davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TD BANK US HOLDING COMPANY (IL)

I am writing to formally dispute the entry of the auto voluntary repossession on my credit report, as per the provisions outlined in the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681 a ( 2 ) ( B ), which details exclusions from a consumer report. 

Under this statute, any credit transaction that should be excluded from a consumer credit report includes instances where a social security card was used in the transaction. It has come to my attention that the entry regarding the voluntary repossession of my vehicle is in direct violation of this provision. 

I assert that the transaction in question involved the use of my social security number and therefore should not have been reported to any credit reporting agency. As such, I am requesting immediate removal of this entry from my credit report. 

I have enclosed copies of relevant documentation supporting my claim, including proof of the use of my social security number in the transaction. I kindly request that you investigate this matter promptly and take the necessary steps to rectify the inaccuracies on my credit report. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolving this issue. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (ME)

I recieved my student in XXXX, the sum of XXXX. I paid my student loan off in XX/XX/XXXX, my final payment was XXXX. 
In XX/XX/XXXX, I started getting calls and letters that I need to pay almost XXXX, they were claiming that there was never a payment made in the XXXX yrs it took to pay it off. I have spoke to XXXX, XXXX XXXX, Navient multiple times, I have sent my XXXX XXXX XXXX that I paid the loan off. I have maintained that my record show it was paid, but I did tell then that I if they did some research and proved I owed XXXX, the. I would pay it, but all my record show i paid the loan off in XX/XX/XXXX. And they claim that that XXXX payment is the only payment they know of. So, over the years while u have been fighting with them since XXXX, I keep demanding a forbearance and tell them to do the research and go over the proof I have sent them. They never do, and I just received another letter staying i still owe XXXX. This has been going on since XXXX, I have provided my burden of proof that it was paid, and they still refuse to go through everything, still stating i owe XXXX. Every year I demand a year long forbearance, I inform them that I refuse to pay them another dime and to do their jobs and get the XXXX together. I am constantly harassed by them and it becomes very stressful and it has ruined my credit. I refuse to pay a loan that I already paid off. They say they will look into it, but they never do. Also for years they would take my federal tax refund, but yet still claim they have not received payments, those refunds total a couple XXXX dollars.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransWorld Systems, I am writing to formally request that TransWorld Systems cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as outlined under 15 U.S.C. 6802.

As a consumer, I am well aware of my rights to privacy and the protection of my personal information under federal law. According to the provisions outlined in 15 U.S.C. 6802, financial institutions are required to adhere to strict guidelines regarding the disclosure of nonpublic personal information to third parties. 

Upon review of my records, I have become aware that TransWorld Systems has been sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies without my explicit consent. This action is in direct violation of the regulations set forth in 15 U.S.C. 6802 and is unacceptable. 

I hereby demand that TransWorld Systems immediately cease and desist from any further sharing or disclosure of my nonpublic personal information to non-affiliated third parties and consumer reporting agencies. Furthermore, I request confirmation in writing that such actions have ceased, along with the assurance that my personal information will be handled in accordance with federal law moving forward. 
Failure to comply with this request will leave me no choice but to pursue legal action to ensure the protection of my rights and the safeguarding of my personal information. 
Thank you for your prompt attention to this matter. I expect a response within 30 days of the receipt of this letter. 

Sincerely, XXXX, XXXX
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a letter was sent to this company demanding verifiable information proving that this account belongs to me. This corporation did not send me any paperwork or information that would allow me to confirm that these accounts are mine.
Consumer complaint received 2020-04-06
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$530.00} XXXX  XXXX XXXX {$4600.00} XXXX  XXXX {$7800.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2017-11-17
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 credit repository is reporting incorrect, outdated information with regards to BANKRUPTCY CH-XXXX ref # XXXX. Item has been withdrawn last XXXX XXXX, my social nor my date of birth is not showing in relation to this item, all of which was verified by the court. Clearly, this credit repository 's information/records are outdated and the item was never investigated as my credit report shows. I kept records of my credit report from the day I disputed this item and downloaded new reports and the incorrect information still is reporting. This is a violation of FCRA.
Consumer complaint received 2021-07-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Byrider Franchising, LLC (MI)

I was denied an auto loan based entirely on my source of income being from XXXX XXXX XXXX XXXX. This is public assistance. I have been unfairly discriminated against by XXXX at CNAC Bank. Contact number is XXXX. XXXX said he is denying everyone on unemployment right now. I have over {$1800.00} a month in income. I can afford an auto loan. This is illegal discrimination. I tried reading the law to him and told him I would make a complaint, and he said " I won't hear from anyone. '' He is used to being able to break the rules and get away with it because he doesn't think you will do anything about it. I need a vehicle so I CAN get another job. I need help. 

They also will not provide me with a denial letter. I thought I had a right to a letter detailing the reasons why I was denied credit. 

