davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this information with proof and the company refuses to respond on time and consider my proof. I believe the company is in willful non-compliance of XXXX XXXX Trans Union Corp., XXXX. XXXX ( XXXX. XXXX XXXX, 1995 XXXX,
Consumer complaint received 2019-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Direct Recovery Services, LLC (TX)

Received a text message from XXXX stating the following : " Private Notice. XXXX XXXX call XXXX or XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Reply stop to unsubscribe. '' After clicking the link, was redirected to a page requiring me to input social, DOB, and an account number. I looked up the name of the company listed at the bottom of this page as DRS, verified as Direct Recovery Services. Nowhere was I notified that the text, nor the page asking for my personal information was an attempt to collect a debt.
Consumer complaint received 2019-11-21
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: Experian Information Solutions Inc. (GA)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-08-13
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: AMERICAN HONDA FINANCE CORP (CA)

XX/XX/XXXX I sent all requested documents to Honda Financial and XXXX stating that I was a victim of identity theft also I opened a dispute with both Honda Financial and XXXX. This account has been deleted from both XXXX  and XXXX but it's still reporting in XXXX. In addition during the time of identity theft I was hospitalized as well as home bound due to my XXXX  diagnosis.

I've also completed and faxed the ID Theft Affidavit to Honda Financial Services on XX/XX/XXXX. I have not received a response or updates on the status of my case.
Consumer complaint received 2019-08-09
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. (OH)

I'm soon to be in the market to purchase a home. With that being said I started by checking my audit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota financial services received refund from service contract cancellation in the amount of {$1600.00} on XX/XX/2018. The monthly payment for the car was {$330.00}. TFS applied {$1600.00} towards principal and reported 30d late on XX/XX/2018.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

A previous complaint has already been submitted : unfortunately, we did not notate additional information in previous complaint the modification of payments. We requested a modification to have our payments reduced due to financial hardship several times XX/XX/XXXX and XX/XX/XXXX, and SPS modified our loan payment by {$57.00} from {$1300.00} to {$1300.00} starting XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX.  The modification provided no assistance to our financial hardship, we continued to struggle. On XX/XX/XXXX, we received a letter stating a modification had been done which we were clueless about since we had not submitted a request due to last denial in XX/XX/XXXX. This particular modification payments were reduced from {$1300.00} to {$1200.00} roughly a {$100.00} and some changed ; however, the first payment was due XX/XX/XXXX, which was less than 30 days. We desperately want to keep our home. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Machol & Johannes, LLC (CO)

On XXXX and again XXXX I discovered my wages had been garnished for a credit card ( {$310.00} and {$350.00} ) This garnishment is how I became aware of the debt. I have contacted both the collection company and card company regarding this matter. I have expressed my concern regarding the legitimacy of this debt. I resided at XXXX XXXX XXXX.XXXX XXXX  XXXX, XXXX, CO. XXXX from XXXX to XXXX and relocated to XXXX XXXX  XXXX, XXXX, CO. XXXX XXXX ( this is my current address ). I recall no mail received from the collector or XXXX XXXX during the 9 years that have past. All the paper work I have is attached. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CO. XXXX. # XXXX. Thank You
Consumer complaint received 2019-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2019 I submitted a complaint to Equifax and disputed several items. In that dispute I requested to get the information they had to prove the accounts were valid as several of the accounts were not in fact valid. The dispute came back with only wording stating we verified that this account is in fact yours and no information to back up if it truly is mine or not. No way for me to verify or validate that it is mine as several of the items are still questionable. Several inquiries on my report were not done by me or given permission to obtain my report. Equifax has refused to remove them. They are as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and Equifax mortgage services. I did not give these companies permission to run my credit. 

There are a few accounts as well showing on my reports to which I have not received any validation from them or Equifax showing they are true and valid. They are as follows : XXXX XXXX they just tell me that this item belongs to me without any validation to the actual item. 

