davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (CO)

My complaint is about Navy Federal Credit Union. It has come to my attention that my current auto loan is now nearing almost 4 years of payments. I decided to go over the amount I have paid and what is left to pay on this loan. Based on what I have calculated I have not even paid off half of the original amount financed. Based on my XX/XX/XXXX - XX/XX/XXXX statement I have {$23000.00} left out of {$31000.00} that was originally financed XX/XX/XXXX. Additionally I have calculated out the last 11 months ' worth of payments which equaled {$4800.00}, to which {$1600.00} has come off of my principal balance. That means that {$3100.00} had gone towards the interest charged on my loan. The average amount that is getting paid toward my principal is {$150.00} and {$280.00} goes toward interest. That is nearly twice as much. Based on the figures that I stated above it would take me approximately 153.4 more payments to finish out this loan. That is another XXXX years on a loan that was only supposed to be for 84 months or 7 years. So this begs the question : Why am I going to pay 15 years on a 7 year loan? I would literally be paying {$67000.00} to pay off the {$23000.00} that is remaining. I renegotiated this loan XX/XX/XXXX to get a lower payment because of financial difficulties, but apparently the interest stayed the same, so nearly XXXX % of every payment goes to interest. This is ridiculous in my opinion.
Consumer complaint received 2023-05-12
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc. (CO)

Client Service submitted a response. Their response in insufficient. They continue to provide old credit card statements, just showing fees on top of fees. There is no transaction history. I have asked several times, for them to provide me with a signed contract, full details of every purchase on the credit card. Client Services doesn't get to choose what it sends in to verify the debt. Please refer to my previous submission for what I asked for. This is required by FCRA and FCDPA. If your going to ignore these requests I will hire an attorney to sue you back for insufficient validation.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I have a PayPal account, which has had XXXX unauthorized withdrawals totaling {$710.00} : {$200.00} on XX/XX/XXXX, {$240.00}, XX/XX/XXXX {$260.00}, XX/XX/XXXX These transactions were made by a company in XXXXXXXX XXXX XXXX XXXX This company has a website, but I have been unable to receive a response from the company. I have never heard of this company, nor have I ever had contact with them. 
I have filed XXXX claims, for XXXX separate transactions with PayPal. All XXXX claims have been denied. PayPal 's responses have all been identical. I have included their response below. 
This is a clear case of fraud, which PayPal says that they guarantee account security. However, all of my appeals have been denied. 

Their " canned '' response to my claims follows : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 

Based on our review, we found this transaction is consistent with your PayPal payment history. 

Based on our review, we found this transaction is consistent with your PayPal history. 

For more information about these cases, log in to your PayPal account and go to the XXXX XXXX. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please email XXXX.
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Harvard Collections, LLC (IL)

HarvARD COLLECTIONS ADVISED THEY WOULD DELETE MY COLLECTION IF I PAID THEM {$1700.00}. I BROUGHT THEM CASH AND THEY GAVE ME A DELETION LETTER BUT THE CREDIT BUREAU KEEPS SENDING INFO THROUGH XXXX XXXX ASKING THEM TO VERIFY THIS ACCOUNT SHOULD BE DELETED AND THEY WILL NOT RESPOND. THEY TELL ME THAT XXXX SHOULD CALL THEM. XXXX TELLS ME THAT HARVARD SHOULD CALL THEM TO REMOVE IT. NO ONE WILL PICK UP THE PHONE AND CONFIRM IT NEEDS TO BE REMOVED OR SEND THE INFORMATION THROUGH XXXX XXXX TO CONFIRM IT NEEDS TO BE REMOVED.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Consumer complaint received 2015-06-11
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: BUDGET CONTROL SERVICES, INC. (CO)

They will call me from XXXX or later. I have an App on my phone to block their calls. This gives them a list of times and dates when they have called. I do not answer my calls to them and they have called me from all different types of numbers outside of my state. I have not enough to pay them the minium since I work retail and have mini wage jobs.. I have XXXX jobs just to try to stay afloat to pay for rent, xcel, phone, car and internet ... .. They came to my home today with papers for me.
Consumer complaint received 2016-12-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (WI)

