davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting 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. (NC)

I XXXX XXXX have not applied for any lines of credits or any loans. I'm also a XXXXXXXX XXXX and don't share my SSN or any personal information with another entity. I believe someone misused my information without my authorization and I have placed a fraud alert on my account. I have sent CFPB complaints about the unauthorized and unverified information and hard Inquiries. I called Transunion about the hard inquiries that's on my report and I stated I didn't authorize them, and I called the companies to have them removed. A representative stated that I needed to send in an FTC complaint, and I told her I did that she then pulled up the date I called previous and stated they didn't receive the complaint, but she sees where I called back within the last 90 days about the same issue. XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX dates i sent complaints on this same matter. 
The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from your credit report.
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

I have been attempting to pay off a mortgage now held by Rushmore for 7 months. 

They have received all the required information from me and have confirmed that they have what they need. 

I have faithfully paid the mortgage every month. 

In spite of repeated requests by fax and telephone ( hours on hold on their phone ) to supervisor XXXX ( XX/XX/XXXX and others ), and representatives XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( ,XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) who promised they would email or fax the payoff information within hours, nothing ever comes true. 

I wish for your offices to compel this company to provide pay-off information immediately.
Consumer complaint received 2020-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MO)

I've received a letter from Jefferson Capital about a credit card I've never had. The name on the card is wrong. They have XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I am receiving collection calls from a third party, usually they hang up when I answer. However when I call back I am on hold for a long period of time. When the rep answers they do not identify themselves instead the rep answers the phone saying can I help you? After they go through their authentication script I find out its in reference to a loan I took out in 2008, for more than double of the amount, which was discharged in my Chapter XXXX Bankruptcy. The rep then tells me that they will make a note that I am refusing to pay and to call back with my Bankruptcy reference number. In the past I have asked for written proof of the debt and I have even asked then to cease and desist from contacting me. To date I am still receiving hang up calls.
Consumer complaint received 2016-04-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX XXXX 2017 I went to chase to open a chase liquid account whitout know that the banker that was helping me applied for a credit card for me without my consent i just received a letter stating that my credit card application was not approved and i was confused because i have never applied for a credit card that s not what i went for.
Consumer complaint received 2020-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cooling & Winter LLC (GA)

XXXX XXXX was in XXXX  at the time XXXX XXXX account was opened. Cooling and Winter Attorney have the debt and a judgement was placed on me. I sent verification showing date and time I had to self surrender to XXXX XXXX XXXX in Alabama. I also submitted a police report stating I was a victim of identity theft. I also submitted a signed affidavit stating I am a victim of identity theft. Lastly I submitted verification showing when I returned home from prison. This company refuses to remove this fraudulent account and the judgment placed on me.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I have an account on my Equifax report that has been deleted twice and has now returned for a XXXX time. 
XXXX time : XXXX-removed on XX/XX/XXXX, 2016 XXXX time : XXXX - removed on XX/XX/XXXX, 2016
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (KY)

First Advantage XXXX criminal file states I was XXXX  for XXXX   XXXX  XXXX  XXXX  on XX/XX/2016 in XXXX, PA XXXX. I have never been nor lived in XXXX. I would like this removed as it is clearly not me. I have never been arrested for any kind of assault on anyone.
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. (TX)

I have received a copy of my consumer report and noticed there is a discrepancy on the report that need to be corrected. 

Please be advised that per 15 USC 1681b, the information that you are furnishing is to be in accordance with the written instructions of the consumer to whom it relates. Enclosed are my identification documents showing that this report is concerning myself and below are my written instructions. 

On my consumer report, XXXX XXXX shows an inquiry dated XX/XX/XXXX. The inquiry dated XX/XX/XXXX is not authorized to be reported on my consumer report as it does not involve an extension of credit. Per 15 USC 1681b, Transunion is not authorized to report the inquiry as it was not for a firm offer of credit. I am demanding that the entry be deleted from my report. 

On my consumer report, XXXX XXXX shows an inquiry dated XX/XX/XXXX. The inquiry dated XX/XX/XXXX is not authorized to be reported on my consumer report as it does not involve an extension of credit. Per 15 USC 1681b, Transunion is not authorized to report the inquiry as it was not for a firm offer of credit. I am demanding that the entry be deleted from my report. 

On my consumer report, XXXX XXXX XXXX XXXX shows an inquiry dated XX/XX/XXXX. The inquiry dated XX/XX/XXXX is not authorized to be reported on my consumer report as it does not involve an extension of credit. Per 15 USC 1681b, Transunion is not authorized to report the inquiry as it was not for a firm offer of credit. I am demanding that the entry be deleted from my report. 


