davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2016-01-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I am writing in regards to my Regions bank account. When you call the automated system to verify that checks have cleared my account, the system says that the check has cleared and then the funds are taking out the account. Several days later the money goes back into the account and the check is returned. But the automated system says it 's paid. I also filed for a loan on XXXX different occasions and the never received a denial letter from the bank. The first time I went in I applied for a loan, no letter. Go back a second time and apply with a co signor with a XXXX credit score. I then received a letter of denial but the co signor did n't receive a denial letter. Go back and speak with the branch manager and he stated I could receive the loan with co signor. He stated he did the loan but was denied. Still no denial letter. This is blatant discrimination.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

according to the FEDAL FAIR CERDIT REPORTING ACT consumer reporting agency may not report negative information that is more than seven years old from the first date of that account being late.According to CREDIT REPORT file from XX/XX/XXXX and credit report fromXX/XX/XXXX will show that the item I disputed is due for deletion
Consumer complaint received 2016-04-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF THE WEST (CO)

XXXX XXXX XXXX/XXXX/XXXX Senior Vice President XXXX Bank of the West Hello XXXX XXXX, On XXXX/XXXX/XXXX I made a early extra {$300.00} payment using funds in account from Income Tax return deposited into account on XXXX/XXXX/XXXX. Enclosure ( Auto Pay debit 0f $ XXXX XXXX ) As we know The Section titled " Prepayment '' in the Promissory Note states " Early payments will not relieve me of my obligation to continue to make payments under the payment schedule. '' It was explained to me this is why AutoPay debited {$570.00} on XXXX/XXXX/XXXX to Satisfy the Regular scheduled payment due under the payment schedule. 
On XXXX/XXXX/XXXX I made a early extra {$450.00} payment using Income Tax return funds that deposited into account on that day. 
As we know by " Promissory Note rule '' the regular scheduled payment of {$570.00} is still due on XXXX/XXXX/XXXX. 
That would make regular payment of {$570.00} due on regular payment date according to you " XXXX/XXXX/XXXX ''. As we know AutoPay should debit {$570.00} on regular payment date " XXXX/XXXX/XXXX ''. We know by the Note Rule an early payment can satisfy a late payment fee of a future payment date but does not ever satisfy a Regular payment due under the payment schedule. 
Account balance on XXXX/XXXX/XXXX was {$2500.00}. Plenty of funds to satisfy Regular scheduled payment of of {$570.00} on XXXX/XXXX/XXXX. Enclosure ( XXXX XXXX Checking AccountStatement ) One thing we do know is the Regular scheduled payment can not be satisfied because of an earlier payment. 
Why did AutoPay fail to debit regular scheduled payment of {$570.00} on the Regular scheduled payment date of XXXX/XXXX/XXXX? Enclosure ( Mortgage Transaction History ) Thank you in advance for acknowledging and answering this request. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-04-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (LA)

I have a car loan with consumer portfolio. After falling on hard times due to the loss of my job and my income going down i fell behind on payments. I took my loan out in 2012 i think. They constantly called and harrassed my personal referances giving them info about my loan without my permission and constanly called me at work after being told not to do so. They recently repoed my car for being in default they didnt even try to work with me and refused to lower my monthly payments
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2015-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MN)

I signed up for XXXX XXXX services XX/XX/XXXX through a bundle service offering through XXXX. I move during the month of XXXX and had the XXXX services transferred to my new place of residence. When I received my XX/XX/XXXX bill from XXXX I had been overcharged by XXXX {$200.00} transfer fee for services. This error in billing, which XXXX XXXX admitted to, cause an undue burden on my finances which in turn made me unable to pay my XXXX bill which collected payment on behalf of XXXX and themselves. The billing became so skewed from being over charger and XXXX putting the XXXX charges on hold to get the corrected information from XXXX, that throughout this process I got further behind because at XXXX point I was presented with a monthly bill for approximately {$400.00} when I typically paid {$120.00} for XXXX services. From XX/XX/XXXX through XX/XX/XXXX I attempted to get my billing corrected. Meanwhile I was paying late because there where wrong charges on mybil and I was unable to pay them. Finally, XX/XX/XXXX I asked XXXX to unbundle my services as I had never been more than a week late paying my paying my XX/XX/XXXX bill prior to them bundling the services with XX/XX/XXXX. Once XX/XX/XXXX unbundled my services I asked XX/XX/XXXX to cancel my services and XXXX swayed me to keep the services which I thought would be at the same rate I was paying through XX/XX/XXXX. However, they neglected to explain that I would actually being signing up for a new service contract and the rate would be nearly $ XXXX versus $ XXXX I had paid with XXXX. I found this out in XX/XX/XXXX When I objected, I was told that my service contract with XXXX had been discontinued due to excessively late payments. I explained it was their billing error that made me late and put me behind. The agent check and came back and said, " Yes, I do see where we overcharged you and then the payments started being late. However, I can not do anything about that and the billing will continue to be at the new rate plan '' XXXX said this is fraud your company 's accounting error cause me to get behind in the XXXX place and then you cancel my the rate plan I got with XXXX and say the only way for me to continue is on an increase rate plan or pay a cancellation fee of {$300.00}. The rep said, " Sorry Ma'am, there is nothing I can do ''. This past week ( started XX/XX/XXXX ) I started receiving call from a debt collector saying I now owe {$340.00}.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

