davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I have a FHA loan through CHFA and because of Covid we went into forbearance for 6 months and then we were told we could file for a loan modification loan and through out this process we spoke to so many representatives that provided false information that prolonged the process for a loan modification and then were given a contact person XXXX XXXX XXXX who told me that I did not fill have to fill out the application because I already had an HFA loan and that he would submit the information for my loan modification and this was a lie, instead he submitted for a partial claim that increase our mortgage payment. I contacted him and told him this was not what I wanted so then he sent me the loan modification application packet and I filled it out and submitted it to the Loss Mitigation office and XXXX XXXX sent me an email confirming all was good and that he would be submitting it on XX/XX/2021 and we should have had the loan modification on XX/XX/2021, however when I contacted this office they told me that he had just sent the documents on XX/XX/2021 and as of today XX/XX/2021 we told that Mr. XXXX sent or received it on XX/XX/2021 so this will prolong it for another month we CAN NOT hold on any longer. This person is well aware that we need this taken care of ASAP and he has done everything in his power to delay the process. We are surviving on only my income that does not cover our mortgage and he still refuses to complete my loan modification and he will not return my calls or emails. He has delayed us for 6 months and we have called and asked over and over again to speak to his superior and no one will call us. We having been asking for a loan modification a 1 complete year and have not heard from on supervisor. I have sent complaints through their website and still no one will contact us. I have filed complaints over and over with CHFA and no one will return my call, their representatives continue to transfer me and hang up on me because I ask to speak with a supervisor or manager. I believe that if we do not hear from someone we will lose our home. I also believe that XXXX XXXX is waiting for interest rates to go up. PLEASE, PLEASES YOUR HELP IS GREATLY APPRECIATED. I can be reached at XXXX M-F at XXXX or XXXX XXXX  or XXXX XXXX.
Consumer complaint received 2020-12-28
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: Volvo Car Financial Services U.S., LLC (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, VOLVO-XXXX XXXX- 5 add a hard inquiry on my credit report per XXXX  . 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-02-22
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)

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple XXXX Accounts XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dispute including FTC fraud reports were sent to the Bureaus. Account was removed. Account was reinserted a month later without the required 5 day notification. Also, account not blocked from reporting as required by FCRA. 

Account : Fingerhut
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Neighborhood Autos, LLC (TX)

I am filing this complaint to address multiple serious issues with your handling of an account under my name. Specifically, 30-day late payments were reported for XX/XX/year> and XX/XX/year>, despite protections under the CARES Act, which prohibit the reporting of late payments during that period. 

Additionally, the account was paid after repossession, but I have not received the required 1099-C form for debt forgiveness reporting. Failure to provide this form constitutes tax fraud under IRS regulations, as the 1099-C is mandatory for settled or forgiven debts. 

I also have reason to believe that the repossession was not conducted in accordance with the Uniform Commercial Code ( UCC ). I reserve the right to seek damages from all involved parties under all available state and federal laws, including UCC 9-625 remedies.

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), you are required to ensure that all information reported to credit bureaus is 100 % accurate. This account, as currently reported, does not meet that standard. Therefore, I am demanding the immediate removal of the inaccurate payment history from my credit report. 

If the inaccurate information is not corrected or removed within 21 days, I will pursue legal action to enforce my rights under the FCRA and FDCPA, including seeking damages for non-compliance. 

If the incorrect information is not corrected or removed within 21 days, I will pursue legal action to protect my rights under the FCRA and FDCPA, including seeking damages for non-compliance.
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I kept receiving calls and letters from a company called Portfolio Recovery Assistance LLC I wrote a letter requesting validation letter than letter was produced so on XXXX XXXX I proceeded to contact the agency spoke to a collector that kept playing games by changing her voice at one point she stated she was manager and just made her voice deep. I agreed to make a settlement for XX/XX/XXXX and XX/XX/XXXX with the agreement to get it taken out of my credit report and with them to produce a settlement letter along with agreement to remove this from my report. This was never accomplished, than I tried to make a payment to their online services would not allow me too. Than I contacted the collection agency on XX/XX/XXXX they emailed me telling to contact an agency I refused to contact an agency because all they do is play phone tag acting as a manager etc. I have repeatedly asked for the letter before making a settlement payment. Now they want the payment but refuse to send a settlement letter. They have had almost 4 weeks to produce the agreement letter and nothing has been accomplished. I was willing to pay XXXX in two payments for a XXXX credit card that was in collections. I explained I had got laid off due to COVID and was barely getting on my feet explained to them they kept call me during COVID when they was suppose to cease and decease during that time. 
Account # XXXX Seller : XXXX XXXX XXXX  XXXX, Current Creditor Portfolio Recovery Associates LLC, Balance : XXXX what is strange is when you call they read the mini Miranda for Collection but this on my email : " Please be advised that this is a communication from a debt collector, but this is NOT an attempt to collect a debt. Any communication with PRAs Customer Care Department is made for the limited purpose of addressing your issue and is NOT an attempt to collect a debt. '' " " I am here to help, contact me today! ''
Consumer complaint received 2021-04-12
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 — Investigation took more than 30 days
Company: Adler Wallach & Associates, Inc. (WA)

