davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

These accounts have violated my rights! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. 
Please provide original contract with my signature or I expect these accounts to be deleted within XXXX days!!!
Consumer complaint received 2016-02-19
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

XXXX is no longer reporting the payment arrangement that I have had for over a year with them to my credit report with any of the credit reporting agencies. I have been paying {$250.00} per month for over a year to XXXX through the debt collector they have hired Financial Asset Management Systems. XXXX is no longer reporting the payment arrangement anymore to any of the credit reporting agencies as they had been doing even though I have been paying {$250.00} per month under the 0.001 % payment arrangement for over a year and to which XXXX had agreed to report on my credit report. I have all the documentation that shows that I have been paying Financial Asset Management Systems {$250.00} per month for over a year. There is no reason why XXXX should no longer be reporting the payment arrangement to the credit reporting agencies as I have been paying their debt collector under the payment arrangement for over a year and I have the documentation to prove it.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

After reviewing my consumer report I noticed a suspicious account and I need the account to be validated. According to 15 U.S. Code 1692 ( a ) " There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. " So, I need this alleged debt that is on my consumer report to validated.
Consumer complaint received 2017-02-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was contacted this morning by someone named XXXX XXXX at a company he called XXXX XXXX XXXX. I was told to call another number, XXXX. A women from that number told me that they had a case in my name which originated with Ace Cash Express but said although Ace had already written off the debt, there is a third party lender that is pressing charges and that the States Attorney Office had already signed off on the case. I contacted the States Attorney and was informed that they had no such information or case under my name and info and she also said that this type of situation has happened before and that this is a scam. She also informed me that they could n't put me in jail for a debt but that they could sue me. Since this debt is over 6 years old and I have moved at least XXXX4 times since then, also phone numbers have changed, I 'm confused as to how they obtained my current information. This scares me, not because of an old unpaid debt, but rather how my info can be so easily obtained. I also do not appreciate being told that if I do n't respond within an hour, they will come and arrest me even asking if I have any large animals. All phone numbers involved this morning were, XXXX, XXXX, XXXX. I 've done a reverse lookup on all phone numbers with no results for any of them.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have opened a Home equity line with XXXX XXXX on XX/XX/XXXX, Account number XXXX with approve credit line of {$150000.00}. 
From that date, I never use this Account. I moved to Texas in XXXX, and close checking, saving Account with XXXX XXXX  but not Home equity line. I have note them my new address at Texas, and they have send me the XXXX XXXX XXXX date XX/XX/XXXX. From that date, I did not receive any information, statement from them. 
Up now, when I check from credit report, I know that there are a balance of {$63000.00} from my Equity line account. I call them and they said that is annually fee charge of {$90.00} and that charged is for 9 years. I complain why they did not send us any statement or XXXX to report this charge, they said that may be I did not update the new address!? As above mention, I have receive their XXXX XXXX XXXX card on XXXX, and my daughter live there in the house at California ( House that I apply for this equity line ) she did not receive any paper from XXXX XXXX. The manager told me that the fee charged is not refundable. 
I really feel bad about this and want to ask for help.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2018-12-29
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. (MS)

i has been dealing with this item against XXXX XXXX XXXX XXXX XXXX  reporting an incomplete account and saying that i'm 120 days past due, has violated the 30 days to comply multiple times by not replying to my letters that i sent regarding this issue.i have sent letters on 3 different occasions XX/XX/18,XX/XX/18, and XX/XX/18 and not heard back from neither reply.this is the usps delivery conformation XX/XX/2018 is XXXX XXXX XXXX XXXX XXXX and i have the letter to verify that i sent them that i will upload it.need help in this matter.It only showing on equifax and i would like it remove like XXXX  has deleted.
Consumer complaint received 2016-01-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

On XXXX 2014 I made my regular schedule payment to Caliber Home Loans with my personal check from XXXX XXXX XXXX XXXX a few months i received a letter requesting payment which I provided a copy of my check payment from my bank. 
recently XXXX payments were made for the month of XXXX on XXXX XXXX and the XXXX which i called Caliber Home Loans to request extra payment should be posted for the month of XXXX. I sent numerous letters and many phone requesting an investigation instead their collector department constantly requesting payment
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 2023-07-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: GOLD STAR MORTGAGE FINANCIAL (MI)

My name is XXXX XXXX. I was tricked into signing an ARM/ Adjustable rate mortgage by : XXXX XXXX LOAN OFFICER Phone : XXXX Email : XXXX XXXX : XXXX LOAN ORIGINATOR COMPANY IDENTIFIER : XXXX State Licenses : MI LENDER CASE NUMBER : XXXX We had discussed that my " 80/20 '' mortgage was in fact, 100 % fixed rate and that unfortunately was not the case. My payment has we About an hour before the closing time she called and said that she can not make it but the paperwork was there and all correct. This I realize now was all part of her plan. 

