked for me to send over proof of my pay dates. i did that. i asked her if my payments could be every month, she said the only way she could do that is if i make a months payment. i made the {$500.00} dollar payment. ive paid the {$500.00} payment in XX/XX/XXXX and XX/XX/XXXX. now onXX/XX/XXXX they turned my car off XXXX stated that i needed to make a {$250.00} payment inorder for my car to be turned back on because XXXX was out of the office. i then asked to speak to a manager. she stated that she would turn my car on and that i needed to call back the next day to speak with XXXX, the person i initially made the agreement with. a verbal agreement is just as good as a written agreement. on XX/XX/XXXX they turned my car off so i called XXXX and tried to see what was going on. XXXX stated that she never agreed to anything like that, she also stated that i would have to make a " good faith '' payment of {$150.00} in order for them to extend the rest of the payment for the XX/XX/XXXX. she was very rude and wouldnt let me get a single word out. she just kept denying the agreement. and my car is off.
Consumer complaint received 2015-08-07
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (CA)

I tried to open a online savings bank account with Ally Bank with my Individual Taxpayer identification Number and after a phone call follow up i was asked for a image of my social security card. I informed the customer representative that I did not have a social security card, that all i had was my Individual Taxpayer Identification number and she proceeded to inform me that it was not possible to to open my savings bank account with only my Individual Taxpayer Identification number.
Consumer complaint received 2022-08-06
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. (FL)

I recently checked my credit reports and learned that an account in good standing had been removed from my credit report without my authorization, knowledge or in error. This has significantly affected my credit score and ability to apply for new credit. I ask that this account be placed back on my credit reports. This should be reported by law until XX/XX/XXXX. 

Account info Account name US DEPT OF ED/XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXX 2027
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

This is a new complaint. I have requested a WET INK signature validation for this debt on XX/XX/17 via CFPB. I received a copy of a statement for an account that has yet to be verified by the WET INK signature requested. According to Tennessee state license verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from all credit bureaus. The collection amount reported is {$370.00}
Consumer complaint received 2016-10-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

1. I am making payments on my mortgage every 2 weeks before the payment is due and the bank is not reducing the principal until the second payment is reached. 
2. I contacted the bank and they say they do not apply partial payments, however the payment is being paid before the due date 3. I spoke with XXXX XXXX says I do n't have to pay that way if I do n't like it
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I attempt to get free annual credit report and unable to get it online. I called XXXX and number provided on website the department is closed when hours are XXXX - XXXX EST. I always have a problem trying to get my free credit report. I need help.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I attempt to get free annual credit report and unable to get it online. I called XXXX and number provided on website the department is closed when hours are XXXX - XXXX EST. I always have a problem trying to get my free credit report. I need help.
Consumer complaint received 2017-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX received Notice of Levy from Bank XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.
Consumer complaint received 2024-02-20
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. (VA)

My identity has been compromised since before 2008 when I was XXXX  for XXXX XXXX  and people were opening accounts in my name and it has not stopped since. I really noticed the extent when I went to file taxes and they said someone already filed in my name. Also XXXX benefits, and who know what else that I have-not found or seen yet.
Consumer complaint received 2019-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I am a graduate student who took out a small student loan in XXXX through Navient and have been trying to pay it back early to save on interest. The original loan was for {$6500.00} in XX/XX/XXXX and to date i have payed ~ {$4000.00} back. I recently check my balance as i was planning on just paying the dividend and being done with it but when I checked my balance it said that i needed to pay it said I still owed {$5100.00}. I graduated XXXX inXX/XX/XXXX and started my phd work inXX/XX/XXXX. I believed my loan should have been in deferment with the exception for that one year period but of the {$4000.00} I have payed only a bit over {$1000.00} has actually went to the principal and the rest has repeatably gone to the " interest '' that Navient said would be expected if I payed it at their time schedule. Now if i want to pay the loan off today they are asking for a total of XXXX {$9000.00} for a {$6500.00} loan with only one year of interest. That doesn't make since. The federal student loan interest rate is 6.8 % and I am willing to pay that for the year that it was garnering interest but this price is drastically off.
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (MN)