EXPERIAN CONTINUE TO VIOLATE FCRA WITH REPORTING SAME ACCOUNT ON FILE 3 TIMES " XXXX '' PUBLIC RECORDS CASE # XXXX AND XXXX # XXXX, FORMAL FRAUD AFFIDAVIT WAS FILED WITH COMPANY AND FTC ON ABOUT XXXX/XXXX/2012 ; CASE # XXXX ...
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AFNI INC. (OH)

I was away for some medical treatment on Wednesday XXXX XXXX. I always leave my cell phone with a friend to answer while I 'm at the doctor. The call came in at XXXX XXXX. The phone rand and the caller ID registered as XXXX XXXX XXXX and the person at the other end of the line asked my friend XXXX XXXX if he was speaking with me. He replied no, said that I was ill and out getting treatment. My friend XXXX asked what the call was concerning, and the caller again asked if this was me and XXXX said no. XXXX asked again what this was in reference to and the caller finally told him that he was a debt collector calling to collect a debt for XXXX from a bill from several years ago. XXXX said he would not take a message and gave the caller my XXXX XXXX XXXX to submit the purpose of the call in writing to me directly. I contacted my lawyer once I heard this, and he said it 's illegal under the fair credit reporting act for a collector to disclose any information to a third party and he suggested i file a complaint here first. When I googled the phone number, it showed AFNI, who is a debt collector.
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Experian is reporting a negative account that does not belong to me. This account was previously deleted from my file by the creditor as it did not belong to me. I am attaching the response from the creditor deleting this information. The original creditor is not listed but it is for the same amount as the previous account. Experian is not allowing to make any online disputes and I am not able to speak to a representative as you need a report number to do so. They continue to report erroneous information and refuse to do anything about it.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Company failed to remove collection after they were updated from the creditor. All of credit bureaus have deleted this invalid information and transunion is ignoring all request and causing credit issues for consumer but reporting 4 collection accounts when there are none
Consumer complaint received 2015-09-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION (MI)

Applied for a student loan through Salle Mae in XXXX of this year. Website needed a copy of the borrower 's social security card which was lost. Called Salle Mae to discuss & was told to apply for a new social security card & that the loan only took a day to process so everything should be okay. Social Security send the card to the wrong address ( which is not Salle Mae 's fault ). The loan was delayed due to this issue. But when the card was uploaded they took longer than the 3-5 days the site said it would take to approve. On the 6th day I called them again. I was told they needed a clear copy. I was looking at the copy of the card & told them they had it. The person did find it then transfered me. I was transferred XXXX times and was told everytime they needed a copy. Told all of them they had it and then eventually was told that the loan was approved. The disbursement did not happen when they said it would. I am now getting nasty calls from the school. When I try to look up the loan with XXXX XXXX on-line there is no record of it. I call again and the employee had difficulty in finding the loan. She eventually did and told me it was disbursed today, XX/XX/2015, but did n't tell me how. I had another message from the school, so I called again and was told it was sent by check. They failed to tell me that after the loan is processed it takes 10 days to disburse. They are passed the 10 days. I now have an additional {$130.00} fee due to the lateness. The school is XXXX University in XXXX, MI. I am the co-signer for my daughter and work at a financial institution. I am beyond fustrated with the whole thing. My credit union would never stay in business if we conducted ourselves like that. All of this before the loan is even disbursed.
Consumer complaint received 2017-01-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (KS)

I have no choice but to report this company that is reporting on my credit bureau. I have never had any business in " XXXX '' - i have submitted several disputes through experian and this has yet to be deleted off my credit report.
Consumer complaint received 2016-01-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Consumer Financial Services (IL)

I first took out a loan with Consumer Financial Services. I unfortunately was going through financial difficulties and was unable to make payments. Consumer Financial Services then sued me, which I understood. Once the garnishments went through, I realized I was unable to afford any day to day expenses and my other bills, so I had went to Consumer Financial Services to work out an arrangement. The owner, XXXX, agreed to refinance my loan including my collection costs and put my payment at XXXX. He advised my employer that we had worked out an agreement and to stop the wage garnishment. My employer was unable to comply, so he then took advantage of the situation. XXXX first told me that he would apply the payment that was due towards my new refinanced loan from the garnishment checks and he would reimburse me of the remainder if I was current on my loan. When it came time to reimburse me, he decided that he still did n't trust me and kept the garnishment and told me he was going to keep me two payments ahead even though the agreement in writing did n't state that. I went into Consumer Financial Services to speak with XXXX directly and advised him that I was unable to afford making twice the payment on a monthly basis and that 's the whole reason I made arrangements with him. XXXX then told me that he did n't care, he does n't trust me, and I do n't deserve the funds back to me. I have a written contract with him refinancing my loan and that did n't matter. He then used foul language and was extremely unprofessional. I then started crying, being so disrespected and frustrated and he told me to stop XXXX crying and I 'm annoying him and if I say another word he would n't give me any of my money back and just put it towards the loan. I have never been so disrespected in my entire life.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OH)

