davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (TX)

I have a dispute in place with XXXX XXXX. It has been ongoing ever since they charged me more for my per kwh than I agreed to. I have been trying to settle this with XXXX ; however, I have been unsuccessful. They sent this issue to IC Systems Collections while it was still in dispute. I am requesting that IC Systems remove this collection from all three bureaus as it is being unlawfully reported. I also contacted IC Systems and they hung up on me. IC Systems has no right to show this on my bureaus since it has been in dispute.
Consumer complaint received 2020-05-15
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020
Consumer complaint received 2022-12-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MI)

We had an accident with the car and the insurance paid Santander in full, we received a lien satisfied letter twice. I have called several times because they are reporting it as a charge off which has damaged my credit. It's also impacting my financial life and limiting credit worthiness.
Consumer complaint received 2020-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

Bayview Loan Servicing is the mortgage company. They have put " forced '' homeowner 's insurance on the loan. Despite the fact that I have provided proof of homeowner 's insurance through XXXX XXXX XXXX XXXX proof was faxed in XXXX to both their insurance and customer service departments ), made a follow up phone call in XXXX XXXX they stated they were " still reviewing '' ), the forced insurance was still on the XXXX invoice, and now I am in receipt of the invoice for the XXXX payment and the forced insurance is still present. This is over {$200.00} in forced insurance fees that should not have to be paid. I sent a letter on XX/XX/XXXX both electronically and via regular mail advising that if the forced insurance was still present on the statement for the XXXX payment a complaint would be filed. The letter also contained, yet again, a copy of the declarations page for the XXXX XXXX policy. Bayview has made no attempt to rectify this or reach out and discuss the matter.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The capital one credit card has been sending unlawful credit cards to the American XXXX XXXX on the soil under the public law violating the privacy act of XXXX XXXX XXXX XXXX I am under the sovereigns immunity act of XXXX and have removed all obligations with the territorial and municipal government ; I have removed my birthcerificate with the fiduciary of the us treasury department and have notified the us state department XXXX have this document per the constitution of florida 222.17 domiciled in the XXXX america with the American political status and XXXX XXXX XXXX report under the laws of XXXX. Remove all contracts with this name XXXX XXXX XXXX XXXX or any assumed names stated in the pictures. Fees for extortion of social security card and birt certificate are in the fees of intent.
Consumer complaint received 2024-11-08
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. (TX)

I am writing to formally dispute the listing of a voluntary surrender related to account XXXX XXXX XXXX XXXX XXXXon my TransUnion credit report. I believe this information is inaccurate and/or unverifiable, which warrants its investigation and removal under the Fair Credit Reporting Act ( FCRA ). 
According to FCRA Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure that all information reported is accurate, complete, and verifiable. I request that TransUnion verify the accuracy of this voluntary surrender, including ensuring it is supported by appropriate documentation from the original creditor.

If the creditor can not provide verification that the account is being accurately reported as a voluntary surrender, FCRA Section 611 ( a ) mandates that this item be removed from my credit report within the required 30-day investigation period.

Additionally, FCRA Section 623 ( 15 U.S.C. 1681s-2 ) obligates data furnishers to report only complete and accurate information. If the original creditor has failed to properly maintain or verify records substantiating the voluntary surrender, I request that TransUnion delete this entry from my report promptly.

The listing of this account as a voluntary surrender has had a negative impact on my creditworthiness, and I am committed to ensuring that my credit report reflects only accurate and complete information. Please provide me with written confirmation upon the completion of your investigation, along with an updated copy of my credit report reflecting any corrections.

