davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: PNC Bank N.A. (IL)

I bought a XXXX XXXX from XXXX XXXX XXXX and was told in order to get their rebate off my car I had to take a loan out so u said I can but I can pay it in full and the dealer told me I had to make XXXX payments and could not pay it off the day of purchase with the bank so now Ive been charged over XXXX in interest waiting on my loan information from PNC and this was predatory lending practices and high pressure sales which are both illegal. They also did a 6 year loan at XXXX and did not shop around for any rates and gave me a very high rate and term.
Consumer complaint received 2018-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

After reviewing my free annual credit report in late XXXX, I noticed Nelnet had been reporting to the credit bureaus that I had 16 missed payments with them. Confused, I called to speak with a representative about this error who informed me that because I have 4 separate loans with Nelnet, when I missed 4 payments during the summer of XXXX, ( XXXX, XXXX, XXXX and XXXX ) it is reporting as 16 late payments. 

I expressed to the representative that this reporting of 16 missed payments is a bit misleading as I only make one monthly payment to Nelnet that is then disbursed between my 4 loans. The reporting of " 16 missed payments '' is not a fair and accurate representation of my payment history with the lender. She advised me to send a " goodwill letter '' to the " higher ups '' since they are the individuals who have to power to approve those types of changes being reported to the credit bureaus. 

On XX/XX/XXXX I sent a goodwill letter via email to Nelnet 's six Executive Leadership team members. To this day, I have not gotten a reply about why this situation could not be worked out. 

I followed up in XXXX with the credit bureaus and was informed by all three that any changes made to the payment history has to be initiated by the lender in their monthly report.
Consumer complaint received 2018-06-04
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. (IL)

I went to XXXX XXXX  XXXX showroom on XX/XX/XXXX to purchase a car! I had a pre-approved load from XXXX. The Finance manager in the showroom told me that he can offer me the same interest rate from XXXX and insisted me to take the loan from them as the documentation process will be done right away! He asked me to provide my details and gave the details to him and told him that I approve only 1 hard enquiry on my credit report and will not accept multiple hard enquiries as I already have a pre-approved loan. 

I have been deceived and I see 6 hard enquiries on my report which I have not approved. 

XXXX - Unauthorized hard enquiries XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX Equifax - Unauthorized hard enquiries XXXX XXXX - XX/XX/XXXX Please do the needful!
Consumer complaint received 2018-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I request debt validation on XXXX XXXX and they received my certified mail on XX/XX/XXXX by XXXX XXXX. They did not response my request. Same request were sent to XXXX XXXX XXXX XXXX three times. They send me very suspicious fraud letter back on XX/XX/XXXX and XX/XX/XXXX. Billl of Sale was mentioned Exhibit 1 but it was blacked out. I report FTC for ID Theft who named XXXX XXXX XXXX ( XXXX XXXX No XXXX ) and XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-06-04
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. (GA)

XXXX  remove a public record from my account due to the fact that The XXXX bankruptcy court does not report any public records to any credit report agency. 

XXXX has removed the item but TransUnion and XXXX has not. I've sent them I certified letters and they still have not removed the item.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CT)

On XX/XX/XXXX, I sent XXXX XXXX a certified letter with return receipt in order to dispute the derogatory remark the company placed on my credit and is visible on my credit report. I requested that XXXX XXXX, immediately delete this derogatory remark. The last reported activity on this account was reported when it was closed on XX/XX/XXXX, 4 years ago. I requested that your company send me a response to which the remark will be removed or not to my address listed above within 30 days. Please keep in mind that derogatory credit accounts are defined as the following : disputed accounts with late payments in the last 24 months however my account has been closed for 50 months now. The 30 days have passed and I have not received a response from the company. However the return receipt proves that they did receive the letter I sent.
Consumer complaint received 2024-10-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/XXXX, I sent XXXX XXXX a certified letter with return receipt in order to dispute the derogatory remark the company placed on my credit and is visible on my credit report. I requested that XXXX XXXX, immediately delete this derogatory remark. The last reported activity on this account was reported when it was closed on XX/XX/XXXX, 4 years ago. I requested that your company send me a response to which the remark will be removed or not to my address listed above within 30 days. Please keep in mind that derogatory credit accounts are defined as the following : disputed accounts with late payments in the last 24 months however my account has been closed for 50 months now. The 30 days have passed and I have not received a response from the company. However the return receipt proves that they did receive the letter I sent.
Consumer complaint received 2018-06-03
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: EQUIFAX, INC. (TX)