My XXXX loan payment has went from the original : {$1000.00} ALL THE WAY UP TO : {$2600.00} When the first monthly bill increased I contacted XXXX about it and she said : " XXXX, that can not be correct, the mortgage company can not just raise your payment... .. '' I emailed copies of the bills to her company email, sent screenshots of them to her cellphone ( as requested ) and to her and cc'ing her boss. 

They never responded ( shocker ) .... I followed up with them several times and as the payment increased to north of {$1800.00} I started calling them frantic again trying to get a resolution for their mistakes/lies/fraud but they never even contacted me back with a resolution .... 

XXXX had assured me that the rate was FIXED at 3.990 %. 


If we can not resolve this situation then we are likely going to loose our home as that is an extreme increase in the monthly budget. 


I am not certain which other details and or documents would be helpful but I would really appreciate a response of some kind regarding this matter so that I know how to proceed. 

Thank you in advance for your time, help and consideration regarding this truly unfortunate situation as I have a XXXXXXXX XXXX XXXX XXXX and a pregnant wife who is extremely stressed ( as am I ) about this situation and we are scared for out wellbeing. 


Respectfully, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2018-07-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CARS Acquisition, LLC (SC)

Im a XXXX who had a joint account with my sister.She had a car loan with XXXX XXXX but was having problems with the car and wasnt able to make payment due to the expensive of the car to repair it so she spoke with them and told them about the issue and the car was no good and the repair was to expensive.She talked to the lender and the agreed to come get the car.The car is now in possession of the lender and she no longer has the car but is still being charged for another months payment and its reporting on credit report when she already sent the car back a month ago.This is effecting my credit bad and I dont think I should be getting charged and she doesnt have the car no more.So this company is reporting a negative payment history about a payment thats inaccurate that Ive disputed but they wont take off my credit.
Consumer complaint received 2023-07-07
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. (CT)

On XX/XX/XXXX, there is an unauthorized inquiry from XXXX XXXX on my Tran Union credit report. Let it be clear, I DID NOT APPLY for an XXXX XXXXXXXX XXXX! Nor did I receive any letter from XXXX XXXX. Trans Union and XXXX XXXX illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FIFTH TIME I am addressing XXXX XXXX EGRIOUS NEGLIGENCE! After the XX/XX/XXXXXXXX  CFPB complaint, I received letters dated XX/XX/XXXX from XXXX XXXX stating that my application may have been declined in error. We apologize for any inconvenience this may have caused. What does XXXX XXXX not understand? I DID NOT APPLY FOR AN XXXX XXXX XXXX! Any application XXXX XXXX received was unauthorized.
Consumer complaint received 2018-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I consolidated three XXXX school loans with Sallie Mae, totaling XXXX. As I was going to work in a XXXX XXXX shortage area ( a rural XXXX XXXX XXXX XXXX ), I received some repayment funds through the XXXX XXXX XXXX XXXX. I requested that payments be applied to principal. I made payments totaling XXXX between XX/XX/XXXX and XX/XX/XXXX. The loan was handled by Navient. When I became aware that Sallie Mae/Navient were applying very little of the payments to principal, I contacted them. I was told the situation would be corrected. It was not corrected, despite Navient 's promises. Their solution every time I called to was place me on forbearance while the problem " was fixed ''. I did not wish to be on forbearance. In XX/XX/XXXX I advised that I would not make further payments until payments were correctly applied. My payments of over 100,000 show my willingness to acknowledge my debt. Instead of helping me to resolve the situation, Navient continued to put me into forbearance without my consent while charging late fees and capitalizing interest. As of XX/XX/XXXX Navient claims I owe XXXX in spite of the XXXX paid. Since I would not consent to forbearance, Navient has placed the three separate loans on my credit report. I have challenged these. They have acknowledged to the three credit bureaus that all of these facts are correct. I have worked for over 11 years at a rural XXXX, and was never advised of the Public Service Loan Forgiveness program Navient told me this would be referred to their " fraud department '', but I never heard from them. I have made every attempt to resolve this without pouring more money into interest only payments, but Navient shows no willingness to work with me.
Consumer complaint received 2018-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Garcadia Financial LLC (OK)

On XX/XX/2018 at about XXXX CST, I spoke XXXX XXXX with XXXX XXXX. I had been working with her on a payment deferment and loan modification, due to a loss of income and period of unemployment that caused me to fall behind. XXXX gave me some options over the phone to help with the issues. XXXX stated on the call that she could defer 2 payments and lower the interest to 4 % and add 6 months to the loan, also stating that was the most she could do. XXXX stated the payment would be around XXXX/month with the modification. 
XXXX stated before we could move forward with the modification, but we would have to have the deferment paperwork in and payment made for that before so. 
XXXX stated on the call at least once that we could do both the deferment and modification. 
I gave XXXX a time line of when I would call in with the payments and have the paperwork in. The call essentially ended after that. 