XXXX XXXX  they just tell me that this item belongs to me without any validation to the actual item as this account was input with my bankruptcy which was XXXX and has since been removed from my report. 

The XXXX XXXX XXXXi they just tell me they have verified that it belongs to me when theres nothing that says otherwise and no proof. 

XXXX XXXX XXXX also tells me that they have verified that the account belongs to me and nothing shows further from the truth except taking the companies word for it.
Consumer complaint received 2019-08-10
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: Home Loan Center, Inc. (FL)

I received a notice called " credit alert, '' that Lending Tree put in for a credit statement which lowers my credit score already damaged by my medical bills I have now. 
I had an accident and waiting for payments from the insurance company but now deluged with ads for credit. XXXX XXXX asked me to apply for a credit card and then deluging me with credit information on my scores. 
I never put in for a credit application with Lending Tree and should not be punished lowering my score. 
Why is Lending Tree checking my credit score when I never asked for them? 

XXXX XXXX
Consumer complaint received 2023-09-30
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. (AL)

XX/XX/XXXX  I was misinformed and misrepresented with the intention that i was purchasing a 2 bedroom 2 bathroom condo in reality i would never own this property it was a scam to trick me into buying with a ten day cancelation period so u wouldnt be able to cancel i didnt do a credit check for this but its reporting on my credit report and i was told it wouldnt go on my report. I was told i could make up the monthly cost by sharing their company on social media platforms and they would pay me XXXX per share and commission if a buyer buy their vacation trip that was all a lie to get you to purchase i dont want this listed on my credit report because i didnt agree to this false, misleading timeshare. I want this deleted.
Consumer complaint received 2019-08-10
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: American Credit Acceptance, LLC (NC)

I bought a car in XX/XX/XXXX and was financed by XXXX XXXX. XXXX XXXX   sold the loan to American Credit Acceptance in XX/XX/XXXX. They deferred my payments for 2 months and stopped reporting to the credit bureau. XXXX XXXX never reported selling the loan to American Credit Acceptance to the 3 reporting agencies. My car loan just disappeared from all 3 reporting agencies. I found out in XXXX of XXXX when I purchased a vehicle for my daughter and got hit with a high interest rate because my vehicle was not showing on my report. So the company says that the are manually putting in not only my payments bother other customer accounts that they purchased and will be doing bulk reporting. So they have not been reporting for over a year and since I brought it to their attention in XX/XX/XXXX they still have not fixed the problem. They said they do not know when it will be finished and as soon as it's done they will report all payments. In the meantime they sent me a transaction sheet in XX/XX/XXXX. I requested another on in XX/XX/XXXX and never got it.
Consumer complaint received 2019-08-09
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One repeatedly calls daily. Contacted family member twice regarding personal business and was not authorized. I did notify them to never contact my family member again but they continued against my instructions. They told my family they were a collection agency and wanted to speak with me regarding my debt.
Consumer complaint received 2017-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC (GA)

I received notice of a $ XXXXmonth wage garnishment from my employer today. The plaintiff is both XXXX XXXX XXXX XXXX and a law office by the name of Cooling and Winter, LLC. 

I called Cooling and Winter to try to find out what this debt was but he, XXXX XXXX, stated he did n't know. I asked if there was contact info for XXXX XXXX and he gave me 3 different phone numbers. One phone number was for XXXX XXXX, XXXX XXXX XXXX, but the voice mail was garbled. There was no business name mentioned or that I could understand. They are saying I owe {$6400.00}, but ca n't tell me why. They are saying that this debt was originally through XXXX XXXX ( XXXX ) XXXX from back inXX/XX/XXXX. 

I was told by XXXX State court that I had received a summons by a sheriff on XX/XX/XXXX, but that is not true. I asked for the sheriff 's name, but she said that it, along with his badge number was not readable and that she would mail me a copy of it. I did not sign nor did I see a summons in XXXX or any other time. If I had gotten this notice back then, I would have been able to deal with it then. As of now I do n't know what this debt is and I ca n't reach anyone who can tell me. 