My score was drop to the lowest because of a problem on the Equifax. There are two reports saying two different things. On the page labeled changes it has dropped my credit score down over 500 points, but on the page labeled Factor it said the account is still there in good standings
Consumer complaint received 2018-06-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I applied to refinance my car loan with XXXX XXXX XXXX XXXX. 
I already have a car loan with this company and figure that it would be easy to refinance with XXXX XXXX XXXX. 
After applying over the phone I did not hear from them for over 2 weeks when I Had to call them to find out status of my application. 
After waiting 45 minutes and talking to 3 reps who did not what was going on, I then receive a letter stating that my application had been denied. 
The reasons stated were that my score was low ( XXXX ) when in fact my score is XXXX. 
Also to many inquiries .which make no sense because I only had my credit report pulled several months in the past Year. & I  believe that XXXX XXXX XXXX discriminated and used the lowest score possible to deny my application. 
I would like to know what remedy I have to resolve this issue.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (MA)

Capstone Credit is reporting illegally to the credit bureaus in an attempt to collect on a fraudulent debt. They are not licensed to collect on a MA state resident. They were informed of their illegal activities via certified mail XX/XX/XXXX via 93A Demand, again in XX/XX/XXXX and again XX/XX/XXXX They have refused to provide validation of their claim and continued to report and attempt to collect in violation of state law : Massachusetts General Laws, Part 1, Administration of the Government, Title XV Regulation of Trade, Chapter 94, Section 24A : ( a ) No person shall directly or indirectly engage in the commonwealth in the business of a debt collector, or engage in the commonwealth in soliciting the right to collect or receive payment for another of an account, bill or other indebtedness, or advertise for or solicit in print the right to collect or receive payment for another of an account, bill or other indebtedness, without first obtaining from the commissioner a license to carry on the business
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

I have an unverified account from AARGON AGENCY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AARGON AGENCY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8.  An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AARGON AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-06-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PLS GROUP, INC (TX)

XXXX XXXX ( XXXX ) called me on XX/XX/XXXX to advertise for XXXX XXXX XXXX football. Later that day, I submitted a check for {$250.00} to the " XXXX XXXX '' person who came to the door. A short period later, I researched XXXX XXXXXXXX & discovered they have a grade of " F '' from the XXXX  website. On XX/XX/XXXX, I texted the above phone number to cancel the order. On XX/XX/XXXX, I emailed XXXX : " I canceled the order. Thanks for your understanding ''. This counts as my official cancellation that is on the 3rd day from the order. On XX/XX/XXXX, I texted to the phone number above about the situation, & that person was very argumentative, disrespectful, & the person called me " terrible ''. On XX/XX/XXXX, I left a voicemail with the person from the above email indicating not to print anything and that the order is canceled. On XX/XX/XXXX, XXXX calls me indicating that my check was returned ( I already did the stop payment ), & now they told me they are sending me to " collections '' & are insisting I pay " {$280.00} ''. I canceled the order ; they need to cancel the check & stop trying to get money from me!
Consumer complaint received 2018-06-03
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 — Problem with personal statement of dispute
Company: M&T BANK CORPORATION (VA)

