davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC. (IA)

I went into XXXX XXXX to buy a car. I was in urgent need since my car had been totalled and I needed a car to get to and from work and get my kids to where they needed to be. I saw a XXXX XXXX for Sale, the sales man told me they would sell it to me for {$17000.00}. I test drive it and it sounded ok, the stearing wheel was hard but i figured it was because I was used to driving an old car. Once I got to finance the gentleman convinced me on getting an extra insurnace for the car. He said it would only add a couple dollars to my monthly payment. I said ok he never told me the total amount i was going to end up paying he also never said anything about GAP insurance. I signed my paperwork and the total amout that was going to be financed was about {$13000.00} after my {$4500.00} downpayment. I went to my insuramce and they suggested I go back and ask if i could get gap insurnace on the car since they didnt provide me with that. I did and we did everything in a hurry because that was all that was being added to the paperwork he had me sign all of my new paperwork in a hurry he took my old paperwork and shredded it. After I got my paperwork from the bank it showed a remainder balance of {$19000.00}!! I called and asked if it showed the {$4500.00} downpayment that i had given, and she said I would have to talk to the dealership about that. I went to my car and grabbed my paperwork and saw infact that was what the dealer had sent to be finanzed, it has an add on of {$990.00} and an add on of {$2600.00} for service all of my paperwork shows different amounts! Everything is done so wrong! I also found out they gave me a vehicle that had some part broke and that is why the stearing wheel drove so bad. I am so mad and sad that they would take advantage of me this way! Just because I was in a big hurry to buy a car. I am so upset.
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

IQ Data International inc : amt XXXX XXXX XXXX 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in WA state RESOLUTION : I demand the business remove the negative report against my SSN at any credit  reporting agency, including but not limited to XXXX, XXXX, & XXXX. In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database. <P/>Hope this helps. This has been successful for me personally in have the collections removed from my report however each individual and circumstance is unique.
Consumer complaint received 2017-07-11
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. (CA)

I tried cancelling Transunion account, but they are still charging my account. Also, online it says the only way to cancel with Transunion is to call them, but I have XXXX XXXX and can not do this.
Consumer complaint received 2017-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (TX)

This company is trying to collect {$16000.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or everhad ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with  my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I paid my mortgage off on  XXXX / XXXX / 2017 , and sent the amount on the payoff letter from  Specialized Loan Servicing. I had an escrow balance that was due a full refund as taxes were not yet due., and also  paid interest through  XXXX / XXXX / 2017 , which also was due a refund. Specialized loan servicing did a partial refund, claiming the payoff wire from  XXXX   XXXX  was short $  XXXX . I have verified with  XXXX   XXXX  that they paid the amount on the payoff letter via wire. Now I am short the balance of my escrow refund and approximately {$1100.00} on my per diem refund. Several call t o Specialized Loan Servicing have resulted in nothing, except run around, hang u ps, and erroneous responses, but still no proper refund.
Consumer complaint received 2017-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I live in XXXX XXXX in XXXX, XXXX for almost five years. My lease was nearing expiration and I am a XXXX veteran and decided to relocate near my family in XXXX, XXXX. I wrote on my last money order to XXXX XXXX that I would not be re-newing my lease. When I did go to talk to the Leasing Office, they said I did not fill out the notice to vacate form. I did not know I had to fill out this form. It was in the fine print of my lease agreement but I did not notice that part. I begged and pleaded with management to not charge me for rent if my lease was up and I was actually moving. I have never been late on my rent or gave the management any issues. I was so upset when this showed up on my credit in collections. Not only did it showed up on my credit but my XXXX year old son, who is a college student. I am an XXXX veteran living on a fixed income. I can not afford to pay IQ Data Collection agency over {$2000.00} in charges and I dont think its fair that XXXX XXXX charge me this amount. My rent was only about {$1300.00} per month when I lived there. I am requesting that the company remove this debt from my son and I credit and allow us an opportunity to work this out with XXXX XXXX or walk away from this debt fully. Our lease was up in XXXX 2015 and that is when we officially moved out.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OR)

Account status is a critical information upon which lender may rely to assess credit worthiness. Equifax should make sure that account status information, including any additional extraneous information they add to the credit report, is accurate. This is not the case. Instead of simply correcting the status of the loan as requested, Equifax added inaccurate information. 