Thank you for your prompt attention to this matter. I look forward to your response within the FCRA-required 30-day timeframe.
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NJ)

In XX/XX/2020 this company reported my account as 30 days late. I pay all payments through their app and didnt receive a payment alert nor a phone call indicating it was late. I want this payment to be reported as current. This company also reduced my credit limit by 50 %. I want my {$5000.00} limit restored.
Consumer complaint received 2020-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (KS)

I attended XXXX University, XXXX, KS to receive my XXXX degree. I have been paying on my student loan since 2006. We were making our payments and expected that some of the money would be applied toward the principle of the loan. The loan service company kept increasing my payment amount. We kept making payments. I taught at a high risk school XXXX XXXX  for 5 years and applied for the loan forgiveness. This was never applied to my loan from my school district and they said my loan didn't qualify. A few years later, I got sick with XXXX and again the loan amounts kept increasing. We were trying to juggle payments of medical expenses with the expense of my school loan. I then asked for a forbearance time on the loan. At this time, we found out that no monies has ever been applied to the principle of the student loan. It is still the exact same amount that it was in 2006 when I started making payments to this loan. When I have asked them about why there is no money being paid to the principle they said the loan terms can not be changed. I told them that doesn't even make sense. When you apply for a car loan or house loan you pay interest and principle with gradual reduction of interest amount and more money being applied to the principle throughout the age of the loan. They said nope, that is not how this loan works. They have no intention of this loan ever being paid off. The only thing they are interested is the interest. They keep increasing the payments of interest. That is the only thing that keeps changing with the loan. I have told them I am not interested in making payments to them until they stop charging me interest and apply the money to the principle. I have previously paid off a student loan for my first degree and was paid off within a couple years. This is ridiculous. There will never be any resolve to this. Also, when the president proclaimed to stop interest on student loans, again their response was that my loan did not qualify and that I still need to keep making their outrageous payments. This loan is due to a XXXX  degree that I can no longer use. I am no longer able to teach due to XXXX treatments and health issues. I need some help due to my illness and also resolving the issue that all that money we paid for 15 years and the money my school district paid for loan forgiveness that was not applied to the loan. This is all fraud. This loan is through American Education Services. I feel they have been fraudulent and I have paid excessive interest amounts. This loan should have been paid off years ago if they had stuck to the original terms and percentages. They say the terms can not change, yet they have changed the terms to higher and higher percentages and no money has ever been applied to the principle. There are 2 parts to the loan. Loan 1, XXXX, {$11000.00} and Loan 2, XXXX, {$11000.00}.
Consumer complaint received 2020-05-15
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. (WI)

When I started service with XXXX XXXX on XXXX/XXXX/2019, the sale associate told me that when they check my credit score that it shows up as a soft inquiry. After XXXX XXXX did the " soft pull '' it shows up on all 3 credit bureaus as a hard inquiry which lowered my credit score. I talked with 2 other associates, one in person at a store location and another thru XXXX XXXX  online chat on XX/XX/2019 that I took a screenshot of the person named XXXX that I was chatting with that confirms that the company tells potential customers that it is a soft inquiry and not a hard inquiry. He specifically says that " we are all told its a soft inquiry ''. I tried disputing it with the credit bureaus but they said that they dont handle hard inquiry disputes that I have to contact the company that did the hard pull. I contacted XXXX XXXX   and they stated that I gave them permission to check my credit report so they dont have to change or do anything about it. XXXX XXXX is lying to potential customers about the soft/hard inquiry. I applied thinking that it was gon na be a soft inquiry, otherwise I wouldnt of applied for service. I opened up services under false pretenses.
Consumer complaint received 2020-05-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates (TX)

Today XXXX, XXXX was the most recent date of contact from Hillcrest Davidson Associates in XXXX TX. I spoke with XXXX XXXX XXXX and a XXXX who both stated that they were managers. XXXX XXXX XXXX started using obscene language until I asked to speak with a manager. XXXX was very rude to me but did not use obscene language. I asked for them to stop before I ended the call. They refused to let me speak with anyone higher up nor anyone in customer service.
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