I applied to refinance my car loan with m & t bank. 
I already have a car loan with this company and figure that it would be easy to refinance with m & t. 
After applying over the phone I did not hear from them for over 2 weeks when I Had to call them to find out status of my application. 
After waiting 45 minutes and talking to 3 reps who did not what was going on, I then receive a letter stating that my application had been denied. 
The reasons stated were that my score was low ( XXXX ) when in fact my score is XXXX. 
Also to many inquiries .which make no sense because I only had my credit report pulled several months in the past Year. & I  believe that m & t discriminated and used the lowest score possible to deny my application. 
I would like to know what remedy I have to resolve this issue.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Kohl 's is reporting a balance of {$280.00} on an account that I settled with them in XX/XX/2012. I agreed to pay {$170.00} as settlement in full for this account in XX/XX/2012 and Kohl 's accepted this amount. However, I now find that they are still reporting a balance. It is my belief that Kohl 's failed to write off the amount of the debt that was forgiven in settlement. I have requested, under the Fair Credit Billing Act and other federal laws, detailed financial information directly from Kohl 's documenting that balance and payments made, but Kohl 's has stated that they can not provide that information. The reporting of this balance and delinquencies from XX/XX/2012 to now, are causing me difficulty in obtaining necessary financing.
Consumer complaint received 2018-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc. (KS)

XX/XX/XXXX I was notified by XXXX that a collection account was reported to my file. I immediately contacted the debt collection agency and was advised it was for a debt in XX/XX/XXXX with XXXX XXXX XXXX. I contact XXXX and there provided no reason as to why I owed considering I paid for services when services was rendered. I've received no call nor letters despite them having the correct telephone number. I did not agree to any charges other than the ones I paid on the day XXXX received services. The balance I paid at time of service was due as a result of what insurance did not cover. They can not provide anything signed by myself agreeing to extra charges nor the fees they are now all of a sudden saying I owe. Fees are preset and charges not covered by XXXX XXXX were provided at time of service at what point payment was due. I did not authorize any other charges nor agree to pay anything other than what I've already paid.
Consumer complaint received 2018-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received an Exclusive Pre- Qualified credit offer from Capital one. I applied for it with the Reservation # and the Access Code they provider in there offer. I was denied Credit, with a Hard Inquiry Hit of 40 points off of my credit score ... 40 POINTS!!! I Read the small print it said with the Pre- Qualification I would Not Receive a Hard Inquiry.I'am so frustrated! I have been trying to repair my credit. XXXX XXXX suggested I needed more revolving credit and strongly suggested Capital One. It feels like Blackmail. 40 Points for being Denied is unheard of ... please help!!! I applied for this Capital One Offer The Middle of XX/XX/2018.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have had an on going problem with this company. I have a 30 day late for XX/XX/XXXX which was not late. According to TFS my payments on this account were due on XX/XX/XXXX, the car was totaled out XX/XX/XXXX and the account was paid off as of XX/XX/XXXX which means the payment for XX/XX/XXXX was not late.
Consumer complaint received 2018-06-04
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: Experian Information Solutions Inc. (IN)

My name is XXXX XXXX and I am a member of the XXXX XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX I was XXXX overseas. While serving my identity was compromised and numerous accounts have been opened in my name. As a result, I now have several items reflecting negatively on my Experian report. I have included the items below. My unit has sent the attached notice to Experian as well as the creditors involved, and further legal action is pending. Please have Experian immediately remove the items below as they are affecting me negatively economically.

XXXX XXXX XXXX  Amount : {$14000.00} XXXX XXXX   Amount : {$22000.00} XXXX XXXX XXXX  Card Amount {$360.00} XXXX XXXX XXXX Amount : {$900.00} XXXX XXXX XXXX Amount : {$1300.00} XXXX XXXX  Amount : {$3200.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Amount : {$2200.00} XXXX XXXX XXXX Amount {$730.00}
Consumer complaint received 2018-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

I have been trying to have my final disbursement process from the Freedom Mortgage. 
I have had so many issues with this company. I have sold my home and still waiting for them to process my disbursement way before the home was sold. I have a voicemail saying it would be mailed out I have an email saying they will look into it. I spoke to someone that it was processed. I was told it would be overnight.
Consumer complaint received 2018-06-04
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. (NY)

I pulled a credit report and the following information is wrong : Real Estate Credit accounts ; Both XXXX and Transunion have an inflated amount, they have the payments due as {$7700.00} per month, but should be {$4900.00} as reflected by XXXX. 

