davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STATE FARM BANK, FSB (CA)

Complaint # XXXX, has errors please accept this as correct and updated request. This letter and request is one of numerous attempts since XX/XX/XXXX, to obtain status on payments from XX/XX/XXXX through XX/XX/XXXX, specifics dates and checks numbers are detailed below. 

I received a letter from State Farm Bank dated XX/XX/XXXX, acknowledging my letter dated XX/XX/XXXX, and stated my request would take longer and an additional 15 days would be needed. No correspondence has since been received. State Farm Bank, has continued to delay or state more time is needed to address my simple request and those of XXXX XXXX, XXXX. 

My requests are simple : Status of the checks listed below in a readable and understandable format. State Farm responded to a prior dispute CFP # XXXX, with confusing and illegible responses which required research to determine what they were referring to. State Farm stated : {$2400.00} was returned to me and a check for {$6500.00} was sent to me. I verified with my bank no deposits in that amount have been recorded. No check number was provided by State Farm for more detailed research and is requested at this time. 

In addition, to the very simple status of the checks below in a legible and understandable format I also request details and status of the payment of {$2400.00} and {$6500.00}. I again, request the Credit Bureau require State Farm Bank to respond promptly and with readable and legible response. 

Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$2400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1700.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$4800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount, {$2800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount, {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$570.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$570.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$620.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1100.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$600.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$600.00}
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I received my TransUnion dispute results ( File no. XXXX ), and the credit bureau claims it 'verified ' a trade line identified as XXXX # XXXX '. There are a few problems that need to be rectified : 1 ) Method of Verification letter sent to TransUnion - received on XX/XX/2016. 
2 ) Dispute results issued did not address HOW the credit bureau 'investigated ' the items disputed. 
3 ) XXXX account disputed via CFPB Complaint No. XXXX and FACTA request received by XXXX XXXX ( XXXX ) on XX/XX/2016. 
XXXX ) XXXX XXXX ( XXXX ) HAS NOT responded to the FACTA request. Demand was made for the production of the contract for debt I, as consumer, allegedly signed. As XXXX XXXX FAILED TO PRODUCE a contract for debt per the time frame allowed, FCRA mandates deletion of this line item.
Consumer complaint received 2016-07-19
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Pacific Union Financial, LLC (OK)

Applied to refinance existing mortgage. Provided documents asked for including XX/XX/XXXX and XX/XX/XXXX tax returns and XXXX. I wanted the mortgage refinanced based upon mine and my wife 's retirement income. The tax returns shown sources of income/loss other in addition to our retire income. The losses were due to horse business. In XX/XX/XXXX my wife had some health issues and we decided to close the horse business. Because we closed the business during the year we still detected from our XX/XX/XXXX income taxes. The underwriter wants to continue to use this in their income to debt ratio calculations even though we have provided a letter that states we are no longer in the horses business. In addition the XX/XX/XXXX tax return shows income from an employer which they do not use in their income to debt ratio calculations. They are selectively picking data and ignore other data that is available.
Consumer complaint received 2016-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (WV)

I had filed a dispute with all XXXX credit bureaus on XXXX/XXXX/2016 on Mohela for incorrectly reporting late payments when my account was in deferment. I discovered on XXXX XXXX the late payments had been removed and investigation had been closed, then on XXXX XXXX my credit report reflected the late payments had been re-inserted into my credit file. Mohela and/or all XXXX credit bureaus have 5 days to notify me of re-inserting a previously deleted item. I did not receive any such notification. Please delete these items immediately.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I was paying XXXX payment towards my school ( XXXX XXXX XXXX ) loans for a couple of months, then I rec 'd XXXX different letters with XXXX different addresses from Navient stating that I was late on them. This was a shock bc I was paying a little more than the minimum payments. Then come to find out my payments were only going to XXXX loan and not being applied to all my loans ; therefore I was late. Then I made XXXX big payment in hopes to be up to date, but then was notified I was late again bc the loan dates are different on my loans. Then I come to find out that XXXX loan payment is different and is not part of Navient but should be paid directly to the school. It has been most frustrating bc I am being told that I am always late and my minimum payment has ballooned up to $ XXXX/mos for Navient alone.
Consumer complaint received 2016-07-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