This is the bank for XXXX XXXX
Consumer complaint received 2017-10-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MA)

Approximately XX/XX/XXXX I was offered the opportunity to refinance my mortgage loan with a reduction of the interest rate from 3.75 % to 3.25 % that would benefit me with a substantial saving of about $ XXXXper month. My payment was to be reduced to {$1200.00} from {$1400.00} monthly. On XX/XX/XXXX I refinanced my loan. Since I have made on-time payments. XX/XX/XXXX I received a notice stating that I had a shortage in my escrow account in the amount of {$1200.00}. You stated that the shortage was caused by a change in my taxes or insurance. At this time did you acknowledge that the error was your fault. 
I spoke with XXXX XXXX several times and XX/XX/XXXX she indicated to me that the title company had underestimated what the escrow amount would be at the closing. This error resulted in the eventual shortage and misrepresented figures that was instrumental in me making the decision to re-finance. She indicated that the tile source company was being notified to review errors. 
XXXX referred me to XXXX XXXX and I spoke to him and about my concerns. XX/XX/XXXX he confirmed that there was at tax error of {$400.00} and that Quicken Loans  would cover {$500.00} for the error. I made it clear to him that I am not satisfied with this and I expect the entire shortage should be covered by Quicken Loans because they made the initial mistake and it influenced my decision regarding refinancing. The refinance also added {$4000.00} to my balance for closing cost and added 4 years to the length of my loan. Having known that I would be saving {$30.00} per month and adding closing cost to my balance I never would have refinanced, the winner is Quicken Loans. At my request, XXXX referred me to XXXX XXXX. Her response on XX/XX/XXXX was the same as XXXX in a different format. XXXX referred me to you. 
In conclusion ; You made a mistake that ended up in costing me money and time spent trying to resolve this issue. You misinformed me regarding the actual cost of refinancing because of your error. You profited an addition {$4000.00} in closing cost and an additional 4 years extended time of my mortgage. You have had 3 different associates spend time trying to convince me that I should be happy that you are crediting me the money that you erred on. You boast how you are number in client relations and helping veterans. I dont think so. 
I am filing a complaint with the XXXXonsumers Finance, The Veterans Affairs and XXXX XXXX XXXX call for action to help me resolve this issue with hopes that you might step up and take responsibility for your actions and make sure that this is not a normal occurrence.
Consumer complaint received 2024-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (FL)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1.seqium ref XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

ON XX/XX/XXXX MY CAR XXXX XXXX XXXX. ON THE XXXX OF XXXX. I CALL CREDIT ACCEPTANCE AND TOLD THEM THAT MY CAR XXXX XXXX XXXX  AND THEY CAN COME GET IT AND MY GAP SHOULD PAY IT OFF THEY STARTED REPORTING IT AS A REPO THE NEVER REPO MY CARTHEY DECLINED THE PICK UP AND LABEL IT A XXXX XXXX BUT TOOK MY GAP OFF AND I STILL OWE THEM. 1 OWE {$31000.00} AND THEY OFFER A 70 % PAYOFF WHICH IS {$4700.00} TO BE PAIDED BY XXXX OF XXXX AND THEY KEEP POST ON MY CREDIT REPORT AS THEY REPO THE CAR NEVER I CALL THEY NEVER PICKED IT UP THE WAS CHARGE ME 28 % INTEREST RATE I DONT LIKE THE WAY THEY TREATED ME. IM TRYING TO GET A NEW ONE AND CANT BECAUSE OF THE CREDIT REPORTING.I WANT THEM TO PAY ME BACK ALL MY MONEY CAUSE WHY IM PAYING FOR A CAR I XXXX XXXX. IT WAS ON XXXXXXXX XXXX XXXX
Consumer complaint received 2017-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

1. Company name : XXXX on XX/XX/XXXX. I did not apply for any services from XXXX. I do not know who has my information but I did not authorize this. 

2. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. I was in the process of buying a home and could not apply for anything at all. 
3. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. 
4. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services and did not authorize this. 
5. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services with this company nor did I authorize this. 
6. Paid Tax lien of {$64.00} from XX/XX/XXXX. I spoke with a rep from Transunion about this and they refused to help. This was removed from my other credit reports and they would not let me explain anything or try to resolve this issue. My other Paid tax lien for a larger amount was removed with out a problem. 

Any my address is definitely incorrect.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (GA)

I called my servicer, NewRez, to inquire about a Covid forbearance plan on XX/XX/2024 at around XXXX XXXX. I had called on XX/XX/XXXX and was told that I would have to call back the next day. On XX/XX/XXXX, I spoke with someone named XXXX and inquired about the Covid forbearance plan and was told that it no longer existed. I was told that the only plan that she could offer me was to be 3 months in arrears and then to apply for a deferment. She said I could go to the website for any additional information. My mortgage statement had specifically said to call the number I did if we were affected by Covid-19 and struggling to make payments. My wife works in the XXXX  industry in origination and fortunately knows more about the forbearance plans than I do. She was able to find the option hidden on the website in our account ( not on the main page ) to apply for Covid forbearance. I feel like this was very misleading and if she hadnt known that the option existed, I might have been mislead into making a very bad decision for my credit and my home ownership. I dont want other people to fall into this trap.
Consumer complaint received 2019-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (AR)

In XX/XX/ 2018 I was a victim of Identity theft. 
My XXXX XXXX XXXX banking account which I had on file was compromised. 
After several attempts to correct the issue I had to close the account and start a new account. 