Started receiving phone calls from Sunrise Credit Services. Stated they received my debt from XXXX XXXX. I have active service with XXXX. I called XXXX they stated they do n't have me in debt with anyone. Sunrise Credit Services continues to call me. They did not have my address so they claim they could not send me out a Proof of Debt letter. I gave them my address. They refuse to send me out a valid Proof of Debt letter. The lady said she could email it to me. Gave her me email address. No proof of debt letter. To this date they HAVE NOT sent me out a valid proof of debt letter which is legal under the FDCPA Debt Collection Act. 

They have put this erroneous debt on my credit which is in clear violation. I am requesting that they take this collection off of my credit report before I get my lawyer involved and sue them for violation of the FDCPA Debt Collection Act.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have read the terms and conditions of all of my credit accounts and have learned they will not share my non-public personal information ( per 17 CFR 248.3 the definition of non-public personal information includes personally identifiable financial information, which is account balances or transactions ). I have contacted the companies in which I have accounts with and have asked to opt out of any disclosures of my non public personal information to non-affiliated third parties. The protections of 17 CFR 248 require a clear and conspicuous opt out opportunity for the disclosure of Non public personal information, which I did not receive. Of course, where these laws overlap, the Fair Credit Reporting Act supersedes these laws. The definition of a Consumer Report per the Fair Credit Reporting Act is : any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living and specifically does NOT include transactions and/or balances. XXXX obtained this information in a non compliant disclosure of my information and I requested they remove this specific information from their systems and my consumer report and they did not comply.
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Comerica (WI)

I have a direct express card to receive payment for some one im payee for. Their payment card expired and im supposed to get one sent automatically. They never sent it. I tried calling all day from monday XX/XX/XXXX to wed the XXXX it kept saying its a high volume of calls. My recipient ended up calling ans gtting through on threeway. The lady ad she would expesite the card after i ecpressed my issue with them not answering she confirmed my address and phone and stated the card would be expedited for XXXX and and she confirmed my phone number and said she would send the tracking number ... and tht the card would cm friday on Friday nothing came so i waited Saturday nothing came now its Monday and nothing has come. I can not pay bills or buy hygiene or food for my recipient.. i have called all numbers available and everyone tells me to call XXXX they are to this moment saying theres a high volume of calls and it hangs up i dont kno what to so but to keep calling ive called 103 times today already and last week im sure i called 1000 times..i dont kno what else to do so i figured id file a complaint
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank (AL)

Synovus Bank has locked my online checking account access and is not allowing me access to funds transferred to the bank to fund the account by ACH. I was notified of these actions through emails on XXXX/XXXX/21. I have since contacted the bank 3 times now and nobody can/will tell me what is going on and refuse to let me talk to the department in charge of locking my account. Also, I am being told that my account may remain in this status up to 60 days, which is unacceptable.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/2020 I mailed 2 separate checks to USAA Savings Bank : a {$70.00} check for payment on one credit card and an {$80.00} check for payment on another credit card. These 2 checks total {$150.00}. The bank erroneously applied {$150.00} to one of the credit cards. The bank negligently did not apply the {$80.00} to the other credit card.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Toyota lease on a XXXX XXXX XXXX, 2 years, 24,000 miles. Extended the lease for 6 months as of XX/XX/XXXX. Turned in the vehicle on XX/XX/XXXX, with 22,867 miles on the odometer. Car was in perfection condition. Received a bill from Toyota Financial Services dated XX/XX/XXXX, for {$970.00}, this includes the disposition fee of {$350.00}, a {$560.00} charge for a cargo cover, and a sales tax fee of {$57.00}. I was told that the disposition fee would be waved if I purchased/leased another Toyota within 30 days of returning my previous vehicle. I entered into negotiations on a new Toyota on XX/XX/XXXX, but the dealer did not have the car I wanted in stock, which I 'm waiting on. Toyota Financial says " Too late '' and I have to pay the {$350.00} disposition fee. The cargo cover charge far exceeds the actual cost to the consumer for a new cargo cover, listed at {$190.00}, on Toyota 's website, and genuine replacement cargo cover on XXXX for {$100.00}. I 've asked for a receipt for the cargo cover once they receive payment and at first they declined. I pushed them for a receipt and they said that they would look into whether or not they would provide me with one. I may be able to negotiate the disposition fee with the new dealership I 'm working with, or I may simply decide to buy a car from a different manufacturer especially since I believe Toyota has charged close to 3 times what the cargo cover actually costs.
Consumer complaint received 2021-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST ADVANTAGE CORPORATION (VT)

