davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

Enclosed are copies of XXXX ( XXXX ) separate reports from you showing that the information you are reporting is incorrect. Your report numbers are XXXX and XXXX. In these reports you are reporting a payment history from XXXX XXXX to XXXX XXXX and a close date of XXXX XXXX. This is totally incorrect! 

Also included in this communication is a copy of a letter from the creditor, ( XXXX ), dated XXXX XXXX, XXXX attesting to the fact that the information you are reporting is incorrect. 

Their document goes on to further state, " the account was closed on XXXX XXXX, XXXX ''. Not XXXX XXXX, as you are reporting. 

As the document from XXXX, Office of the President states, " The XXXX XXXX billing statement is also the last billing statement generated for the account since no additional transactions occurred after that timeframe ''. Also, " XXXX has requested date of last activity to be reflected as XX/XX/XXXX ''. 

You have and are reporting a payment history, where there has been none. You are also reporting this account closed XXXX XXXX, which is incorrect. XXXX has given proof with their document that you are reporting incorrectly. 

Therefore, you must make corrective measures, and so this account shows a removal date in XX/XX/XXXX, not, XX/XX/XXXX.
Consumer complaint received 2018-12-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

I have had trouble with XXXX since the beginning of this loan. First, there were blank portions on my lease copy. My car was totaled at the airport. I had to have a car. I was in shock but not stupid. I did not sign a lease with a blank space, but that is the copy they gave me. I have paid {$320.00} on a {$310.00} loan for years. I knew it would cut off a large amount but I have two payments left ( one on XX/XX/XXXX ) and another I am not sure when ( XX/XX/XXXX or XX/XX/2019 ). I requested a copy of the payments. The copy is wrong. I have had multiple problems with this 6 year overpriced loan on a base XXXX XXXX -- I think it may have been wrecked and fixed and sold as new. The bluetooth didn't work for 8 months until it was replaced. I complained each time I had my oil changed. I couldn't get a title when I moved back to Texas   from XXXX XXXX XXXX. The service departments in two states at various places in both states have treated me badly, even at the place I bought it near my hometown where I was visiting my mother when my car was totaled. Two dealerships in Texas didn't change the oil when I paid them after it turned 100,000 ; the first per a XXXX mechanic. At 120,000 it is burning oil even though it has been changed before time, and often at 3-4000 miles. It has been well taken care of, or at least I have paid to have it well-taken care of at the dealership. How do I get an audit of my account at XXXX? It is wrong. The sheets I have from them prove that.
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc. (MI)

ARS National Services sent me a response to a validation request I sent to them on XX/XX/2018. I am not under contract with ARS National Services not was a contract sent to me to validate this debt request. I do not owe this debt and al requests to collect should cease and be removed from all credit bureaus. 

Due to my rights as a consumer being violated this debt needs to cease reporting to the Credit Repair Bureaus all three.All incorrect unvalidated information needs to be deleted immediately.
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

1 ) The Account Opening Date is referenced, but not specified, in the account documents for all my HSBC USA bank accounts. I need to know the opening dates of my accounts in order to correctly interpret my rights and obligations under the account documents, yet the bank refuses to tell me the opening dates. They claim it would be a security risk to disclose the opening dates over the phone, even after I have correctly identified myself through my voice print and personal data. They refer me to the account statements and other communications, yet these documents do not specify the opening dates. They refer me to my nearest HSBC branch, which is 25 miles from my home.

2 ) I still have not been given a specific reason why my access to my accounts was blocked, without notice or explanation, from XX/XX/2018, through XX/XX/2018.
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I started a new job on XX/XX/XXXX. I received my 1st paycheck from them on XX/XX/XXXX. Since CitiBank wouldn't verify my acct belonged to me. XXXX had to cut me a live check ( paper check ). I received the check via snail mail on XX/XX/XXXX, in which I deposited in the ATM. The net pay was {$1600.00}. After depositing the check I saw that none of the funds weren't available so I tried to cancel the ATM deposit. The check was cut from XXXX XXXX I was just going to cash it at a Branch on Sunday XX/XX/XXXX. The ATM wouldn't return the check. Which what brings me to CFPB. 

I called CitiBank at around XXXX XXXX CST and spoke with a XXXX ( Supervisor ) Employee ID XXXX contact number XXXX. I explained that I've been a customer of CitiBank since XXXX and that I never had this issue and I needed the funds to be available within the next day. Being as XXXX in 1 week away. She was very nasty, unemphatic, and sarcastic. Basically, she stated that she will not release the funds no sooner than 3 days. I asked her on what basis do they base it on. She stated a multiple of things. I said like what she stated NSFs and negative balances. I stated sweetie I haven't had an NSF or negative balance. I explained that this acct ending in # XXXX was open in XXXX due to Citibank 's error. I told her that the NSFs on that acct is because of them. She disregarded that. I asked her to speak to her supervisor. At 1st she refused then stated that he's on another call. When I threaten to file a complaint on her she basically was very nonchalant. I asked her to verify the funds with XXXX and she stated she couldn't but the branch I deposited to could. I have a banking background the only department that can verify the funds us back office. 