On XXXX/XXXX/16, Equifax reported XXXX XXXX / Account No. XXXX status as 'Pay as agreed. ' On XXXX/XXXX/16 and XXXX/XXXX/16, the consumer and the lending company ( XXXX XXXX ) reported to Equifax that XXXX XXXX had been sold to XXXX XXXX XXXX As of XXXX 2016, Consumer had no open student loan with XXXX XXXX XXXX ( see fax from XXXX dated XXXX/XXXX/2016 ). On XXXX XXXX, 2016, Equifax changed the status of Account No. XXXX XXXX XXXX XXXX XXXX to 'transfer/sold. ' This is correct but Equifax also added : 'ADDITIONAL INFORMATION - consumer disputes this account information ... '' This extraneous statement is inaccurate. We disputed the previous account information ( i.e. Equifax 's failure to report the loan as closed and transferred ), not the current status ( closed ). We did not dispute the current status of the loan. Equifax must correct the credit report, i.e. remove reference to a dispute.
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 XXXX 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 2024-08-23
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and XXXX XXXX reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.
Consumer complaint received 2024-08-23
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2017-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I have tried several times to have FAIR COLLECTIONS & OUTSOURCING to send me verification of debt. on to this day I have n't received any notice from them. I would like them to completely remove any negative mark on my credit reports.      XXXX  Account Type : Collection Account Type - Detail :  XXXX   XXXX   XXXX  : Joint Account Status : Derogatory Monthly Payment : - Date Opened :  XX/XX/XXXX   Balance : {$3400.00} No. of Months  (  terms ) : -  High Credit  : {$3400.00} This is the only information that I have of this dept that is showing on my credit report
Consumer complaint received 2017-07-12
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: EQUIFAX, INC. (MD)

I have written 3 letters regarding Unverified accounts reporting three times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have made several attempts via certified mail and notarized documentation requesting the XXXX, TransUnion, and XXXX to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My TransUnion credit report presents with ( XXXX ) addresses that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. I have repeatedly requested that these addresses be removed and they have not been removed as of yet. In addition, TransUnion reports the following information that does not belong to me : 1- XXXX XXXX XXXX, XXXX, XXXX/XXXX/XXXX, {$940.00} 2- XXXX, XXXX/XXXX/XXXX, {$0.00} 3- XXXX XXXX, XXXX/XXXX/XXXX , {$110.00} 4- XXXX XXXX XXXX, XXXX/XXXX/XXXX , {$0.00} 5- XXXX XXXX XXXX, XXXX/XXXX/XXXX , {$8500.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$89000.00} 7- XXXX XXXX, XXXX/XXXX/XXXX, {$1900.00} 8- XXXX, XXXX/XXXX/XXXX, {$89000.00} 9- XXXX XXXX, XXXX/XXXX/XXXX, {$110.00} 10- XXXX XXXX, XXXX/XXXX/XXXX, {$3500.00} 11- XXXX, XXXX/XXXX/XXXX, {$4000.00} 12- XXXX, XXXX/XXXX/XXXX, {$350.00} 13- XXXX, XXXX/XXXX/XXXX 14- Judiciary PG Court, XXXX/XXXX/XXXX, {$170.00} 15- XXXX XXXX, XXXX/XXXX/XXXX, {$420.00} 16- XXXX, XXXX/XXXX/XXXX, {$590.00} Please remove these items
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

