davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Chrysler Capital has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.      XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX  . I   always make my auto loan payment online through www.chryslercapital.com. I would then be transferred to   XXXX   XXXX   to process my online payment, for a fee. At first my payments would post within a day or  two, but  then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in   XXXX   XXXX   XXXX  , that Chrysler Capital correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and Chrysler Capital 's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until   XXXX   XXXX   XXXX  , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporti ng company, that one of my payments had been listed as default of 30 or more days. I find it extremely od d that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that Chrysler Capital is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected
Consumer complaint received 2017-04-25
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. (GA)

I Mailed A Mult iple Inquiry re moval letter to Equifax on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They Received my letter on   XXXX   XXXX   XXXX   and " completed '' my request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  hard inquiries That are NOT factual, Unauthorized and fraudulent ( as I have now placed a fraud alert and security freeze on my report for unauthorized use of my info ) and yet I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access, if you believe this was unauthorized contact the creditor ''. According to the FCRA rule s, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, The credit reporting agency must delete the disputed information from its files. The fact that I received a response 2 days after their receipt of my certified letter, you can assume no that they did not actually investigate the matter as required by LAW from them under the Fair Credit Reporting Act. I plan to purchase a home this year and having this many hard inquiries on my credit report displays as a sign of financial trouble and that is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the hard inquiries that DO NOT belong to me. I did not sign for anything and I do not have accounts with these creditors. This is unfair practice by Equifax with no concern for my credit worthiness as a consumer and a clear violation of my legal rights under the FCRA. The following inquiries are the ones being disputed.        XXXX   XXXX     XXXX     XXXX   XXXX      XXXX      XXXX   XXXX   XXXX     XXXX     XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX     XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX   XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX     XXXX
Consumer complaint received 2017-04-27
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. (GA)

On  XXXX  I had credit report pulled and noticed several inquires that was not made or do I have any knowledge about. Called Experian and advised of matter and fraud alert was place on my report. Have made several attempts with experian to get inquires remove with no success, so I then begin calling creditors to ask if they can remove, but they stated they did n't have record of me applying for credit. Called experian and told them what was told to me but they still want remove saying inquires are factual.
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

I had a mortgage with Shellpoint Mortagage Servicing, XXXX XXXX XXXX, XXXX, TX XXXX refinanced the loan on XXXX XXXX 2015 ( XXXX ). The escrow company wired the payoff to Shellpoint on XXXX XXXX ( XXXX ). Shellpoint claims that they received the payment only on the XXXX of XXXX ( XXXX ). Therefore I land up paying interest on XXXX laons for XXXX XXXX through XXXX XXXX. I think Shellpoint is lying and even though the money was wired to them on XXXX XXXX they are claiming XXXX XXXX.
Consumer complaint received 2017-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a follow up related to CFPB complaint  XXXX . On  XX/XX/XXXX , I filed a dispute with TransUnion to remove an illegal tradeline on my credit report. I provided written evidence from the credit or ( information furnisher )  stating that the account can not be validated. The creditor is unable to verify the information and therefore continued reporting of it is a violation of FCRA statut e 623. Ho wever, they are refusing to remove the information claiming tribal sovereign immunity in an attempt to hold my credit re port hostage and ext ort money from me. I included a copy of this letter from the creditor in my dispute with TransUnion. Less than 48 hours later, TransUnion closed my dispute stating that they verified the account and therefore refused to remove it. This is absolutely not possible as evidenced by the attached letter from the creditor stating they themselves can not verify the account. In response, I opened  XXXX  with the CFPB.     TransUnion responded to the CFPB complaint again stating " We have reviewed your complaint along with the information you previously provided regarding this issue. On  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX , we initiated an investigation into the accuracy of  XXXX   XXXX   XXXX . In response to the investigations, the disputed information was verified or updated accordingly ''. This statement was followed by a parroting of the incorrect and unverifiable information from my TransUnion report. Please review the attached letter from   XXXX   XXXX   XXXX    . It clearly states that they are unable to verify the account in question. How is it possible that TransUnion claims they verified it? Also, by their own admission in this statement, they allege verifying this account on  XXXX  in response to the complaint, however the complaint was n't even opened until nearly a week later. They clearly did not perform any investigation from the CFPB complaint.     TransUnion is in violation of the FCRA in that they are purporting to perform investigations and verifications that they are clearly not doing. Further, they are knowingly and willingly continuing to report negative information that has been proven unverifiable.     According to the Fair Credit Reporting Act, information that can not be verified must be removed from credit reporting. TransUnion is in willful non-compliance with this law. I am again asking for CFPBs help in enforcing the FCRA and having TransUnion remove this illegal and unverifiable tradeline from my credit report.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (SC)