I have been attempting to get my loan modified since XX/XX/XXXX without prevail. I had a prior modification which I defaulted on due to a job change. I informed Nationstar that I would make the back payments to catch up and requested the amount due. Within 3 days I called back to make the payment and they informed me at that point that I owed an additional {$2000.00} because they added attorney fees. I asked how they added attorney fees within 2 days of my request for the payment amount. They then refused to take my payment. I requested proof that the attorney had been paid {$2000.00} in that time frame mailed to me. I have not received any paper work in regard to that request. I applied for a modification shortly after that to try to catch the payments up. I have been declined for numerous reasons yet I have not received any sort of denial paperwork in the mail. I made a complaint with Nationstar and a rep contacted me. I informed him of some of the issues and basically informed me that I have no option beside foreclosure. I asked why and he stated my modification failed for numerour reasons. I requested all prior modification denials and copies of the prior modifications mailed or emailed to me. To date I still have not received copies of everything I have requested. I received documentation that the house will be in foreclosure so I started looking into deed in lieu of foreclosure and also had put my home up for sale for about 8 moths and the home was only viewed twice. The mortgage on the property is higher than when I bought it in XX/XX/XXXX and the property value is about $ XXXX making it impossible to sell the home. I would like copies of all the paper work including the first modification, second modification ( did n't know I even had a first XXXX ) and copies of every denial. I also want proof of the inspections that they have charges fees for monthly on the home and the attorney 's paid receipt showing the {$2000.00} that they demanded from me to be able to take my payment. I am suppose to have one contact and have several as well. One of they payments that were late was due to the XXXX not being able to make the payment when Nationstar acquired the loan as well. This has been an on going battle since they have acquired my mortgage, but further review of the paperwork from the courts show that XXXX XXXX is the person who holds the mortgage.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

disputed several accounts in XXXX with Experian and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX- Account # XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.
Consumer complaint received 2015-09-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP (WI)

We got a voicemail from " Capital Management Services '' phone number XXXX at XXXX this morning XXXX/XXXX/15 asking us to call XXXX. The woman leaving the message said " this is a debt collector. '' Which, I understand, is a violation of FTC debt collection laws. In addition, we have no outstanding debt that would have gone to a debt collector! I would like this scammer stopped.
Consumer complaint received 2016-08-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

I called on XXXX/XXXX/2016 and spoke with a gentleman from XXXX, which services my private loan with Citizens Bank. I asked the gentleman what my loan payoff amount would be to pay the loan in full and he stated it would be {$69000.00}. I gave him my bank routing and bank account number and he processed the payment and I received a confirmation email indicating a payment of {$69000.00} with an effective date of XXXX/XXXX/2016. I then received a phone call on XXXX/XXXX/2016 indicating that they had made a mistake and applied the incorrect amount of {$1000.00} and to call them to resolve the situation. I called them on XXXX/XXXX/2016 and spoke with a supervisor who informed me that although it was their error and we received a confirmation email indicating the full loan payment of {$69000.00}, we were still going to be charged one day of interest of approximately {$22.00}. I as the consumer did everything on my end to payoff the loan as of XXXX/XXXX/2016 and had no control over how they applied the funds.
Consumer complaint received 2024-08-28
Product: Credit reporting 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. (GA)

I have contacted Equifax, XXXX and XXXX about unauthorized credit inquiries on my credit file. I have not benefited from any of these unrecognized credit inquiries. I have filed a complaint with the FTC and received a report number.
Consumer complaint received 2016-06-08
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

Back in XXXX my now ex husband and I had a 2nd mortgage through Beneficial HSBC. In XXXX my ex and I divorced and I was forced to file bankruptcy. During the bankruptcy proceedings beneficial wrote the debt owed to the loan off and closed the loan, note I did not request this they did this. I have not had communication with Beneficial in over 6 years until now. I 'm selling my home and Beneficial came up as a lien during this process. Beneficial never released the lien with the county. I have been in contact with Beneficial several times since XXXX XXXX, also my escrow officer has been in communication with Beneficial. We are getting the run around that this is being taken care of and expedited this was back on XXXX XXXX. We have requested to talk with managers and have been told we would receive a call back but this never happens. Today they told us they have submitted just today a lien release request to management this would take 7 business days and 3 weeks to send to our county to be recorded. We dont have another 3 weeks for an expedited service ...!!! The buyer signed papers XXXX XXXX but we can not close without the release. We are now facing that my buyer may not be able to go through with the purchase because of the time it has taken to close, we have had to do a lot with the buyers bank they are not patient anymore. This is causing great deals of frustration and stress. Very disappointed that we seem to not be getting anywhere with Beneficial, after all they never did what they where supposed to do 6 years ago and release the lien. They have been dishonest in communication to both myself and escrow officer and have XXXX integrity. I need help to get them to do as they said they would and be able to trust this will be done since this will be the 6th time I have been told its in review. I need resolutions this by this week, or it will cause economic damages to the buyer and to myself.