All of bills were paid using this bank. This cause issues this payment to this card. I did get this corrected. But now I use my XXXX XXXX banking account. 

As a XXXX XXXX I was affected by the XXXX XXXX. With no income I did attempt to make a payment of {$15.00}, {$20.00} of what I could afford. 
I spoke to representative and informed them of my situation. 
I was told late fees would be added to the account. 

As I need time to get back on my feet. My husband is XXXX XXXX too so this XXXX affected our household. 

Also I was able to access the FTC site during the shutdown. It gives the information for Identity theft to show I filed and I have a case number. 
This program was shutdown at the time, I would like to get my account back on track. 
No card closure If u can see before I was able to pay with no issues I can provide any additional information as needed.
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MS)

I have XXXX collection accounts by XXXX, XXXX and XXXX. The Account History on both shows debt included in Bankruptcy on XXXX XXXX XXXX. My bankruptcy was filed on XXXX XXXX, XXXX, the Chapter XXXX was converted to a Chapter XXXX and discharged on XXXX XXXX, XXXX. The Bankruptcy ID number is XXXX. 
My attachment will reflect this. I have disputed this information but they refuse to update the correct date. I did n't file bankruptcy in XXXX, it was back in XXXX. 
On XXXX it lists Account History shows debt included in Bankruptcy on XXXX XXXX XXXX, which is the discharged date, not the date the bankruptcy was filed on XXXX XXXX, XXXX.
Consumer complaint received 2016-02-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (IA)

I demanded verification/validation of account status, amount, original creditor and copy of the contract. I demanded removal of unauthorized inquiries on my report. they refuse to validate/verify accounts and inquiries and they refuse to delete incorrect information and are causing great harm to my ability to obtain credit.
Consumer complaint received 2021-07-06
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: TD BANK US HOLDING COMPANY (TX)

To someone in a position of authority, I am making a formal complaint because TD XXXX/XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX  ; I made a formal complaint with XXXX, and TD  XXXX/XXXX XXXXXXXX and they both failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my XXXX  report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Consumer complaint received 2017-10-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (CA)

I have changed my phone company and internet service from time warner to XXXX XXXX XXXX the internet was disconnected first and I went to the time warner office to turn in my internet modem they would not take it, " they said the whole service had to be disconnected before anything was turned in ''. I did not get a reference number saying I was trying to turn it in. 
All I have a new bill of when my new service was connected. I received a very large bill and made a phone call to the company and told them it was not right. I would a proper bill for what I really owe from my previous service. They assured me they would take care of it and send me one. That did not happen. 
Nothing was received from them, until a collection agency sent me emails trying to collect and not sure if that is proper to send that to my business email. 

I responded back and they informed me I did not cancel in time, which I did try and the company would not let me. This was verbal I guess I need a reference number for all conversations now? 

XXXX XXXX of XXXX is when the new service was connected for the phone lines. XXXX XXXX is when the fax line was installed and when I tried to being the modem back. 
I am getting charged for service stopping XXXX XXXX that is a month of service not used and going to collection to boot. 

Even my phone calls and many attempts to bring the modem back on my lunch hour did not work. 

There was a sign on the door closed for lunch. So I called 2 times, and finally called again they finally came and took the equipment. On XXXX XXXX. There was no contract with time warner.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

In XXXX XXXX, I requested that my loans be placed in forbearance through XXXX of XXXX because I would be away for military training ( XXXX ), and also that the military 's student loan repayment program will soon pay their share of my student loans. I was told that they would be ; later in XXXX I discovered that they were not and this adversely affected my credit score. I called the company to complain and a supervisor said that he would check the tapes to verify my claim that a representative from the company assured me that the loans would be placed in forbearance during this time. I did not hear back from the supervisor, but I did receive a letter from the company stating that my loans were approved for forbearance from XXXX XXXX, XXXX to XXXX XXXX, XXXX. This letter is dated XXXX XXXX, XXXX. Although my forbearance was approved, XXXX refuses to correct this on my credit report because the letter is dated for XXXX. I have consistently paid my account with them ( and all of my creditors ) on time, except for the two months that I thought the loans were in forbearance. I submitted a letter of good will pleading my case, and the company told me that they do not grant good will exceptions in any case after I called them twice to check on the status of my request. I have also disputed this issue numerous times, and each of my disputes were rejected.