Yesterday I received in the mail a what looked like large loan application packet from a company called  Loan Depot. I have  never applied for a loan with this company and found this concerning. I called the number on the forms and left a message. Today I received an email from  Loan Depot  thanking me for taking the time to talk to them about a loan. I have nor and am not applying for a loan, refinance, etc. with this company and find all of this highly concerning, possibly fraudulent, and I am concerned about identity theft.
Consumer complaint received 2017-04-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX received a personal loan from huntington bank and the loan manager offered me a life protection insurance to protect us if one of us was killed. He asked if I had any diseases and told him had XXXX XXXX and he then gave me the insurance protection for my life for duration of loan as part of the loan. we thought we had life insurance coverage for the loan of XXXX as part of loan. on record date XX/XX/XXXX was sent a notice from huntington with another offer for life insurance/XXXX to cover the loan amount of XXXX we called the loan manager and was told we had the life insurance coverage and no need to complete unless we wanted XXXX insurance as both life insurances would not pay for the loan but each 1/2 if should die. unfortunately end XX/XX/XXXX my husband passed as a result of a XXXX XXXX and an extended delay from XXXX XXXX XXXX. asked for the process of the claim and was told they would not honor the claim as we had misrepresented my husbands health condition 2 years prior to us applying for loan and offered the life coverage. we had not done so. my husband did have XXXX XXXX and we revealed this to loan manager. applied for loan to be covered by the insurance on XX/XX/XXXX case # XXXX now called XXXX XXXX life claim. on XX/XX/XXXX they sent out a denial stating that he was not eligible for the protection when he applied although we had paid almost 3 years in premiums. the denial was because we signed a form saying my husband had none of the following in past 2 years. " during the past 2 years have you been treated for, or been told you have a XXXX XXXX or XXXX XXXX ; XXXX or XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX or XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( XXXX ) or XXXX related XXXX XXXX XXXX XXXX ( XXXX )? '' as his spouse and do believe his physicians would have answered this question as no on XX/XX/XXXX if it had been read to us which it was n't. he had XXXX in XX/XX/XXXX and had a XXXX shut down at time and few follow-up appointments for awhile to make sure no problems and the functions improved and he had no XXXX problems. he had some XXXX problems and they state dr. coded as XXXX but he received no treatment for XXXX before entering XXXX as result of XXXX XXXX and all XXXX XXXX XXXX XXXX for the injury. the plan analyst was contacted to try and resolve this as my husbands death was result of an accident not disease but they stated di n't matter as he was not eligible for the coverage. the plan say that this is not an insurance product as was filing with insurance department and the plan analyst sort of taunted there was no regulation of this product. this appears to me as a way for the bank to make money off customers with no payout. feel this is wrong.
Consumer complaint received 2017-04-26
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. (TN)

Transunion credit Bureau remove inquiry from my credit report and place them back on my credit report with given me  a five d ays nofication that they was gon na place them back on my credit report  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2019-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (PA)

Back in XX/XX/XXXX, I contacted XXXX cellphone insurance plan through XXXX XXXX XXXX for a replacement. I ordered an XXXX XXXX XXXX XXXX for a deductible of {$290.00} on XX/XX/XXXX and that phone never reached my door as the insurance adjuster intercepted that phone and it was sent back to warehouse. I called XXXX XXXX XXXX and XXXX together to get this issued resolved and so another XXXX was sent to me on XX/XX/XXXX and I received that one. 

On my billing for XX/XX/XXXX I see 2 charges on my XXXX XXXX XXXX bill and I called XXXX XXXX XXXX and they said that I had to call XXXX to resolve this. I called XXXX  and nothing was done to correct the issue. I called again in XX/XX/XXXX and wrote the name of the representative and said it would take 2 to 3 billiing cycles for a refund. But that never happened either. 

My XXXX XXXX XXXX bill was very wrong for 4 months because the overcharge was not refunded in a timely manner and XXXX XXXX XXXX closed my account and now I owe XXXX XXXX XXXX {$3900.00} in XX/XX/XXXX. I tried to make payment arrangements with XXXX XXXX XXXX but still with no refund I could not keep up being charge late fees for owing XXXX XXXX XXXX so I said I could not pay it and I let it go and went to a government paid subscription with XXXX as I owned my phone XXXX XXXX Active. 

I had my BCM ( Blended Case Manager ) XXXX help contact XXXX and she was taking notes from the call as I was speaking to them and I received an email from XXXX on XX/XX/XXXX that they have just refunded my XXXX XXXX XXXX account {$290.00} and I did not agree with that decision when they are guilty under law to refund the overcharge of an XXXX which I never received and now the account is in collections. I did contact XXXX  representative immediately after I received my bill. 

I have disputed the collection with Credence Resource Management , LLC and nothing is being done because now I am contacting CFPB for reporting XXXX   negligent to refund in a timely matter when it was their mistake when their insurance adjuster intercepted the first XXXX XXXX XXXX XXXX and I never received it. But yet XXXX billed XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I had signed up with XXXX XXXX XXXX BOGO in XX/XX/XXXX before my ending of my billing cycle. I was told by XXXX XXXX XXXX representative that I would start seeing credits for the BOGO in 2 to 3 billing cycles but never did. Once XXXX billed me for an XXXX XXXX XXXX XXXX on XX/XX/XXXX my bill was too high and wrong and XXXX XXXX XXXX never gave me the credits because XXXX  billed me wrongly and should be held responsible for my XXXX XXXX XXXX account collection. 