Someone named XXXX XXXX randomly emailed me on XX/XX/XXXX stating, " This is to advise the above subject account is scheduled to be reported to the 3 National Credit Bureaus on or before XX/XX/XXXX. There is still time to resolve the balance prior to reporting. Please call me by Friday XX/XX/XXXX so we may discuss available options. '' The email subject was part of the name of an apartment complex I lived in and moved out of three years ago. The apartment complex is horrible with communication and paperwork so I assumed this was a scam and tried calling them multiple times but never heard back. 

I received an email from XXXX XXXX on XX/XX/XXXX stating my credit score dropped. I took a look and this company is claiming I owe over $ XXXX ( according to XXXX XXXX. The only information I have is based on assumptions. ). I've literally never paid rent late in my life and don't owe anyone any money. I'd never heard of this company and had never received anything indicating I was past due with any accounts associated with my time living at that apartment complex ( because I don't owe them money ). I have a signed agreement from XX/XX/XXXX releasing me from any future liability with that apartment. 

The email I received was the first I ever heard anything about a claim to owe money ; the communication failed to state what it's in relation to, who XXXX was working for or with, the amount thought to be owed, or my rights to dispute the supposed debt. I don't know if she even knew my name- the email showed no indication this was actually meant for me. All of that is in direct violation of the Fair Debt Collection Practices Act. I don't even know what this supposed debt is related to. All I know for certain is the subject of the email was part of the name of a former apartment complex I moved out of three years ago.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear Transunion, I recently received a copy of my credit reports. The credit reports showed payment history of 5 missed payments from the US Department of ED. I contacted the US Department of ED and they were unable to verify the information. I was told by the US Department of ED was not in charge of my Loan, it was XXXX ( XXXX ). I immediately contacted XXXX and they were unable to verify the information. This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the information in my credit profile due to its damaging effects on my good credit standing. Because of this information on my credit report, I have been wrongfully denied credit recently for a home loan which was highly embarrassing and has negatively impacted my lifestyle. 
I called transunion on XXXX XXXX at XXXX and recorded the conversation. I was told by XXXX employees that they do not control the informations that creditors sent them. It was not Transunion job to verify if the informations are accurate or not. I indicated that the phone number listed for the creditor was a non working number and requested more informations to help him verify the informations but was denied. I was offered to put a dispute on the account as a resolution. I informed the rep that it was not helping me because this inaccurate informations are impacting my life. 
The following information needs to be verified and deleted from my credit report as soon as possible : U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX Please delete the above information as quickly as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Someone used my name and credit information to open a XXXX credit card at a XXXX ' in XXXX, LA at store XXXX on XXXX/XXXX/15. I called the fraud dept at XXXX and the card has been closed. I filed a police report in my town. I got in contact with the XXXX credit bureaus to put a XXXX fraud alert on my account. When I get the police report, I will extend this to 7 years.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XXXX of 2021, I mailed a letter demanding for all 3 credit companies to update my correct name and home address. I also sent a copy of my social security card and driver 's license with correct information. I demanded them to remove all incorrect address and name. Which they file to do so.