Account number : XXXX I had a balance in XXXX XXXX and paid what I was told the pay-off amount was. Then Santadar reported the {$4.00} late at XXXX days! They also sent me a REFUND check # XXXX for {$330.00} in XXXX XXXX for an OVERAYMENT! I disputed the XXXX late this past XXXX, and they made it worse by changing the account to " Charge Off '' ( {$4.00}!! ) with an incorrect date of XXXX XXXX. Account was paid and closed in XXXX! They must remove the account not reporting correctly from all XXXX bureaus, of both mine and the joint borrower immediately.
Consumer complaint received 2023-07-07
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. (MD)

I paid off my auto loan with XXXX XXXX XXXX in the amount of {$9300.00} on XX/XX/XXXX. I have received my title and lease of lien for the vehicle I paid off from XXXX. This account should be reporting a {$0.00} balance and paid satisfactory. As of today XX/XX/XXXX, 38 days later, my account is still reporting as open with a balance of {$9200.00} on my XXXX and TransUnion credit reports.
Consumer complaint received 2016-03-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

We received solicitation from our mortgage lender Impac to contact them regarding extending our loan modification We called were sent an application and submitted all requested documents. We then received a letter stating that the Loan Modification had been approved on XXXX XXXX, 2015. We signed the letter agreeing to the terms and were told the documents would be delivered within 1-3 weeks. We called Impac and emailed several times as documents were never received. We were told that there was a back log at the servicer XXXX and to wait. We were then called and advised that XXXX was caught up and wait. Then we were told that in order to get the documents we had to apply on the XXXX web site and to submit the approval with the documents and they would push the file through based on the approval. We did as instructed with XXXX who kept asking for the same documents over and over stalling the process and submitting the file under programs we never requested. We attempted to reach Impac several times with no return calls. Impac then stated that the approval was not an approval it was a proposal even though the document does not have that listed anywhere it clearly states " Approval '' Impac is doing a bait and switch here. Also XXXX then suggested we do a short sale which we have found is a clear violation of the Home loan Bill of Rights as a short sale can not be suggested after an loan approval has been granted. To date we have no loan documents for the approval of our loan modification. The approval will be attached.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/ ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened. This account ( s ) has resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : Under the Fair Debt Collection Practices Act have previously sent Equifax a request to investigate an alleged debt by On Line Information Services on my credit report Equifax simply replied that the account is verified but did not provide the validation to me that was needed to determine if this was actually an accurate claim. I then personally contacted the Collection Agency XXXX XXXX XXXX XXXX   and asked for valid verification that this debt was mine. I knew I didnt miss a payment to the power company, for obvious reasons they are always the first bill I pay. All I received from the Collection Agency were term dates of XXXX XXXX spanning back from XX/XX/XXXX to XX/XX/XXXX and the alleged charges they claimed I owed {$170.00}. They had nothing to show me that could verify I owe anything. After a bit of research, it was determined that this does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. This inaccurate, incomplete document contains no accounting of any payments made nor missed, nor the dates on which those payments were made or missed. There isnt even any documentation with my signature on it that proves this is even my account at all. This information could have easily been drawn up and sent by anyone or simply created in human error. Their verification document in no way provides sufficient verification of this alleged debt. There isnt any legitimate, verifiable proof that I owe anything to their Company, because I dont. 

This collection on my credit reports are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} FCRA violation fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I intend to follow through with the suit if this is not deleted from my account within 15 days. 

Sincerely,
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Talbot, Adams, & Moore, Inc. (KS)

On the morning of XXXX XXXX, 2016 I placed a call to Spears, Dewitt and Hall in XXXX XXXX Texas with the intention to resolve XXXX of XXXX accounts and post date a payment for the second account til a later date in the same month. 

