davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MO)

ERC contacts me and leaves call-center sounds on my cellular telephone answering service. However, today I was able to answer the telephone before it went to the answering service. The caller did not identify herself other than to ask for " XXXX XXXX, '' whom I promptly informed her was nobody known to me. She then hung up abruptly without explanation. I used a call-tracing service to determine this was ERC and asked them directly and through the Federal Communications Commission to cease and desist calling me as I am not whom they seek.
Consumer complaint received 2017-06-23
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. (AL)

I have sent multiple requests to have all NONE ACCOUNT HOLDING INQUIRIES taken off of my credit report, to XXXX Transunion, and XXXX. These have been in separate letters roughly every 30 -45 days dating as far back as XXXX XXXX. I have not received any sort of confirmation that this has been taken care of, and they refuse to give my any kind of explanation as to why I have over 30 inquiries on my report and yet i only have very few accounts open. I do believe it is my right to have only an accurate description of my character displayed on my credit report and by these excessive inquiries, it hinders me from being able to obtain not only personal credit, but credit for my business and livelihood as well. I will supply you with all of the inquiries that are NONE ACCOUNT HOLDING below. Please let me know what can be done in regards to this. Again i have made several attempts to work with the credit reporting agencies and have them remove these, and they have made no attempts to comply with my request or even acknowledge my requests. Iquiries and dates : XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX- XX/XX/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 XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can clearly see, there is an excessive amount of inquiries that are none account holding, these are damaging my credit report and the Credit Reporting Agencies REFUSE to remove them. This is a violation of my rights and I demand they be removed from my credit file or in accordance to the FCRA i will file a motion for damages. Thank you for your help.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CT)

most of the personal information on my report does not belong to me, addreses..n listed are totally unfamiliar to me my credit report is full of innacuracies to many to list here, please investigated all the addresses listed in my report as the greatt t mayoroty the not belong to me and is afecting my score, thank you for any you can provide. XXXX.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have experienced many issues with XXXX who now has my former XXXX XXXX XXXX loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation onXX/XX/XXXX with XXXX that my current home loan with XXXX  XXXX # XXXX is reporting past due payments on all credit reports. XXXX told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX ; XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.
Consumer complaint received 2017-06-23
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc. (AZ)

It would appear that my son and I are victims of a predatory loan.
I co-signed a car loan 2 yrs ago for my son. The car was purchased through a local dealership ( XXXX XXXX ) and according to them, my son needed a co-signer due to an insufficient XXXX XXXX. Nothing unusual there. However, when the loan was processed through Chrysler Capital, even though it was a co-signed loan, my name is the only one on the account. I believe this was done purposely for two reasons : it allowed them to NOT report the payments in my son 's credit report which would have increased his XXXX XXXX ; and by preventing this increase, facilitated " locking '' him ( indentured ) into the higher interest for the duration of the loan. I also believe these companies are working together to create this type of situation.
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They manipulated the paperwork to make it appear as if I were the only signatory on the note ( hard money loan ) for the sole purpose of preserving a high interest loan for 6 years. The result is that my son can not re-finance this vehicle, purchase another vehicle, or purchase a home because of an incorrect XXXX XXXX.
Consumer complaint received 2017-06-23
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. (FL)

victim on credit inquiry and negative information reported on credit report.. I called the credit companies filed complains with them not solved i have negative information on my credit report from XXXX that was reported a payment was sent then returned back into my account because the bank could not match info when i checked i found out later with out notice that payment was sent back. account is settled and paid for XXXX XXXX is still reported negative info on my credit file .. Inquiries on my credit report from XXXX XXXX recently they requested my file on XXXX XXXX XXXX which resulted in a hard inquiry and from XXXX inquiry when i called i found it was from an auto loan place on XXXX XXXX XXXX inquiry. XXXX XXXX which i never authorized a copy of my report which results in a the inquires and negative info report on all XXXX bureas and this is really hurting me.
Consumer complaint received 2017-06-23
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. (WI)

The included inquiries were found on my credit report. I called Transunion and they have refused to help me. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, WI XXXX. Made on XX/XX/XXXX 2 ) XXXX XXXX.XXXX XXXX XXXX XXXX, XXXX , WI XXXX. Made on XX/XX/XXXX. This is stressful as I have tried to go through the proper channels to have this removed and I feel this should be taken more seriously. Transunion calls it a " glitch '' in their system and now will not listen to those effected by it. Thank you, XXXX XXXX
Consumer complaint received 2017-06-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

