davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance. 3. Court Order. 4. Employm
ents.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 3. XXXX XXXX XXXX Dated XX/XX/XXXX( XXXX ) 4. XXXX XXXX Dated XX/XX/XXXX ( Experian and XXXX ) 5. XXXX XXXX DatedXX/XX/XXXX ( XXXX ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX Dated XX/XX/XXXX( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( Experian ) 9. XXXX DatedXX/XX/XXXX ( XXXX ) 10. XXXX DatedXX/XX/XXXX ( XXXX ) 11. XXXX Dated XX/XX/XXXX ( XXXX ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.
Consumer complaint received 2017-11-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Services, Inc. (NY)

Around 2015, i applied for a graduate program in XXXX XXXX which i was granted and i was given a grant of 2,000 plus, but in my admission letter, it was not stated that i will pay back the grant if i drop out of the College, but the college wanted me to pay back the grant after, they have me pay the loan i borrowed for the little time i was there. 
I have asked them so many times to send me where or a letter that states i have to pay back the amount if i do not finish my course in the college, which till date i have not seen and thing from the college and just for me to see that i had been taken to a collection agency. 

Thanks XXXX
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

For my XXXX XXXX credit card, I did not get 2 months of e-statements. In additionally, I attempted to make an online payment but the payment did not process. I was not notified that the account was past due as courtesy and since payments are made on time. XXXX refunded the late fee ( see attached ) but would remove the negative reporting of past due 30 days to all 3 credit bureaus. 

I had to call to get my account summary to updated to show payment reflected on my account ( see attached ). I made the payment on XXXX and had to call XXXX on XXXX to ask why my account summary is showing only XXXX available credit when the entire balance was paid off on XXXX of XXXX. I think XXXX is having online technical issues and its negatively impacting customers accounts. XXXX is not being transparent to customers and would prefer to allow false reporting be sent to the credit bureaus. XXXX said payment had to be released and I had to call. When I made the payment online it did state for me to call back or was I notified of the hold. And the payment taken from my bank account on XXXX/XXXX/XXXX and its showing in the recent transaction section payment made on XXXX/XXXX/XXXX.
Consumer complaint received 2017-11-16
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. (TX)

For my XXXX XXXX credit card, I did not get 2 months of e-statements. In additionally, I attempted to make an online payment but the payment did not process. I was not notified that the account was past due as courtesy and since payments are made on time. XXXX refunded the late fee ( see attached ) but would remove the negative reporting of past due 30 days to all 3 credit bureaus. 

I had to call to get my account summary to updated to show payment reflected on my account ( see attached ). I made the payment on XXXX and had to call XXXX on XXXX to ask why my account summary is showing only XXXX available credit when the entire balance was paid off on XXXX of XXXX. I think XXXX is having online technical issues and its negatively impacting customers accounts. XXXX is not being transparent to customers and would prefer to allow false reporting be sent to the credit bureaus. XXXX said payment had to be released and I had to call. When I made the payment online it did state for me to call back or was I notified of the hold. And the payment taken from my bank account on XXXX/XXXX/XXXX and its showing in the recent transaction section payment made on XXXX/XXXX/XXXX.
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XXXX/XXXX/XXXX, I deposited a cashier 's check through the Bank of America ATM. On my receipt, it showed that the funds would be made available the next day, XXXX/XXXX/XXXX. The next day, I checked my account online and it showed that the check was being returned because the " payee not on account ''. After calling and speaking with a customer service rep, I was told that whomever received the check thought that the name printed in the " memo '' area of the check was the payee and that when I received the check back, I was to just redeposit the cashier 's check at the bank and all would be well. I waited one week for the check to arrive in the mail and then deposited it back into my account. Because the checking account has not been open long ( approximately one month ), a hold was placed on the deposit, making the funds available XXXX/XXXX/XXXX. I was told when I spoke with a customer service rep on XXXX/XXXX/XXXX that at the very least, {$200.00} would be made available immediately. I called and tried to have the hold removed because a cashier 's check should allow funds to be made available immediately and it was the fault of the bank that it was not deposited correctly the first time but they said they could do nothing to remove the hold or make any portion of the check available.
Consumer complaint received 2017-11-16
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. (TX)

For my XXXX XXXX credit card, I did not get 2 months of e-statements. In additionally, I attempted to make an online payment but the payment did not process. I was not notified that the account was past due as courtesy and since payments are made on time. XXXX refunded the late fee ( see attached ) but would remove the negative reporting of past due 30 days to all 3 credit bureaus. 