XXXX XXXX and XXXX XXXX have both been sued by CFPB and the Federal Trade Commission and I 'm sure Cooling and Winter knows this. Especially WHY they were sued. 

I do not understand how my wages can be garnished this fast - the document was signed on XX/XX/XXXX. I do not understand why I was not contacted about this so-called debt that is 16 years old and not even on my credit report. XXXX XXXX nor XXXX XXXX is on my credit report. Cooling and Winter is on my credit report with no phone number listed, but the listing does not show why they are showing on my credit report. There is no debt amount. 

I have spoken with the GA State Attorney 's General 's office and I will be taking the necessary steps to get this fixed. 

I want to know what this debt is about. If I do owe, I need to make better payment arrangements because I can not afford to pay $ XXXX/month for 2 years. I do not make that kind of money. This will cause a hardship for me. 

I do not know what this debt is about and Cooling and Winter will not give me much info and I ca n't reach XXXX XXXX. 

If you call this number : XXXX, you will see what I mean about a voicemail that makes no sense at all. 

I would like to know why Cooling and Winter can only communicate with XXXX XXXX through email and why XXXX could not give me their email address. Why is WHY I owe this money such a secret? How did my wages get garnished so fast? Why was there no attempt to garnish wages after the sheriff supposedly filed the summons back with the court on XX/XX/XXXX? 

Debt was started, according to XXXX XXXX XXXX : XXXX XXXX. Sheriff says he summoned me in XX/XX/XXXX. Got my check garnished for $ XXXXmonth XX/XX/XXXX. All this without any notice from anyone. 

How do I stop this garnishment?
Consumer complaint received 2019-08-12
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: AMERICAN EXPRESS COMPANY (VA)

On or around XX/XX/XXXX I applied and was approved for the American Express Platinum Card. The card normally carries a {$550.00} annual fee, for which I had it waived as I'm an XXXX XXXX XXXX XXXX XXXX. XXXX of the major benefits of the AMEX Platinum Card that was advertised was its monthly XXXX credit, for which it stated it would provide a {$15.00} credit each month and {$20.00} in XXXX. I was excited to begin utilizing the benefit as part of the AMEX Platinum Card 's various offerings.

Most credit card rewards and credits work by using the card to pay and then afterwards it being  reimbursed as a credit on the card statement - in fact every card I've ever had has worked in that way. However it wasn't until approximately XX/XX/XXXX that I noticed that I had been charged, without a statement credit or reimbursement, on my AMEX XXXX XXXX each month for the XXXX rides I had since taken with it. 

Upon research, I found that the AMEX Platinum Card 's terms were - in extraordinarily unclear and deceptive fashion - stating that the complex procedure for using the {$15.00} XXXX credit was to choose the XXXX cash as the option when booking a ride, rather than standard credit card practice of reimbursing for payment at the end of a statement cycle like how the American Express Blue Card even did.

In total I had been essentially tricked for months into thinking that I had been utilizing the AMEX  Platinum 's monthly XXXX " credit '' when in fact I hadn't been. It encouraged me to use the card even though it wasn't giving me the reimbursement it had represented it would be giving to me for those XXXX rides - meaning over the course of those 7 months or so I lost approximately {$100.00} in XXXX credit reimbursement that I otherwise should have received. 

As a card that normally charges an extraordinarily {$550.00} annual fee, this is a deceptive and abusive marketing tactic/ploy that equals the egregiousness of said fee. In trying to resolve this with American Express there was no easy option to contact the company, implying that the company makes it difficult for customers to try to resolve abusive practices that the company has inflicted upon their own customers.
Consumer complaint received 2017-12-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (VA)

I have previously stated that I have no debt with XXXX XXXX and CAINE & WEINER COMPANY, INCXXXX has not sent me anything by mail notifying me of a debt or my right to dispute it, violating the law. If they sent the verification certified then they need to send the confirmation that the letter was delivered and to what address. I have received many things from XXXX XXXX through e-mail and regular mail and not 1 thing was a bill. Also, the collection agency has had more than enough time to provide verification of debt.
Consumer complaint received 2019-08-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

Date : XXXX A spreadsheet is attached to illustration the complaint below. 