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
Consumer complaint received 2023-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Foundation, Inc. (NC)

I ran out of derferments with the original lender XXXX. and the loans were in default back in 2019. Right after that, the student loan paise happened so I did not reach out since any collection was stopped. 

Theot legal counsel filed a civil case against me in XXXX and at that time they added my loans as XXXX default to my credit report x 2. I have been working with XXXX XXXX to consolidate my loan and have also applied for president bidens loan forgiveness. 

Please make the NC State Authority stop harassing me and remove their lawsuit againt me. I will also file a copy of the amount owed, the loan consolidation application and everything needed as a motiok to dismiss.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (AZ)

Santander USA purposely exposed my partner and me to an egregiously high-interest rate and loan repayment on a late model vehicle. When I became sick with a rapidly advancing XXXX two-years after the loan repayment schedule began, I requested the loan be leveraged and the vehicle returned to Santander to avoid repossession. Santander refused to allow me to return the vehicle and instead illegally repossessed it from the garage of our home which sits on private property. 

I was left without a vehicle and Santander quietly began harassing us for repayment. At the time, due to my illness, I was unaware that Santander had a class-action suit against them for abusive and aggressive lending practices to vulnerable populations such as those earning lower wages, minority communities, the elderly, etc. Just last year a collection agency stating they were working on behalf of Santander, began contacting us stating they would take a partial payment and cancel the remaining debt. Eventhough I was still recovering and needed one more operation, we scraped together the monies, totaling nearly {$6000.00}! All three major credit bureaus still are reporting excessive amounts due and that the account is written off. 

We were promised this debt would be settled and removed. It has not and Santander states they refuse to remove it. They are reporting all types of monies due from $ XXXX to $ XXXX, depending on the credit report. Even if I look on XXXX XXXX the amount due is different than what each individual bureau reports it to be : XXXX  - {$35000.00} reported as total due as of XX/XX/XXXX XXXX - {$37000.00} reported as total due as of XX/XX/XXXX XXXX - {$25000.00} reported as total due as of XX/XX/XXXX Several attempts have been made through the 3 major credit bureaus to rectify and/or remove this erroneous data! How could we owe {$10000.00} ( +- ) on the exact same day? I was humiliated while nearly sick unto death. We asked Santander, under the right to cancel the loan due to illness or death, to return the car due to XXXX under the terms of our agreement, but Santander refused! I tried reaching out early on to ask for support to keep the car for our family 's needs but finally had to concede to request to return the vehicle as they refused any changes to the contract - even legitimate ones! The court has found Santander guilty of excessive interest loans and we are proof of that. We joined the class action suit against them in effort to rectify this matter! Our auto loan was over {$1000.00} per month! So we could not possibly owe the funds they claim as Santander USA knew we were vulnerable because of my XXXX! Please reinforce fair credit practices and make them remove these ridiculous, excessive and cutthroat charges from my credit profile!
Consumer complaint received 2021-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have reached out to TransUnion well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2023-02-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: STAR ONE CREDIT UNION (CA)

On or around XX/XX/2022, I entered into a consumer credit transaction with Star One Credit Union. I was trying to purchase a car for my family. On or around XX/XX/2022 I received a letter from Star One Credit Union, deny an extension of my credit. 
As you may be aware, its against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 USC 1691 ( c ) and you assume civil liability pursuant 15 USC 1691 ( k ) Star One Credit union has violated my federally protected consumer rights as well as caused emotional damage and injured my family and myself with their actions.