Please review the screenshots that are attached. Clearly, it's a payroll check. Offer letter attached along with the actual check stub and it says my bank acct is still pending. Had CitiBank verification department verified within 2 weeks I wouldn't even be going through this, because I would've had a direct deposit. 

This bank is full of it I believe they notated something on my acct because I reported them to you guys before.
Consumer complaint received 2018-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I contacted Equifax on Friday XX/XX/18. I explained to a woman there that XXXX Credit Union showed that Equifax has not properly reported payment history on my account since XX/XX/2018. Equifax is to report monthly. Founders show that I have successfully made all my vehicle payments on time. The problem now is that I was applying for credit at XXXX Credit Union during the week of XX/XX/2018. My credit check showed that Equifax has not reported my credit history for XXXX since XX/XX/2018. There is also no updated reporting for XXXX from Equifax. I would like this issue resolved asap. I also called Equifax on Monday XX/XX/18 and was told by worker, XXXX, she did not see a reporting issue. I informed her that there was a problem, if not to please send XXXX a report saying otherwise. I have restored my credit to decent status over the years. I do not want anyone to anything to adversely affect my credit. I need this matter resolved asap. XXXX representative can be contacted at XXXX. He was the one that was checking my credit with my permission. I hope those involved will seriously handle my credit as if it were theirs. Please correct this. Thanks,
Consumer complaint received 2018-10-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (IL)

I received a call at my home for an individual thats unknown to me. I asked the name of the company and I asked specifically was this company a collection agency which from 3 different representatives I was denied a response but was given they cant disclose that and was hung up on. I also called back spoke with a manager XXXX which gave the same response. They refused to disclose the type of company after I asked several times. Also I have told this company which I recognize the phone number and told them not to call anymore because wrong number
Consumer complaint received 2021-02-05
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: EQUIFAX, INC. (NY)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report.
Consumer complaint received 2018-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Over the past few years, XXXX began reporting that my loan was charged off when I actually paid it off. They reported to XXXX. XXXX corrected the issue on 2 or 3 occasions with oversight from Texas XXXX.

I was denied credit today as XXXX is reporting an XXXX foreclosure and negative in city from XXXX. I have never heard of XXXX.

I need this matter corrected immediately.

Kind regards XXXX XXXX
Consumer complaint received 2018-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

After being unemployed for several years, I secured a position at a XXXX XXXX in XX/XX/2018. I was excited to begin reducing my student loans that were on deferment for many months. Once I started working, I later applied for PSLF and submitted all the necessary documents. My first set of paperwork was submitted in XXXX but three months later, XXXX sent me a notice that it was incorrect. I immediately resubmitted the paperwork and continued to XXXX payments of {$400.00}. Later, I was sent a statement for {$200.00}, then another for {$380.00} because XXXX is unable to determine my income based repayment amount and none of my payments were applied to the PSLF program. See attached statement. I have spoken with a representative each month since then and they are still unable to determine an amount. My total amount paid is {$800.00} since XXXX and {$790.00} is applied to interest and {$.00} is applied to principal. It seems that this loan forgiveness program is a scam. A scam because it is taking  XXXX 3 months to determine my payments while I continue to pay and none of them were applied toward PSLF, which means I have to pay beyond the required time frame. The interest rate on the loan is 8.25 % and I am unable to set-up the auto payments for a rate reduction, because once again my final payment is undetermined. As per XXXX, they can not refi even with market rates at approx 4 %. I feel very betrayed by this program, considering my determination and excitement to finally having the ability to pay-down the loan.
Consumer complaint received 2018-12-18
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. (NJ)

I have a personal college loan through XXXX in NJ. I usually make my monthly payments via credit card. On XX/XX/18 I tried connecting my checking account to the portal to pay via my checking account because I was being charged a fee every time I used my credit card. I follow the video they direct me to, I link my checking account, and I submit the payment for that month via my checking account. A few weeks to a month later I get a notice in the mail that my loan payment is late and that I am delinquent. 

I log on to the XXXX  to find that my checking account payment had been bounced back. I immediately file a claim with XXXX and petition to have the delinquency removed since I was unaware my payment bounced back. This was also my first late payment so they removed the delinquency and made my account current. 

But my credit score has not improved since they made my account current. It was above 700 before all this, but now it is around 650. How can I inform the credit agency to have my score go back to what it was prior to this incident?
Consumer complaint received 2018-12-17
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)

According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Type Collection Agency/Attorney XXXX XXXX   Account # XXXX Account Type Collection Agency/Attorney
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NOVA Financial & Investment Corporation (CO)

Denied credit for exercising my rights under the Consumer Credit Protection Act ( Submitting ECOA complaint previously with CFPB ). Statement of specific reasons does not contain a specific reason as requiredSee ECOA 202.9 ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient.
Consumer complaint received 2018-06-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (OR)

The interest rate is 769.31 % so pennies are going to my loan of {$750.00} whereas they are charging over {$220.00} every two weeks in finance charges. I'm drowning. The total amount to be repaid on a {$750.00} loan will be over {$5000.00} please help. Their website says they allow credit card payments but when you call they say they can not accept them. I'm not even sure if they can legally charge such a high interest rate to a resident of the state of Oregon. Are you able to check if they are a valid tribal company or if the interest amount is legal?
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (MA)