This company fails to remove an account off my credit report, even after providing me a letter of deletion back in XXXX. 
Attached is a copy of the letter of deletion, however, when I called the 3 credit bureaus, they said they had received NO notifications from CCS to delete
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I was sent and charged for an item of women 's clothing that I never ordered from an online company called XXXX. The weird part is, I was shipped the item, but again- I DID NOT order it! I immediately opened a dispute claim with my bank, Chase, and tried to contact the company XXXX on multiple occasions to see how to return the item so that I can get my money back. My bank initially credited me back the {$43.00} charge and cancelled that debit card, but as of yesterday, they have once again charged me. When I called Chase Bank, they stated that dispute was overturned and there is nothing more that they can do to help me and that I would have to take it up with XXXX. I tried to explain to them that I have tried on multiple occasions but have had no luck. There is only an email address, not a customer service phone number that you can talk to a live person or leave a voicemail at the company XXXX. I am a XXXX XXXX  student and this money was stolen from my high school savings account. I am saving to pay for a car and college and am very frustrated and upset.
Consumer complaint received 2020-05-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LoanCare, LLC (IL)

The company sent letters about delinquent account after approving the loan for forebearance. 

A letter was sent to us saying that immediate action will be taken if we do't pay the loan that they informed us they had placed in forbearance due to COVID 19
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-01
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: Medical Data Systems, Inc. (GA)

I contacted Medical Data Systems Inc. and let them know their information was wrong and they got the incorrect person and they ignored it and now placed a {$52.00} collection on my credit report. They need to review all the paperwork and signature for this issue and get this corrected. I saw reviews on the company that they do this kind of thing all the time to people and this need to stop.
Consumer complaint received 2022-12-07
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: Continental Finance Company, LLC (PA)

I created a dispute under the FCRA 15 US Code 1681 B that reporting agency did not have my written consent to publish such information and with no consent per 15 US Code 1681 C1 that is identity theft.
Consumer complaint received 2022-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (VA)

I have reached out to my mortgage company, Shellpoint Mortgage several times since the beginning of XXXX to inquire about the loan I have with them on a house that I own. 

XX/XX/XXXX : Requested through the secured message option on their website requesting all signed documentation received on the mortgage since XX/XX/XXXX. 

XX/XX/XXXX : Requested information of all contract information received by Shellpoint mortgage for my loan via email address provided by the loan specialist handling my loan. 

XX/XX/XXXX : Requested copy of signed loan modification documents Shellpoint mortgage received within the last 60 days on my loan. This request was sent to the email address provided by my loan specialist as well as the secured message option via Shellpoint mortgage website. 

I have only received loan documents that I signed back in XXXX. I have been advised loan modification documents were received on my loan in XX/XX/XXXX. Since I didnt sign the loan documents, I need a copy of it.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DE)

I called a XXXX XXXX school to schedule my son for their package of 10 hours of driving for XXXX on XX/XX/2020. They withdrew the XXXX out of my account on XX/XX/2020. XXXX driving school was suppose to pick my son up for his 2 hours on XXXX the XXXX @ XXXX XXXX after waiting for 40 minutes I called the school multiple times to find out what was going on, no one answered. I texted the driver who was suppose to pick my son up, he never responded. I sent a text message to the driver stating that since no one wants to return my call or pick the phone up my next call was to my bank.So I called my bank USAA to dispute the charge because obviously they had my money so why bother calling me. On XX/XX/XXXX, the driver text my phone to tell me that the owner of the school decided to shut the school down due to COVID-19. The Governor or any Governor for that matter has not shut down anything as of yet for COVID-19. So the XXXX XXXX school can now keep my money with NO services rendered and use COVID-19 as an excuse to embezzle money out of people. USAA was no help in this dispute because they said they don't cover anything COVID-19 since it government laws. I told them the dispute is NOT COVID- 19 related because nothing was shut down that is XXXX excuse for keeping my money and not providing any service. I just want my XXXX dollars back and XXXX held accountable for their dirty actions.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$150.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX  XXXX XXXX {$1400.00}
Consumer complaint received 2024-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.