Complaint About Western Union on Money Transfer and Non-payment I refer to the above in which I was a victim of non payment of a money transfer via Western Union XXXX. The loss was in relation to a money transfer via Western Union at XXXX XXXX XXXX via a Western Union transfer no. MTCN XXXX. I am a regular user of Western Union money transfer services for many years. So far I had no problem and I am very satisfied with the service. Recently, I planned a trip to XXXX XXXX. As I did not intend to carry too much cash with me, I make a transfer at the Western Union agent in  XXXX of an amount USDXXXX to XXXX XXXX on XX/X/2017 XXXX. I am the sender as well as receiver. In my application I have included a test question and answer for security reason as this is the first XXXX I sent to XXXX XXXX. 6 hours later at XXXX I received an SMS from Western Union informing me that the money was pick up by XXXX XXXX XXXX XXXX. myself. I was shocked to know that. I immediately lodged a non-payment claim at Western Union. I was informed that they required 21 days to conclude the investigation. On XX/X/2017 I received a email from Western Union United State stating that they denied liability as they said the agent paid out the money in accordance with the procedure. I strongly believe that the agent in XXXX XXXX deliberately paid out the money because no one knew the security question and answer except the agent. I lodged a complaint at my local authority. I was advised that Western Union was incorporated in the US and it was not within our local jurisdiction. Therefore, I request your good office to intervene and help to resolve the above matter.
Consumer complaint received 2017-06-23
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. (NC)

I submitted a request to this company to remove unverified accounts that are on my credit report in violation of 15 U.S.C. 1681. They have not done so. The Fair Credit Reporting Act requires every agency that reports credit events ( including Equifax, NOT JUST THE ORIGINAL CREDITOR ) to keep in their OWN ( Equifax 's ) files VERIFIABLE PROOF of everything they report. BY LAW, this proof should come from EQUIFAX, as well as the original creditor. This burden lies of proof lies with them and they ignored it themselves and passed it off to the original creditor. EQUIFAX did NOT send me, from their own files, documents used to verify these accounts. Nor did they send me the name/contact information of the person in their company who " verified '' the information. Them stating that they have reached out to the original creditors for information about the accounts tells all of us, they have not maintained verifiable information in THEIR OWN ( Equifax 's ) personal files. They HAVE NOT produced the copy of the ORIGINAL CREDITORS DOCUMENTATION with my SIGNATURE that should be in their records AT ALL TIMES. I AM DEMANDING THAT EQUIFAX DELETE THESE UNVERIFIED ACCOUNTS IMMEDIATELY : -XXXX XXXX- Acct # XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX I will gladly HIRE A LAWYER as the law is not being upheld, and I will also go to Social Media Outlets to express my dissatisfaction.
Consumer complaint received 2017-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (FL)

OnXX/XX/XXXX2015, I took out three phones from XXXX with a family plan. A week later, I returned all three phones on the store, located at XXXX, XXXX County, Florida because the phone connections do not meet our expectations. Since I returned my phones to XXXX because the expected signals did not meet our family expectations, and I paid the appropriate fees for that transaction, and I am not obligated to pay anything to this company. However, XXXX has tried to collect a debt of {$830.00} with different collection companies. They have hurt my credit inappropriately and despite my phone is placed in " Do not call list '' they are continuing calling me looking for the " supposed '' debt. Despite, I have sent several letters requesting a Video recorded analysis in the store in which the supposed transaction was done, they have omitted this fact and they just send me bills with no signatures with my name at the top. Please, investigate this complaint and have them to remove it record from my credit report. Thanks
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2017-06-23
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: AMERICAN EXPRESS COMPANY (WA)

Both American Express and   XXXX   XXXX    XXXX  " charged-off '' and " written-off '' my debt. According to the definition of the above it states that both companie s Charge of f means that the credit grantor wrote your account off of their receivables as a loss.   They have both gotten judgements and put a lien on the title of my home. I am verified  XXXX   XXXX  and this has been communicated to both parties before and during legal action in the courts was taken. I have written  XXXX   County Superior Court to no avail. Although I do still owe the money, these compa nies are breaking the law by double dipping. Why the courts protect the big banks over   XXXX    XXXX  persons is a serious injustice and I would like to see accountability in this matter. Part of being  XXXX  is to say that I am no longer able to work, notwithstanding money is in short supply. As such, hiring an attorney to get these liens off of my title is not an option. Thank you!
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by Bank of America in XXXX of XXXX. XXXX XXXX was the first lien-holder and tried twice to participate in a short sale, but Bank of America refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to Bank of America who told us the home was charged off and we did n't owe anything. Then we received notice from XXXX XXXX saying they had the loan now. We disputed the validity of this debt. XXXX XXXX at one time agreed that Bank of America should have never sold this loan to them, but then started charging us the regular monthly payment amount of {$620.00} which has significantly increased this debt. And now XXXX XXXX is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the XXXX XXXX XXXX XXXX Lawsuit against the XXXX banks ( including Bank of America and XXXX XXXX XXXX that foreclosed on homes and should not have.
Consumer complaint received 2016-06-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (GA)