I was contacted by this company, XXXX XXXX XXXX XXXX, without ever having received any documentation from them. Also, the debt they are proposing to collect on belonged to another agency and I have received no documentation of assignment of debt, validation of debt, or any contact information. They have contacted me several times and I have now, thanks to the records of the Massachusetts Division of Banks, found that this agency is in fact NOT licensed in Massachusetts for Debt Collection.
Consumer complaint received 2021-01-15
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. (IL)

Ive contacted XXXX  on numerous occasions about fraudulent activity reported on my account they keep telling me its verified and its not my accounts these have been fixed on every other credit bureau except this one I have sent in police reports and every document requested. These fraudulent accounts still appear after many years
Consumer complaint received 2018-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (SC)

On XX/XX/18 i received a letter in the mail from CFSI of an attempt to collect a debt. I did not recognize this alleged debt and sent a request in writing for Validation via Certified mail on XX/XX/18. It was received by CFSI on XX/XX/18. CFSI has failed to respond to my correspondence in writing as requested. According to the Fair Credit Reporting Act, CFSI has 30 days to respond to my request for validation or they must cease reporting and has failed to do so.
Consumer complaint received 2018-12-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX  who is owned by XXXX XXXX XXXX XXXX, XXXX contacted me by text message on my cell phone after I asked them not to communicate that way. This is a violation of TCPA and FDCPA. I have asked XXXX XXXX XXXX to communicate with my authorized Representative, but have not gotten a response, which is why XXXX XXXX XXXX XXXX needs to now handle this. Please contact XXXX XXXX regarding this matter XXXX ASAP.
Consumer complaint received 2018-08-08
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: SYNCHRONY FINANCIAL (PA)

There is a hard inquire that I do not recognize and never attempt to obtain. It refers to XXXX/XXXX ( Nation Credit Cards/Airlines. The company did not get permission to do or see if a wanted. I have never ask for this transaction. Nevertheless I did not give PayPal the okay to look into. I call without anyone help me and just kept transferring to someone else or giving me the same number on credit report that could help. 
XXXX XXXX ( XXXX XXXX, XXXX XXXX, and XXXX ) credit cards I have paid off and decided to close myself to keep from having so many credit cards. I do not think these should be seen as hard inquiries. XXXX XXXX card bill were kept up to date and the XXXX XXXX late note was because letter was mail to wrong apartment number on bill. I called the company to see why no bill was sent and the lady said the apt . Number was late.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

My Chapter XXXX bankruptcy was filed on XXXX XXXX and was discharged by Illinois Federal Courts in XXXX XXXX. I am aware per FCRA that federal law does not state that a bankruptcy MUST stay on your credit report for 7-10 years. The law ONLY states that it MUST be removed after the falloff date of XXXX XXXX. I am also aware that EQUIFAX can remove this public record prior to the maximum 10 years, if I 've proven myself a excellent credit risk. I am asking in good faith that this Chapter XXXX Bankruptcy be removed immediately. I have shown that I am creditworthy and a very low risk consumer of credit by paying all my current account on time for more than 5 years. If you examine my entire credit history thoroughly one could determine I was a excellent credit risk prior to my bankruptcy. The reason behind my bankruptcy was fueled by the Housing Market Crash. I was in good standing with all my creditors and had never paid late before. I had several credit cards that was included in my bankruptcy do to the nature of the Chapter # XXXX filing. I humbly request that this detrimental public report be removed, so that I may move continue to forward in purchasing the home of my dreams.
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (NM)

XX/XX/2018 - Received an email from SunTrust stating that " If you had a previous userID and password, it will not work in Online Banking. You must enroll as a new user at suntrust.com to continue to access your mortgage online. To create a new userID and password, locate your mortgage account number on your statement, then click here and follow the on-screen instructions. '' XX/XX/2018 - I called SunTrust to confirm voice-to-voice that this eamail wasn't a phishing scam. Was told it was valid. 

XX/XX/2018 - Called SunTrust customer service again because when I clicked on the XX/XX/2018 email, where it stated to " click here '', the response was " Unsecure site ''. So, I needed confirmation on how to receive a secure site to follow the instructions in the XX/XX/XXXX email. 

XX/XX/2018 - Called SunTrust to get information and help. Customer service person said she'd walk me through it. She walked me through it and was unable to get new ID and password because computer screen said I was already signed up on online banking. Customer service person said she'd have to transfer me to another department. 

From day one, when my mortgage was transferred from XXXX XXXX to SunTrust I've had nothing but horrible service. Last summer I signed up for electronic statements ... nope still getting paper. It takes a complicated and time consuming effort to reach customer service, only to be placed on hold. Why does it take an hour to try to get answers to a customer 's questions? Horrible customer service. 

I want my mortgage loan transferred to any other possible loan servicer. I don't have the time to deal with Suntrust incompetence. I feel it's deliberate to keep customers in the dark on their finances. Every other loan servicer has been able to answer my questions and provide an easy to use online service.