DO NOT DELETE ANY OTHER INQUIRIES!!!!!
Consumer complaint received 2022-10-04
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. (IL)

I asked for this to be removed off my credit reports and nothing has been done. It says that I lived at XXXX XXXX XXXX XXXX. XXXX IL and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX IL XXXX I never have and the City of XXXX is doing this to me I've tried to get to the Mayor XXXX XXXX because of the scandal that the City is doing to me and placing this on my credit report. I've never worked at XXXX, I've never had XXXX nor XXXX nor XXXX XXXX they also had me paying for parking tickets that were not mine.
Consumer complaint received 2015-11-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (CT)

I was approved for a loan in the amount of XXXX with Avant Credit last year around XX/XX/XXXX, however, I just realized they are charging an unusually high interest rate of XXXX % when my credit score was in the high to low XXXX range at time of approval. I do not believe my rate should be so high with that kind of score.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (NJ)

i received a call on my phone from a person claiming to be from Citi bank fraud department. This individual made inquiries into the charge on my account. This unknow individual was convincing and ultimately was able to convince me that he was going to transfer {>= $1,000,000} into her account which he gains access to. He then had me transfer through XXXX $ XXXX an outside account. This individual becomes rude after being on the phone for about half hour. I called Citi bank and learned that I was not talking to Citi bank associates but rather had been the victim of a fraud.
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC. (OK)

Im not for sure if the day but I think I was sue and never gotten a court paper on it so I'm afraid that I will be arrested and I want to see what to do in order to keep myself out of jail. I do have a job and I don't want to lose it or anything else.
Consumer complaint received 2018-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

To Whom it May Concern : I have been dealing with Financial Credit Network ( FCN ) for several months now. This is in regards to ( 2 ) accounts with them -- XXXX and XXXX. Please be advised I have MUCH documentation if requested. When I first received collection notices, I immediately disputed the attempted debts as 1- I had no knowledge of the presumed debt ; 2- the presumed debt did not belong to me ; 3- I did not agree to either of these presumed debts. I asked for ALL documentation listed above. I have sent ( 3 ) certified letters regarding each listed account. FCN says they have confirmed the debt, but has yet to show me ANY of the information I listed above. THEY HAVE NOT PROVIDED ANYTHING WITH MY NAME. Not one document. NOT one document stating that I had knowledge of the debt. NOT one document stating that the debt belongs to me. NOT one document showing that I agreed to this debt. They are unable to provide this documentation because it does not exist. The debt does NOT belong to me. I did NOT agree to this debt. I am NOT responsible for this debt. 
On a letter dated XX/XX/2018, FCN wrote " they confirmed when XXXX went in for services you told them your insurance would be paying. '' First off, I have NEVER spoken with anyone at that office. And secondly, when does " you told them '' count as proof even if it was true. The letter also states " Unless our office received supporting detailed documentation from you providing you not responsible for these charges, we will consider all these issues addressed. '' This is illegal. The burden is on them to provide PROOF that I had knowledge of, the debt is mine and I agreed to this debt. Again, they provided NONE of that information. And now they want me to provide detailed proof the debt is not mine. I sent proof ( 3 ) times in the form of disputes asking for ANYTHING that proves the debt is indeed mine. 
They have violated my rights, several times now by continuing to collect on debts that they have FAILED to show that I am liable for. They claim they have sent documentation, but the few papers they have provided, DO NOT SHOW MY NAME OR INFORMATION ANYWHERE. They have called me when I sent a cease and desist letter. I have spent time and money sending repeated letters that have yet to yield ANYTHING with MY name on it at all. They have threatened me with negative credit reporting. They have placed the burden of proof on me, yet they are a collection agency. 
I am looking for action. I am looking for immediate resolution in this mater. The resolution I am seeking is that this matter is dropped ( obviously ). I am looking that FCN is held accountable for their uncompliance with the FTC/FDCPA. 
Please let me know you need any correspondence I have received and/ or sent. 
Thank you for your attention to this matter.
Consumer complaint received 2020-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I requested forebearance assistance about 2 weeks ago due to COVID 19 and to date have not heard anything. I did this on the internet website 53 baNK has. tHERE IS no one that picks up the phone in loss mitigation. I have still not heard anything and I need help
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (MO)

XXXX XXXX, XXXX I opened a XXXX credit card. On that same day I paid the balance off with cash. Roughly 2-3 months later I started receiving calls from Comenity Bank collections. Returning their call I discovered that I had an outstanding bill regarding the XXXX purchase plus interest and that they had the wrong billing address on file. I told them I had the receipt ( attached ) that showed that I had paid the balance off with cash that day. They told me to submit a copy of the receipt to their billing dispute department. I received a letter XXXX/XXXX/XXXX ( attached ) roughly stating they were investigating the dispute. I then received a billing statement that showed all charges were credited ( attached : billing due date XXXX/XXXX/XXXX ). On XXXX/XXXX/XXXX another letter ( attached ) from Comenity Bank was issued to me stating that, ' '' LOFT has indicated that they were unable to collect the cash for your payment and the payment was void ''. I then received another billing statement ( attached : Due date XXXX/XXXX/XXXX ) showing the charges were placed back on the account. I called Comenity to dispute the charges again. They told me to re-submit my receipt which I did on XXXX/XXXX/XXXX. On XXXX XXXX I received another call from Comenity XXXX. I returned the call that day. I asked to speak to a supervisor and was transferred over. The supervisor stated that they were confused as to why the XXXX was not cooperating with this resolution since I clearly had the receipt proving that I had paid against the account in full, and that she was 'going to take care of this even if she had to take it off herself '. They stated that I had sent everything to them correctly. They asked that I call the XXXX ( Ann Taylor ) corporation to see what they told me regarding this dispute. On XXXX/XXXX/XXXX I called XXXX corporate office and finally received the name of a person that may be able to help. She was not in the office. I received another billing statement today XXXX/XXXX/XXXX ( attached ).
Consumer complaint received 2017-11-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MN)