15 USC 1642 15 USC 1681N 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. Star One Credit Union should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Let it be known that I am ready to litigate in this matter for discrimination against my good faith in exercising my rights if your actions are not equitable. 

The transaction was {$12000.00}
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC (NC)

XXXX makes it so that automatoc payments scheduled for the min due date post late and consumers incur crazy interest payemnt like {$80.00}. 

They have reporter a late payment to my credit report and when Ive asked to settle this and close my account in exchange for them removing this from my credit report they asked me for {$800.00}, but my account balance is only {$360.00}. 

Please make this company do the right thing.
Consumer complaint received 2020-10-08
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. (TX)

on XX/XX/2020 I resolved and settled my XXXX account with XXXX XXXX. Which means my account should no longer reflect in collections on my credit reports. As the account is not in collections any longer.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I found my account is on Capital one. I send an affidavit and Identification. Their contact is XXXX. I also received an invoice from XXXX. Their contact is XXXX. I Spoke with a gentleman named XXXX he verify this was a corporate account. My father left me a personal checking account. With my identity been compromised at work I am certain Supervisor XXXX is responsible for the fraudulent acts. I recently called the Postal Inspectors to report threats. Since I have been reporting it I been suffering retaliation acts against my person.
Consumer complaint received 2023-08-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

On XX/XX/23, I sent a letter requesting the validation of alleged debt. Ive received communication from this company that I owe them a substantial sum of money. I never made any contract with this company and do not accept their business or offer without validating I owe a debt to them.
Consumer complaint received 2021-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

To whom it may concern, My name is XXXX XXXX, I am the co-signer of my son, XXXX XXXX 's student loan consolidation. Account number : XXXX. He had four loans from XXXX XXXX in which he wanted consolidated. He applied to Citizens Bank. Loan amounts were : {$21000.00} - {$19000.00} - {$4700.00} and {$4600.00}. A total of {$50000.00}. 
All loans were consolidated on XX/XX/XXXX. We later discovered that the {$19000.00} loan was still active on XXXX XXXX. When we contacted Citizens Bank and informed them of their error, it was pointed out that one loan was misidentified as XXXX XXXX XXXX listed as the original lender. 
When the error was corrected, Citizens Bank added the {$19000.00} again, totaling {$69000.00}. They had doubled the {$19000.00} loan and added it to the total. The bank had also changed the term from a 15 year pay back to a 10 year pay back without notification. Payments went from {$370.00} to {$500.00}. Accruing interest from XX/XX/XXXX to XX/XX/XXXX with XXXX XXXX in which we had to pay the balance of {$49.00}. XXXX Bank had refused to pay the interest of their mistake. 
The additional {$19000.00} was eventually removed and the {$50000.00} was restored, however the loan payment amounts and term had not been corrected. I am concerned with the financial harm this has caused my son and myself. Numerous hours of frustration and phone calls have been spent on this to date unsolved issue. Your assistance would be greatly appreciated.
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

I am reaching out in regards to an on going issue I have had with XXXX XXXX. I have been a customer with XXXX since XX/XX/XXXX when I moved into a condo as a single mom with XXXX kids. I have paid on time monthly for their services. 

In XXXX of XXXX, the unit had stopped working suddenly. I spoke to XXXX agent over the phone to attempt to alleviate the problem, but it hadnt. I tried to get someone out to look at it, but I work during the day so it was hard to get someone to come out and try to fix it. I have not used the unit since XXXX of XXXX as well. I started to receive past due payments and realized I got a new credit card. They wanted {$580.00} dollars from me. On XX/XX/XXXX, I wrote an email stating I would pay that amount, but I wanted someone to cancel my contract and not be billed anymore. I believe this was more than fair since the unit hadnt worked in almost a year. I also have proof of emails from this date as well as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I had called numerous times to speak with someone regarding this issue, but after waiting on hold for twenty minutes or more I spoke with someone. Each time this happened, the representative wanted to help me pay my bill, but they couldnt authorize cancellation. I had asked to speak to someone who can do that, but it could never happen. 

I was willing to pay the past due amount every time, but didnt want their services any longer especially since the unit was not working. They have recently sent me to collections, which is very poor customer service and shows they just wanted my money despite the fact I was willing to work with them. I find XXXX to have XXXX of the worst customer service departments that are only present to take your money. I would not recommend to family or friends. 

I would appreciate any help that you can provide. Thank you for your time.