I had to call to get my account summary to updated to show payment reflected on my account ( see attached ). I made the payment on XXXX and had to call XXXX on XXXX to ask why my account summary is showing only XXXX available credit when the entire balance was paid off on XXXX of XXXX. I think XXXX is having online technical issues and its negatively impacting customers accounts. XXXX is not being transparent to customers and would prefer to allow false reporting be sent to the credit bureaus. XXXX said payment had to be released and I had to call. When I made the payment online it did state for me to call back or was I notified of the hold. And the payment taken from my bank account on XXXX/XXXX/XXXX and its showing in the recent transaction section payment made on XXXX/XXXX/XXXX.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XX/XX/XXXX I put a fraud alert on each credit report and because of that I am now in XXXX. I would like to take the fraud alert off my credit report.
Consumer complaint received 2017-11-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IL)

I leased a vehicle from Kia Motors and shortly after that I got married and changed my name. I 've attempted to update my name with Kia Motors since XX/XX/XXXX and have not had any success. 

As of XX/XX/XXXXI moved from XXXX ( where I originally signed the lease ) to XXXX. The XXXX DOT requires that I register my leased vehicle within 90 days of moving. 

At the XXXX DMV they are requesting formal communication from Kia Motors about my name change and also about sales taxes that were paid in XXXX. 

Because Kia Motors is not responding to my request for a name change and has not submitted the proof of tax payment from my lease, I am unable to register my vehicle. 

At the end of XX/XX/XXXX my vehicle registration from XXXX will expire and I will be unable to drive my vehicle legally since the XXXX DOT does not want to use my marriage license as proof of name change. 

I 've attempted to contact Kia Motors about my name change multiple times, and have reached multiple different consumer affair specialists in the last few days. They have yet to process my request of name change and to submit the information to XXXX DOT.
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I currently have a mortgage with Bank of America. The mortgage was opened in XXXX XXXX for {$110000.00}. In XXXX XXXX Bank of America Sent me a bill saying my mortgage was short paid {$5400.00} and they would like to Modification if I did not have the {$5400.00}. They did not explain why I was {$5400.00} short paid although I did not miss a payment or was I late. Not knowing any better And not having {$5400.00} I allowed them to modification. Between XXXX XXXX and XXXX XXXX I gave them an additional {$15000.00} in cash via certified check to void for foreclosures. In XXXX XXXX I gave them {$5400.00} in XXXX they modify my loan by the same amount I then gave them the amount of {$10000.00} in XXXX XXXX to avoid foreclosure although I have been making payments all along In addition my mortgage payments rose from the original {$1000.00} to a high of XXXX During this period. I have been paying the mortgage for 14 years and now I am more than I borrowed I have had no late payments in the last XXXX. I have XXXX different loan numbers the original loan number into XXXX and they changed the loan number into XXXX XXXX when all the trouble seem to start. I have called repeatedly and asked for all the correspondence pertaining to my loan. They reported to the credit bureau having me late for almost 6 months for an entire year in XXXX. I have asked for forensic accounting from Bank of America in writing in XXXX of this year. I have received nothing. I have emailed the head of home loans at the corporate office nothing. I feel that the modifications crisscrossed with the amount of money they required me to send but the modification still were put on the back of my loan I have give them over {$25000.00} to make my loan current over the XXXX XXXX years but yet I still have modifications XXXX XXXX time XXXX another and almost XXXX another please help
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not authorize the following inquiries that are listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I signed up for a promotional offer with Santander Bank to get {$350.00} for opening a Simply Right Checking account. I qualified for all their requirements but they are staying that the {$350.00} was only for their Premier Plus Checking account and the Simply Right Checking account was only eligible for {$220.00}. The fine print indicated that the Premier Plus, Simply Right, and Basic Checking accounts were eligible. I have attached the flyer as a reference.
Consumer complaint received 2017-11-16
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. (VA)

In XXXX XXXX, I applied for forbearance on my student loans, which are serviced by XXXX XXXX. This deferment was for only THREE WEEKS ... from mid-XXXX to early-XXXX. This was done to postpone payment while my monthly payment amount was being recalculated. No payment was made in XXXX, but the account is still in good standing due to the forbearance. I then made a payment for XXXX ( after the recalculation ) on XXXX XXXX ( before the forbearance even ended ). 

Prior to this forbearance, in XXXX XXXX, my credit score was XXXX with Trans Union as reported by XXXX XXXX. The score was XXXX with Trans Union as reported by XXXX XXXX. On XXXX XXXX, XXXX I received emails from both XXXX XXXX and XXXX XXXX about my latest credit score. I get these emails frequently. However, I checked both XXXX XXXX and XXXX XXXX, and both had my Trans Union credit score as XXXXOVER 40 point drop in less than a month. This is a MAJOR drop. Nothing has changed in terms of credit card debt usage, debt, late payments, collections, public record, etc. Nothing has occurred that would warrant a drop of over 40 points. To put this into perspective, some bankruptcies will cause a score to drop by as little as 100 points. See attached, labeled documents. XXXX XXXX indicated that a change had occurred because TransUnion reported a more than 10 point drop in score. 