XXXX  XXXX XXXX XXXX XXXX, TN XXXX No Phone number All transactions done online through XXXX and XXXX I did receive an email from a representative and it is in the documents that I have provided.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

In  XXXX , RBS/Citizens sol d Charter One  Bank to  XXXX   XXXX . As a Charter/Citizens customer I was informed all accounts had been transferred to  XXXX   XXXX .In  XXXX   XXXX , I was informed by Citizens that it had retained my ( unused ) HELOC and that it was scheduled to expire in  XXXX   XXXX . Upon researching  ( IL  ) local institutions for a new HELOC, I was encouraged to review our credit report as it would effect ou r credit score which would be used to identify the interest rate we would be charged. Upon examination of my  credit report, I saw that Charter/Citizens had informed credit agencies that some overdraft lines of credit were closed while not others with the transfer of the retail accounts to  XXXX   XXXX . I was informed by local lenders that said  OPEN a ccounts would affect our  credit score.      I have personally contacte d Citizens on two occasions and with my personal (   XXXX   XXXX    ) manager   also twice. Recently, Citizens informed my current  XXXX   XXXX  manager it could do nothing unless I was sitting at her desk and I would confirm she had my authority to talk to Citizens on my behalf. We did so this a.m., afte r forty five minutes of pass-the-buck, Citizens ter minated the call. I can not be the only form er Charter One customer who 's  credit report still contains such erroneous information. All that is required of Citizens, in my view, is to inform the credit agencies that ALL these accounts are closed ; and it will not do so.
Consumer complaint received 2024-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX credit inquiry Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXXXXXX XXXX Requested On XX/XX/XXXXXXXX XXXX  Requested On XX/XX/XXXXXXXX XXXX XXXXXXXX Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX  Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX Requested on XX/XX/XXXXXXXX XXXX XXXX  Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All these companies are showing up on my credit report that I recieved through my yearly credit report and I have no knowledge of or gave authorization to do any transactions that would require this type of authorization of any sorts.
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (CA)

XXXX   XXXX ,  XXXX  To Consumer Financial Protection Bureau : Complaint regarding  Southwest Credit  and  XXXX   XXXX   XXXX   XXXX  inappropriately reporting derogatory information on my credit file which at no fault of mine is adversely impacting my credit report and  credit score.      I called and cancelled  XXXX   XXXX   XXXX   XXXX  on approximately  XXXX   XXXX ,  XXXX . I directed them to send any refund or final bill to my new address which I clearly provided to them. They failed to do this and the subsequent statements continued to be mailed to my old address. Please note I paid my account on time the entire time I had service with them and I promptly returned their equipment.   Instead of calling me and/or emailing me ( they had both my phone number and email address ), they turned over a bill for {$96.00} to a collection agency.   When contacted by the agency, I provided my new address to them and asked them so send copies of the  XXXX   XXXX   XXXX  bill as it was never sent to me. Once I received the bill, I paid the balance.   I am appalled that due to the incompetence of  XXXX   XXXX   XXXX  not updating my address as I clearly instructed them to do, I am now wasting my time and others to resolve this issue. If they had handled my account correctly, I could have simply paid the bill. Despite their mistake, I am the one having my credit report impacted and having to spend my valuable time resolving. As I stated above, I paid my bill on time every month when I had service with  XXXX   XXXX   XXXX  and I have ZERO late payments on my credit report ( and never have ) except for this ridiculous entry.   Please have this entry removed immediately from my credit report and provide written confirmation that this has been done.
Consumer complaint received 2017-04-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Received  XXXX  calls from  XXXX .  XXXX  Messages were left from " the   XXXX   XXXX  ,   XXXX   XXXX    from   XXXX   XXXX   XXXX    ''. They were attempting to collect a payment of {$760.00}. The female   (   no name ) that I spoke with said that  Insight Capital LLC  was about to sue me due to an unpaid old debt. She could not give me a specific date that the debt was incurred. When I requested the name of the company, they said  Insight Capital LLC . When I asked for a specific commercial name  (  brand name ) used for where the debt was incurred, they rattled off a list of multiple pay-day-loan company names. When I requested written notification, they said that notification was already sent to  a street  name ( no full address ) that I have not lived in since   XXXX  . They said they also attempted to contact me via an email address I have not used is more than  XXXX  years. She " spoke '' with a lawyer  XXXX  times at offered an immediate pay off of {$500.00}. I said I would need to call back next week, then said I could not end the call otherwise the claim would be submitted to the court (    XXXX   XXXX   XXXX  /No s pecific court house ). During the call I looked up the company name "  Insight Capital LLC  '' and saw that there was debt scam information tied to the name. I attempted to end the call and she tried to convince me to send a small amount of the payment {$100.00} and then I could pay the rest next week.   When I refused, she warned me that I would be served legal notification by police officers soon. I am concerned because I confirmed by DOB and last  XXXX  of my social with her. I am concerned that an unverified debt will be added to my credit report as other people who complained said has happened to them.