The first mistake the collector made was she gathered my routing and account number before telling me there was a {$25.00} fine for processing a check over the phone. I thought that was way to much so I told her I would then mail in my payment. The collector grew angry with me about this so I requested to speak to her supervisor. The supervisor said she would n't wave the fee but would settle the account at {$25.00} less. I told her I did n't want to settle because of how that would affect my credit score. She continued to push me into the settlement. The supervisor also told me that the first account I was wanting to pay that day has already been resolved. I asked for a receipt and I hung up because she continued to push me to get the second account resolved. 

Immediately after my hanging up a collector who identified herself and as a payment processor for the company called back asking for the payment again. The second collector who called back did not state the Mini Miranda before attempting to collect. 

The following Tuesday on XXXX XXXX, 2016 I noticed a missed call from the company on my caller ID followed by a XXXX second silent voicemail.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (HI)

The XXXX XXXX XXXX ( XXXX ) web-site used for managing and scheduling online payments has been and continues to show false information that lead to confusion and ultimately to some of my scheduled payments being late. The initial reason is that they simply don't process payments on the dates that you actually schedule them. So when they do eventually ( 5+ business days ) process  scheduled payments, in my case the funds were no longer available in my checking account. 

The next problem and my biggest issue is that their web-site still shows these scheduled payments as " Posted '' which is misleading and inaccurate because in the end the payments were not actually cleared and processed. This misinformation on their web-site directly resulted in my not catching the issue in-time to prevent a 30+ day late payment. It wasn't until I noticed the minimum monthly payment amounts were literally doubling month over month that I researched the issue, looking over bank statements, etc. and identified this major issue with their web-site. Even their automated phone systems provided the same ( false ) information when I first called to inquire. 

I've been in contact with a " Disputes Team '' since XX/XX/2019 about the matter, who are only available for contact via email. I've requested that they acknowledge this issue with their web-site as a contributing factor to my payments being late and remove the hit to my credit report but they refuse to accept any responsibility. 

Since identifying the issue, I've brought my account current by scheduling payments through my own bank 's " Bill Pay '' system to ensure timely payments, which has worked perfectly. Unlike the XXXX web-site, my bank actually processes the payment on the day I schedule it so I don't have to worry about balancing my checkbook on a daily basis just for this one particular vendor that takes an exceedingly longer time than any other merchant to process a scheduled payment.
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (MD)

The Discover Financial Services placed my account with Atterney Office for Collection where the action of the firm affected my health condition that may arise based on my past condition, which I prefer not to share as it is private and confidential information. The name of company or person ( XXXX ) XXXX XXXX. 
I rejected to speak with anybody from this office and having preference based on my experience at working settings with this office not to have any conversation at all for harassing and insulting action following with mental abuse that affected my health condition and issue. Please consider this complaint seriously to resolve the issue of Financial Fraud and changes on my account due to change of numbers on my account with Discover. this person must be discipline for his harassing and discriminating actions as me personally as company where I work at the current moment that affecting all other employees as well. 
Very unfriendly personality unwilling to communicate have a lack of managerial skills and ability communicate normally with people especially customer service.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Abuse of trust by a former co-worker in the AUTO loan processing process and where they took advantage of my good will and carried out a whole process of strong consultations with different banks and financiers that are exactly detailed before the credit bureau with my credentials for the procedure requested by XXXX XXXX ( XXXX XXXX XXXX XXXX  - Please see attached data / Digital backup ). 



XXXX XXXX asked me to help her accompany her to your office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. First, her credit and credentials were verified. ( SSN ) And the salesman who assisted her at the time told her that her credit score is very low and she needed to present a co-signer and contribute a higher premium to the AUTO. Having this information, XXXX, she suggested to the seller that they try my personal credentials ( SSN ) to see how my credit history would come to light and see if the monthly payment could be lowered. So USD XXXX was a very heavy amount for their finances. She was looking for an average fee between approximately USD XXXX. 



I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best economic decision for her budget. The seller and she assured me that only 1 inquiry would be made to the credit bureau and that it would be soft. And it wouldn't affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and NEVER request to be the main debtor and/or co-debtor in this process.