I was paying on these bills and come to find out they were from XXXX. I was paying {$25.00} a month and every time I got one paid off. They would say add Nother one. During the time of these bills I was working at XXXX I had XXXX I also had my so security so I told him these bills should not be mine. So I just up and quit paying them almost a year ago. Was I wrong in doing till even know they should n't have been charged to me?
Consumer complaint received 2016-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C. (CT)

I paid the company it was settled in full. Now Solomon and Solomon keeps reporting on my credit report, the bill is originally for XXXX, which is also reporting, They are both reporting for the same bill. Solomon and Solomon is reporting a different amount to make it look like i owe XXXX different debts. Since the account is paid for them already they said it would be deleted when i asked for writing documentation now that it is paid they said they wo n't do anything about it. They are not the original creditor so i do n't know why they wo n't remove the file when it is showing up two times.
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc. (TX)

National Credit Service is a collection agency who do n't want with consumers who use bad languages to customers do n't want customers to take care of there collection. They way they talk to customers is a shame .They have a lots complaints with the XXXX have they have n't solve because all this company want to do is keep an collection on your credit for 7 years because they know that can do that and customer need them delete that collection off of there credit report they do nothing to help settled the debt or make arrangements to customers. I 'mean affaid to call this company back to discuss my debt with them because of there representative abusive mouth and management who also do the same thing.
Consumer complaint received 2016-11-01
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (PA)

I am trying to dispute a transaction with blackhawk network on a prepaid visa card. I have submitted the dispute form both via fax and email, but have not received any confirmation that the dispute form has been received and is being processed. 

I have called several times and spoke to several different departments and no one can get me in contact with the dispute team for a status of my dispute. Their terms state they can only accept disputes that are initiated within 60 days from the transaction, but fail to even provide a confirmation of receiving the dispute or the status of the dispute XXXX. 

I am at wits end and this involves {$500.00}, which is a lot of money.
Consumer complaint received 2016-12-03
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (NJ)

Hi, i used REMITLY INC.to do a transfer from my chkng acct. Of XXXX into my wife 's XXXX 's acct of XXXX, i did the transaction on XX/XX/2016 @ XXXX and even paid for express service, then i got t msg frm then confirming t trnsctn at XXXX t same day, bt my wife havent received t $ XXXX she went to t her bnk, XXXX they told her they didnt know this company or deal with them bfr. I call Remitly n ask them abt it, XXXX they say they used the XXXX to do bussines with XXXX, thats why they didnt know abt them, bt again i call XXXX n ask abt Remitly, with t same answer ... they dnt know them!! T funny thing is that i call n complained to t " XXXX '', and they look for thos cmpany, n they are legal n yes, they do bussines in XXXX ... So I call Remitly again, n they insist XXXX is t XXXX doing somthg wrong XXXX not them, i ask for my $ $ back, n they said will take XXXX to return into my acct of XXXX. So u can imagine my frustration bcs that $ $ $ was to buy t gifts for my XXXX kids, Please help me to return my $ $ and clear out this dark bussines. Thnk u very much.
Consumer complaint received 2016-08-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

My monthly payment for my car is {$390.00}. On the payment form is a space for " Additional Principal '' so in XXXX I wrote " {$300.00} '' and sent a check for {$690.00}. They applied the extra amount as a partial XXXX payment of Principal and Interest, and have sent me a bill due on XXXX XXXX for {$480.00}, which the operator said includes a penalty for paying part of XXXX " late. '' In other words, it will be late by XXXX XXXX. I asked over the phone to have the {$300.00} applied to principal, and she said the only way that would happen in the future if I cleared it on the phone BEFORE I sent it. I repeat, the bill has a space to fill in " Additional Principal. '' I wish I had the money to just pay this off so that these folks never earn another dime on me.
Consumer complaint received 2016-08-03
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I bought a new Toyota Tacoma from XXXX XXXX in XXXX. My bank approved me for a loan for 2.49 %. I went to the dealer to close the deal I was with the finance person. They said Bank of America matched the loan amount of 2.49 % and that I was already approved and could get my vehicle now instead of waiting for 2-3 for the bank loan to clear. Then I was hit with high pressure misleading warranties to add on. I said I was not interested the pressure and the assurance that total vehicle protection was offered and that it only raised my payment slightly, but I had to make a decision right then and there to take the warranties to add them to the financing, I was hesitant as the the pressure tactics were fast aggressive, and very vague. I was told if I did not take the warranties now I would have to pay higher cost later and would not be able to finance them. They finance agant at XXXX said that the BoA agent she was online with dropped my financing to 1.79 %, so I took the warrranties. A few weeks later, I took the vehicle in for service and was told the items I was claiming under the protection package was not covered after I was told it was before I accepted them. To make a long story short, they refunded my money but refuse to talk with me or address my items that they said they would not cover.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00}
Consumer complaint received 2024-10-14
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. (MA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment XXXX you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2016-11-01
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc. (NC)