On XX/XX/2018, I spoke with XXXX again about the deferment and loan modification. In the call, XXXX stated that she would have to apply for the modification and she didn't think it would go through. 

On XX/XX/2018, I received an email from XXXX saying that she could not offer the modification offer discussed.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2016-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (TX)

I applied for an income driven repayment plan ( REPAYE ) and my loan servicer, FedLoan Servicing, decided to sign me up for the standard plan instead. I filled out the application and transferred the tax info. I do n't know what the problem is. They pulled the same XXXX last year and it took two months and multiple phone calls to get them to sign me up for the plan I requested. They also do not respond to emails, and I can not afford to take a day off of work to figure out why they can not do their jobs.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX BANKRUPTCY ( USBK COURT XXXX TEXAS ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (AZ)

On XX/XX/18 I saw that I had an item on my credit for XXXX XXXX. It appears EOS is the collection company. I sent a letter requesting validation to the two credit bureaus that it was reporting to. On XX/XX/18 EOS sent me a letter that gave the name of the original creditor and the balance. They didn't include anything like a contract. They basically just said this is your debt and this is the original creditor. On XX/XX/18 I requested from the credit bureaus actual proof of how they validated it such as a signed contract from XXXX/EOS. Instead, I received a settlement offer in the mail from EOS dated XX/XX/18. My XXXX   credit report dated XX/XX/18 shows EOS remains. However, it doesn't appear to be on my XXXX credit report dated XX/XX/18. It has been just over 3 months that I have been dealing with this situation. I have followed the steps that I should to ensure the items on my credit report are mine and reported the way they are supposed to. EOS is keeping me from reaching my personal goals due to their unwillingness to provide the documentation that shows this debt is indeed mine.
Consumer complaint received 2018-07-18
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: EQUIFAX, INC. (CA)

All three of the major credit reporting agencies ( XXXX XXXX, Equifax and XXXX   ) are not up to date all the time on or reporting bogus information on me of which creditors look at this information and take it as being totally correct.

It also doesn't make sense that when one credit reporting agency fico score on me increases the others go down and vice versa.

When I apply for credit such as a car loan the creditor looks at several lending institutions with the best interest rates for my loan which gives me a " ding '' each time an inquiry is made and adds to my Hard Inquiries which in turn lowers my score ( I'm just trying to get the best interest rate ).

This also doesn't make any sense, for example, my fico score reads XXXX when my Positive Negative Credit Card Use is : 5 % Credit Age : 3 Years ( although I have 20+ years ) Payment History is : 100 % Hard Inquiries : 10 ( lowers score just for checking ) Derogatory Remarks are : 0 Total Accounts are : 21 WHAT IS UP WITH ALL OF THIS BAD REPORTING?
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

I discovered when I applied for credit for a new phone with XXXX that my Credit Report has been breached. Someone opened a PayPal credit card account in my name. He has my name, address, e-mail address, phone number, etc. He added an address to my Credit Report profile : ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX ) which is not mine, a name was added to the credit report profile : XXXX, a telephone number I have no knowledge of was added : ( XXXX ) and he changed my birthyear from XXXX to XXXX. I requested all the Credit Reporting Agencies delete those changes. I filed a dispute with XXXX, XXXX and XXXX which were denied because he had all the correct information about me to successfully apply for the PayPal Credit Card in my name. I called PayPal 3 times and requested they close the credit card. Credit limit was {$8000.00} and the Balance on the card was {$4500.00}. There was also a closed account on my Credit Report for XXXX and XXXX that was not mine. There were multiple inquiries on my credit report for which I had no relationship or knowledge. I do not have a card number nor a mailing address for this credit card.
Consumer complaint received 2018-07-18
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. (MD)

I was lead to check my credit report during the time I started to work towards purchasing a home. I found that XXXX XXXX XXXX was reporting for an unpaid debt and sold to a third party collection company. The original creditor refused to even speak with me in regards to this account and referred me to the the third party agency. After contacting the collection agency, I found that this account was established by my mother ( who is now deceased ). Ive sent proof that I was not responsible for this account. During the investigation, I requested information pertaining to this debt to no avail. Since the investigation, Ive decided to settle on this debt due to the hinderance in the process of purchasing a home, however, Ive since disputed both creditors and have yet to receive any supporting documentation pertaining to this debt.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

tried to apply for a XXXX card via capital one and was denied, told i would receive a paper notice explaining why the application was denied. when the notice came, it did not list a reason, but instead simply said here are the reasons we couldnt match you with an offer : with a blank space after the colon.