Both XXXX  and Transunion have Installment credits accounts as {$2400.00}, this is incorrect. The amount should be {$1000.00}, as reflected by XXXX. 

XXXX has my name as XXXX XXXX XXXX, it should be XXXX XXXX. 

XXXX  has a late payment for XXXX, dated several years ago, the car was turned in for another vehicle, I was never late on the payment.
Consumer complaint received 2018-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called Capital one twice, once in XX/XX/XXXX, and again in XX/XX/XXXX. I called because I was not receiving the rewards points that were shown on the advertisement of the credit card. I was to receive 3x 's the points for using my card on my phone bill, and 5x the points if i spent any on the XXXX XXXX. However i have not received my points, even though i was told the issue would be fixed. I even contacted XXXX XXXX XXXX about the issue who redirected me back to capital one. 

I have attached my bills since XX/XX/XXXX to show my transactions, and prove that i used the card for my phone bill and one XXXX XXXX transaction. I also included my points from XXXX XXXX to show that i am only receiving XXXX point for every XXXX. I also included the advertisement of the card from capital one. 

When I went back to do the math it looks like they tried to fix problem in XX/XX/XXXX and gave me the points i was owed but then the ball was dropped and i was going back to receiving only XXXX point for every XXXX even though i continued to use my card for my phone bill.
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Today, XX/XX/XXXX @ XXXX, I spoke with XXXX ( ID # :XXXX ) in the Chase Corporate Office concerning, my checking account and the Chase Collections Department ( s ) unlawful and unauthorized withdrawals of my " personal '' cash deposits/monies deposited in my " personal '' checking account to cover my own debts. I shared with XXXX that I have monthly withdrawals from a Life Insurance Co. coming out of my " personal checking account '' ( tonight, usually paid on the XXXX of each month ), I shared with her that I " needed '' to speak with a Chase manager ( during our telephone call ) ; however, she REFUSED to allow me to speak with a manager ( citing, a manager would be phoning me ASAP ), I shared with XXXX that I have already spoken with XXXX ( and wasn't requesting to speak with XXXX )., I shared with XXXX that XXXX telephoned me to report that she had received my complaint 's. I requested ( from XXXX ), the address of the CEO, I shared with her ( XXXX ) that I have written personal check 's " to be PAID '' from my personal checking account ( FREQUENTLY ), I shared with her that my ADULT daughter made payment arrangements with the Chase Collections Dept. for her own CHASE debt ( beginning, XX/XX/XXXX ), I shared with her ( XXXX ) that Chase shouldn't be withdrawing monies from my personal checking account ( to cover my ADULT daughters debt ), I shared with her that my " personal CASH monies '' deposited have NEVER ( in the past ) covered my daughter 's debt to her personal CHASE checking account ( in the past ). And, XXXX agreed with me. My daughter, is an adult. I am NOT responsible for my adult daughter 's CHASE debts. Tonight, I deposited {$94.00} to my " personal checking account '' for my monthly Life Insurance Policies {$28.00} and monies to cover my PERSONAL {$65.00} check. However, Chase Collections Department continue to unlawfully withdraw my " personal CASH DEPOSITS/monies '' from my " personal '' checking account to " cover '' my adult daughter 's previous CHASE debt 's ( in spite, of my external filed complaint 's ). In spite, of my many, many filed internal Chase complaint 's. In spite, of my adult daughter 's payment arrangement 's made recently with Chase. Chase, continues to assess " unlawful '' NSF fee 's to my personal checking account that is directly caused by Chase Collection Department Representatives ' unlawful withdrawals from my cash deposits ( made to my personal checking account ). For the record, Chase isn't to use my personal email or any other personal information provided for this CFPB complaint. I will fax, a copy of my proof of cash deposit into my Chase " personal '' checking account to the CFPB ( deposited tonight at XXXX, XX/XX/XXXX ) XXXX XXXX @ XXXX.