I have three loan accounts with Navient. One of which was paid off online on XX/XX/2019 and the balance has been negative ( overpayment ). But today, Navient website said I still owe them {$81.00} in principal and {$0.00} in interest. This is totally unreasonable and I think even a fraud for CFPB to look into. The balance was negative, meaning I didn't owe them for that loan anymore, but they just came back and say I do. I believe they are not doing their business ethically, and it's very deceptive, taking advantage of the customers. And I was on the phone with multiple people for over an hour. No one could help me close the account that was paid off. And I have to see balance building up for the debt I already paid off. 

In addition to the above loan, I have another issue with another loan, of which the agreed-upon interest rate is XXXX %. But today I see the principal increased {$15.00} by way of capitalization of interest. This is unreasonable because I do not have balance due, payments were made on time. Why this " punishment '' of capitalization of interest? What's more is that the interest portion increased by {$30.00}. This is also upsetting because the XXXX % daily interest should have been {$5.00}, let alone that they capitalized {$15.00} to principal, and there was no corresponding adjustment made in the interest portion. 


I'm very disappointed at and frustrated with Navient, I don't know if it's an honest mistake of their system or they are defrauding their customers. I hope CFPB can help me resolve the issues with Navient. If they are defrauding their customers, please help protect the public with the power you have.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc. (NJ)

I reached out to SoFi Lending on XX/XX/19 for a mortgage loan on a foreclosure property I am buying in XXXX NJ. The pre-approved me, they requested all my personal and financial documents. I uploaded every document they asked for on their wed side including the executed contract for the property. I asked me to pay for an appraisal {$490.00}, but my checking account was charged {$520.00}. A few weeks ago I was issued a commitment letter for this property. I did a home inspection for {$450.00} and also obtained a XXXX for {$650.00}. My attorney fees are {$1400.00} and sellers attorney have a certified check from me for {$1000.00}. My closing date was for XX/XX/19 at XXXX XXXX. On XX/XX/19 one of SoFi manager called and told me they wouldn't be able to funded my loan because they just found out the property taxes are to high for income ratio.
Consumer complaint received 2019-08-10
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. (IL)

Regard : Account Number XXXX Consolidated with Account Number XXXX. 
Hi, Dear Sir/Madam 1. On XX/XX/2018, my son Mr. XXXX, and I signed a lease agreement with XXXX XXXX XXXX for XXXX, XXXX XXXX, Account Number XXXX. 
2. Since XX/XX/2018, and then after the signing the lease agreement, XXXX knowingly, willingly, and intentionally failed to report my Account Number XXXX because I was disputing my other Account with XXXX, Account NumberbXXXX. 
3. XXXX 's intention was to damage my credit score by its fraudulent reporting account number XXXX, while XXXX was not reporting my current account Number XXXX. 
4. I have contacted TransUnion, which informed me that XXXX is reporting only your account number XXXX, which was negative reporting. 
5. I contacted XXXX and told them to report my account number XXXX but to no avail. 
6. Later on, I consolidated my two accounts as in my complaint with CFPB ID # XXXX.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

BANKRUPTCY IS SHOWING ON MY CREDIT REPORT UNDER XXXX XXXX MY LEGAL NAME IS XXXX XXXX, I HAVE BEEN A VICTIM OF IDENTITY THEFT, THIS INFORMATION IS NOT ACCURATE AND IT VIOLATES MY RIGHTS.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

The following companies ran unauthorized credit report on me..At no time did I give them permission to inquiry about my credit status, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights.. please delete this misleading information XXXX XXXX XXXX, XXXX XXXX XXXX