Since both XXXX XXXX and XXXX XXXX are free, I immediately questioned the accuracy. I therefore purchased my TransUnion credit report directly from TransUnion, order # XXXX ( screen shot attached ). The actual TransUnion report verified the information provided by XXXX XXXX and XXXX XXXX : my credit score had dropped to XXXX. Again there is no logical reason for such a dramatic score decrease other than the student loan forbearance. 
I phoned TransUnion and spoke to a customer service member. I asked her why my score dropped over 40 points, and she would not even verify that the score did drop. She would also not tell me any reasons, other than generic reasons like credit card usage, late payments, etc. TRANSUNION CUSTOMER SERVICE PROVIDED ABSOLUTELY NO REASON FOR THE DRAMATIC SCORE DROP. 

Most would come to the same conclusion : TransUnion dropped my credit score due to my 3 week student loan forbearance. The timing coincides with the forbearance and other factors have not changed. 

As a result of this TransUnion decision my credit has gone from an " excellent '' rating to a " good '' rating. This lower score impacts my ability to get a loan and causes me to pay more interest.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I apply to refinance my home laon with this morgage company XXXX has a program called HARP. Harp program is for people that have mortgage problems or issues in XXXX. They talked to me about HARP I understood how it works I qualify for it under their guide lines this program helps people that is underwater owes more than the house is worth there are not financial denied when XXXX person help me and said everything was ok when he started to work in my loan he noticed that I owe {>= $1,000,000} he asked me if I have a second morgage. Told him tha the reason why my loan was so high is because bank of America screwed me up when he gave me a loan modifications and I had no choice but accept their new laon conditions or I was to be homeless they took advantage of my situation of desability no money and with my family they told me that this modifications was wrong and may be fraudulent becouse under HARP guide lines they where supposed to do this kind of work out. He told me i qualify for the program but because of the way this loan was done he could n't help me and that was one of the reasons why bank of America was sued I told him that if wad to denied my loan I want to describe the reason the real reason why he was going to denied it he said he would n't know how is going to be but it will be a denied letter under the guide lines of this program it would n't be any denial financial issues
Consumer complaint received 2017-11-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ALTERNATIVE DISPUTE RESOLUTIONS (TX)

Today a process server, XXXX XXXX, called my cell phone from an unknown number and left a detailed message that I would be served papers tomorrow from XXXX XXXX unless I called this number-XXXX to discuss.. I looked up the number and it came back unknown on unlisted so I called. They proceeded to tell me what I need to do in order for the summons to court would be stopped ... .to pay the total amount today of XXXX. XXXX or the court XXXX. Or I could make payment arrangements to stop it all using a credit card to keep it on file. They actually wanted me to go buy a prepaid card to use. I refused and they did n't like it that I was going to contact my attorney or call the district attorneys office in my area. They also gave me another number-XXXX. and the name of the company is ADR Alternative Dispute Resolutions. I looked both up on the internet and could n't find any information.
Consumer complaint received 2017-11-16
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: Navient Solutions, LLC. (GA)

According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for XXXX years. Please remove them from all three credit reports. Thank you!
Consumer complaint received 2017-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Fedloan Help (NJ)

CFPB, I recently followed-up on my initial case to check the status ( Complaint number XXXX ). I was advised that the XXXX XXXX XXXX XXXX company responded, saying that they do not service private loans. Per the instructions of the representative I spoke with, I am submitting another complaint to clarify that I was not referencing any private loan, only the federal loans I have with the company. Please let me know if there is any other information I can provide to complete this investigation. 

Thank You XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-16
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: Riverwalk Financial Corporation (FL)

I have been paying XXXX XXXX XXXX for a XXXX account since XX/XX/XXXX & they refused to update my credit report to show that I was making payments. On XX/XX/XXXX I came to an agreement which I got in writing from the before making final payment. They agreed to remove this from my credit report however today XXXX they told XXXX that I still owe them {$3400.00} when they have been paid in full. I called them & they deny confirming this to XXXX. I am caught in the middle & my credit score suffers & I am being denied credit due to this unfair reporting.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-28
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. (CA)

I recently received a copy of my ( Experian, XXXX, XXXX ) credit report, and I noticed some late payments on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Acct # XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These companies are in clear violation of the law. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give written instructions to furnish this account on my report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Also, this agency is in violation of the law, 15 U.S. Code 1666b - Timing of payments a ) Time To Make Payments ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. THIS AGENCY HAS NEVER PROVIDED, MAILED, OR DELIVERED ANYTHING ACCORDING TO TIMING OF PAYMENTS. Please delete and update the late payments from my consumer report, this agency is in violation of several consumer laws which should be acted upon immediately