I was recently notified by Equifax that my info was included in the hack of their database. So I signed up for credit monitoring service through them and I tried to file a dispute online about some accounts. When I submit info however the verification questions that come up have nothing to do with me so I have to answer each one does not apply and cant get my identity confirmed to dispute items on my credit report. I brought this to there attention and was told id have to do it over the phone. But when I call them to do it that way they ca n't do it either and tell me I have to file online. Its XXXX XXXX and this company is so incompetent they should never be in charge if peoples credit info
Consumer complaint received 2017-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MO)

I am refinanced XXXX student loans totaling $ XXXX in using XXXX, the loans were originally serviced by Navient. XXXX was excellent to work with and the application process was smooth, with a rate that is excellent. 

XXXX issued the funding payment. 

XXXX - The XXXX payment sent to Navient was applied to only XXXX of my XXXX loans, against instructions provided by XXXX to pay down all loans. This created a ~ $ XXXX positive balance on XXXX of my loans, and approximately $ XXXX outstanding balance on my remaining XXXX other loans. 

XXXX - Navient debited my bank account {$960.00} as usual for my monthly payments even though my cash position as a whole was positive with Navient ( the positive balance on my loan was greater than the negative balance on my other XXXX loans ). 

XXXX - the positive balance on my XXXX loan was reapplied across all outstanding loans. But I am being told it will take XXXX weeks for them to refund me the {$960.00} Navient debited on XXXX. I am out almost $ XXXX for a month now!
Consumer complaint received 2020-05-07
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. (FL)

After months is disputing XXXX XXXX on my credit report I final had the lender submit proof that they are incorrect and because of a pending appeal I have with the XXXX XXXX XXXX district Court they will not validate or submit payment information i send Experian proof and they refuse to acknowledge my claim. The just re dispute the information if the information is inacurrate and the lender responded to my claim and I submitted that information to experian, and it has not been corrected then the information must be deleted i have been calling and sending verification request and neither the lender nor Experian have taken the time to review my continuing dispute. At this time they violated my rights and I demand the trade line be deleted.
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XXXX XXXX I receive a letter from Toyota Financial Services indicating my request for Extension on the unaffordable monthly payments of {$480.00} until XX/XX/XXXX as I was trying to trade my XXXX XXXX XXXX at the XXXX XXXX in XXXX California unfortunately Toyota Administration doesn't want to Acommondate me on my XXXX XXXX Act under Department of Justice. 

Now Toyota Financial Services Administration are Retaliating against me as I filed many Federal CFPB complaints against them and wants to Repo my vehicle and ruin my credit and credit scores by reporting to XXXX, XXXX and XXXX. 

I respectfully seeking a affordable payment of around {$300.00} a month no higher than this as I can only afford {$300.00} to {$330.00} monthly payments. 
XXXX XXXX XXXX is at {$14000.00} and XXXX, California will not pay Toyota Financial Services {$23000.00} as car value on XXXX XXXX XXXX has decreased. 

Also, I didn't authorize or gave Consent to Toyota Financial Services to pull my credit for a Retail Extension I was provide with a Extension on XXXX XXXX according to evidence on various filed complaints against Toyota Financial Services Administration. 
CFPB filed complaint on XXXX XXXX and back around XXXX XXXX with CFPB Complaints Case # XXXX ... ( File case # XXXX on XXXX XXXX CFPB case # XXXX I am been Retaliated and Discriminated by Toyota Administration because of my National Origin XXXX XXXX  American and my XXXX Status. 
I am respectfully XXXX Lifetime and a XXXX XXXX XXXX XXXX Veteran. 

Toyota Administration and XXXX are in violations of Federal and State Laws.and violations of my XXXX XXXX  Act under Department of Justice.

Toyota doesn't have the right to pull my credit for a payment Extension and XXXX  allowed them to do it and I didn't sign no documents for a credit pull. 

Toyota Administration denied Extension. 

Does Toyota Administration has a business partnership with XXXX, XXXX  and XXXX? 
I am respectfully requesting a Federal Investigations against Toyota Administration and XXXX XXXXmmediately. 
I will send a email to US Senator XXXX XXXX  on this Retaliation and Discrimination of Toyota Administration and XXXX.