This complaint is in regards to my experience with this company in attempt to collect a debt. I resided with a company in XX/XX/XXXX which went under the name of XXXX XXXX owned by a separate company & within months of signing my lease the company was bought out and named XXXX XXXX. Upon leaving my lease one month early, I was expecting to a " breaking lease fee '' & my last month 's rent, which was the month I did not pay ( XX/XX/XXXX ). After leaving the complex there was NO FORM OF CONTACT, simply because none of the contact information on file was correct. I had no knowledge of all the charges the company has built up and placed on my account. XX/XX/XXXX I was applying for new apartments and kept getting denied for this misunderstanding which has now accumulated to my credit. After several attempts to contact the company and set up some arrangement I have took it upon myself to dispute the charges since I had no knowledge of it. I have called and been disrespected numerous time I have be researching where to contact, now I am here hoping to get some help from someone. I wrote a letter explaining how I was never notified of any charges, not even by e-mail and that was the only correct form of contact information. I have never received any notice in writing from this company that they were attempting to collect a debt. I have never received a phone call from this company that they were attempting to collect a debt. I did not give them my current address and - - did not attempt to verify my mailing address, email address or telephone number. I am really fed up with this company and even willing to solve the issue IF my dispute is denied, I am simply out of options and hoping to find a pointing finger here. The company ( XXXX ) was so unorganized and nonchalant that it would be modest to think that their collections company would have any more class and respect. I am hoping at the end of this and with the dispute and this additional complaint that I will soon have this issue resolved and this company name off of my credit. If anyone can provide me with the proper address I should send my letter to, a name of someone I could speak to in regards to solving this matter or any little information that I can use to solve this issue I would greatly appreciate it. Thank you and steer clear of CARTER YOUNG.
Consumer complaint received 2016-12-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

a doctor sent this to a collection agency. when I never even got a bill from this doctor. I have been trying and trying to call the debt collection company, Trans world Systems, but when i call it says.. leave a message for extension, XXXX ive left a message. they dont answer their calls on XXXX different numbers I 've called. they have a fax number on one of their web sites, i tried to fax them a dispute letter. The fax number is a phone number! again, no answer. 
how can i dispute this debt if i cant get ahold of them? the problem is, the doctor office is charging me my XXXX percent share at a price that exceeds what XXXX says i have to pay. the XXXX has to go by XXXX approved amounts. and not charge me what they think they should get paid, Good thing XXXX issues me what they pay out and the most i should have to pay!
Consumer complaint received 2016-12-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

This is a follow-up to case numbers XXXX and then XXXX. Chase has been holding funds for a check for {$3500.00} in a suspense account since XX/XX/XXXX. Based on response from XXXX, in which Chase suggested that " You and the maker of the check can visit one of our branches with two forms of valid ID to verify issuance of the check '' ( which was repeated to me on the phone, and at visits to Chase branches, and seems absurd, and is the basis of case number XXXX ), I took the day off from work on XX/XX/2016 and traveled an hour and a half each way by subway and the XXXX to XXXX, NY ( copy of XXXX ticket attached, and phone conversation with Chase fraud department from XXXX branch on record ), to meet the maker of the check and we proceeded to the nearby Chase branch in XXXX. We both presented out identification to a manager, as requested, and of course signature on maker 's ID matched signature on check canceled check that maker had brought along, along with his statement from XXXX showing check had been paid to Chase back in XXXX. The manager called Chase fraud department ( Chase 's term for this department is " executive offices '' ). Nevertheless, this department refused to release the funds. 

I missed an entire day of work, on top of the countless hours spent on the phone and visiting Chase branches ( on XXXX where check was originally deposited to my account with a teller, and downtown where I work ) in the weeks and months following the initial deposit. 

Not only is Chase still holding the funds, they continue to refuse to let me know the basis of the hold.