It is my understanding that I have a right to pay towards the principal balance anytime and have the entire payment applied towards the principal balance assuming I have no arrears. I have navy federal refusing to apply XXXX dollars towards the principal that I paid 10 days before my actual payment was due which had interest taken out of it as well. XXXX different people including XXXX supervisors have told me the only way I can pay on the principal balance is make a second payment on the due date. I believe this to be illegal. please let me know.
Consumer complaint received 2016-06-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (AL)

I have tried to work since XX/XX/XXXX to get this account paid and settled. I have disputed this account numerous times with the credit bureau, i have sent letters directly to SYNCHRONY BANK ( Walmart and Belk ). I got an alert today that says they have just reported an over limit fee. If the account was charged off last year, Why am I still incurring fees? I even called today XXXX/XXXX/XXXX and spoke to a representative who was no help at all, she just proceeded to tell me the account was somewhere else and they legally do n't have any information on the account. If they legally do n't have the account anymore, how are they still reporting a balance? I do n't know what to do so I am asking for help in this matter to get someone to work with me and get some help. I have consulted with legal counsel and see what can be done about them reporting inaccurate information.
Consumer complaint received 2016-06-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OH)

I got this loan to help get my car fixed. I borrowed XXXX and it was told to me that I would be paying monthly and now they say I am paying every two weeks with this intrest rate of 533.7084 % and I was told that this is illegal and now by the time I am done I will be paying them XXXX aleast that what this paper say, but after trying to figure it all out I will be paying XXXX. I feel that I am not getting treated wrong and not sure what to do about this. I do not have that kind of money to pay XXXX every two weeks, because I do not make that much money. I only bring maybe XXXX home every two weeks. Plus I have XXXX kids and granddaughter living with me. Thank You XXXX XXXX
Consumer complaint received 2016-07-08
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (GA)

In short, My signature was forged as a cosigner on a Tuition answer loan in XX/XX/XXXX by an XXXX XXXX XXXX employee in XXXX, Florida. In XX/XX/XXXX I started getting calls excessively from Sallie Mae about defaulted student loan that I did not authorize and eventually they started contacting my employer about wage garnishing. I requested the proof of this application and upon receiving it I realized that the signature is a fake. My printed name was misspelled ( as it is commonly by strangers ) and the relationship to the borrow was inaccurate. I submitted a fraud dispute in XX/XX/XXXX to Sallie Mae and it was denied. During my investigation I asked the Borrower who reports that she did not have a cosigner listed for this loan. She informed the school 's financial aid employee that she was not able to obtain a cosigner and she was told to leave the application with him and he would call Sallie Mae to see if they would need one. She was eventually told by this employee later that Sallie Mae accepted the application without a cosigner.
Consumer complaint received 2016-06-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

I have never received a bill from the vendor or Syndicated Office Systems ( debt collector ). I found it on my credit report in XX/XX/XXXX that it was reported as first delinquent in XX/XX/XXXX. However, I called the hospital on XXXX/XXXX/XXXX and they informed me that this charge was for date of service in XXXX XXXX. Syndicated Office Systems reported it as first delinquent on my credit report XX/XX/XXXX, more than 7 years later. And, now it 's on my credit report until XX/XX/XXXX from a bill I never received. I have no idea what the charge was for.
Consumer complaint received 2016-06-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION (TX)

About 3 months ago I applied for a payday loan of {$600.00}. I received the loan. Since I received this loan I have discovered and been told that in Texas the maximum amount for a payday loan is {$500.00} and can only be for 31 days. Each month for the last 3 months I have been pay {$160.00} a month but they keep refinancing my loan which does not seem to be going down but going up.
Consumer complaint received 2017-07-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (LA)

On XX/XX/XXXX 2017 I purchased a car from XXXX XXXX in XXXX La. I found out that the dealer listed my income as {$85000.00} to get the loan approved. I only make {$36000.00}. I thought the loan company would not approve a loan out of my payment ability. The loan was approved by Chrysler capital. The dealer claims I had income I did not report to IRS. I am a XXXX XXXX XXXX veteran. I now have to let the car go. This is going against me. They did this on two cars in one day. The dealer new I was a vet drawing XXXX. They do n't even require proof of income, this seems to be standard practice for them. The second car through XXXX XXXX XXXX.
Consumer complaint received 2016-06-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

" I esculated the call to the executive office to hear from their representative XXXX XXXX that Wells Fargo is in their right to call anytime after the first of the month as I am technically in default ( delinquent ). This is the first time I have ever been harassed with a collection call on a payment due within the grace period. 

XXXX seemed not to care if I contacted the regulators such as the OCC since the OCC would side with Wells Fargo. Nor was any care about reputational risk from bad media event for harassing a good paying mortgage customer. 

I am asking that this practice of calling customers to collect debt during the grace period stop. ''