since XXXX 2017 I been trying to get ARS ( Account Resolution Services ) to verify a {$8500.00} debt. As well as XXXX XXXX XXXX for {$7300.00} They have failed to verify and validate and instead had all 3 credit bureaus updated ( reaged which is illegal ) as verified but where is the verification and validation? I have not entered a contract with this company to collect for the hospital they are representing. Upon further investigation I discovered that The Texas Secretary of State maintains a Debt Collector Search that lists all debt collectors who have ever applied for a surety bond. After performing such search I have confirmed that the debt collector that has contacted me does not have an active surety bond, which means they are illegally attempting to collect debt in Texas. I move to cease collections. also I advise the debt collection agency that I intend to file a complaint with the Texas Attorney General if they fail to comply with my request. While the collection company may escape Texas civil penalties in this particular case, their violation may impede their ability to collect debt in Texas in the future because of a denied surety bond application, costing their business untold revenue.
Consumer complaint received 2017-04-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (MI)

I have been trying to enroll in an income based repayment plan for 2 months. The first time I tried the loan company said they needed my tax information when typically in the past they electronically obtained it. This year, ironically I had to submit the document by mail, email or fax. I faxed the information and they wrote me telling me they could not enroll me in a program because they did not receive tax information. So I resubmitted an application to enroll in the plan and they said I was approved but told me I needed to fill out the, application again! My  XXXX  payment is due on   XXXX   XXXX   and it appears as if they are stalling me on purpose to ensure that I reach repayment status and end up in default. I can not afford to pay {$2000.00} in repayment. This is unfair to me as a borrower. I am depressed and going to see a psychiatrist because of this issue. This will ruin my life and I will certainly be in default by the end of the year if I can not enroll in this program.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

I have been disputing inquiries that were not made by me and they were not removed and no response or actions has been made by the credit reporting company. 
Below are the inquiries that are to be removed : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2017-07-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I provided the XXXX app with my Bank of America banking login information for the purposes of earning reward points based upon their monitoring of my credit card charges at specific merchants. I made several purchases at XX/XX/XXXX which was one of my selected retailers which initially tracked and I earned points from ( XXXX points per dollar spent at XX/XX/XXXX ). Recently my purchases have stopped tracking. However, the issue is that I redeemed XXXX points for a {$20.00} XXXX gift card which I have yet to receive after one week ( FAQs state payouts will be made within 3 days ). I 've submitted multiple inquires to XXXXXXXXXXXX and it seems they will not pay out saying my account has been flagged for my safety. Their responses are generic and not informative. If there was an issue with my transactions, Bank of America would advise me and it is not XXXX XXXX job to do so. XXXX is simply there to monitor transactions to provide rewards. If they do not pay out what I rightfully earned, they are a scam and need to be shut down immediately seeing how their business involves gathering consumer 's bank account login information and monitoring financial activity. Per their terms and conditions on the day I signed up and when I redeemed my gift card, all was done in accordance and I am completely eligible for my award redemption.
Consumer complaint received 2024-10-15
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX XXXX XXXX. After having XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX XXXX XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for XXXX medical services. My excellent ( check the history ) credit status should be restored immediately.
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

the mortgage company is Ocwen..they refused to do a modification, I even got a legal aid lawyer that turned on us..after fighting with Ocwen for over two years they forced me and my family out, we did use the XXXX XXXX XXXX and they gave us a runaround.We paid other companies to help, we did.Every way we took to save our home, Ocwen through up a brick wall , they would n't compromise in any way ... although I send them adequate income all they wanted was my house and on XX/XX/XXXX they put us out, even though we had a son which was extremely ill, our son was a XXXX with serious issues, we were forced to leave and seven months after being forced out our son XXXX away in XXXX XXXX..we beg and pleaded with them, we were homeless for 17 days, we had to put our son in the hospital because we had nowhere to go, I wrote senators, congressmen, governor, even the president ( Obama ) no one helped..We knew that Ocwen was stealing the house we built away from us and nobody cared ... fourteen years, they sold our mortgage several times and yet nobody informed us.How could the government we pay taxes to, to protect us, how could they just turn their backs and allow these greedy soul-less companies steal our home..where is the justice!!!!!