davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In both XX/XX/XXXX & XX/XX/XXXX I filed a complaint with Transunion and XXXX about UNAUTHORIZED inquiries on my credit report, prior to this complaint I had a fraud alert added to all 3 credit bureaus early in XX/XX/XXXX I believe XX/XX/XXXX/XX/XX/XXXX and wanted to be contacted if my credit was run by any creditors during that time I received only 3 calls from creditors to look at my report those 3 were " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX '' because I was shopping for a new vehicle. All other inquiries from the time I had mlthe fraud alert added till now were NOT AUTHORIZED and I asked to have them investigated and removed " Transunion '' completed their investigation on XX/XX/XXXX & XXXX completed theirs 2 days after submitting my complaint online, both stated that the inquires are Factual when they are not they took less then a week to investigate which I find a bit unbelievable I do n't think they actually did a investigation and it is GREATLY affecting my credit and hampering me from purchasing a new home!
Consumer complaint received 2018-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX and Transunion have yet to show me verification that the negative items such as XXXX and XXXX XXXX XXXX and XXXX XXXX is my account it has been more than 30 days I have sent verification that the XXXX was paid off by my insurance company as a toll lost and they have yet to remove it. XXXX XXXX as well never late I have a 10 days after my payment to make a payment and they have been reporting lating this is affecting my credit score tremendously
Consumer complaint received 2017-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (PA)

After reviewing the loan with a banker, I realized the estimated payoff amount started to increase from {$12000.00} in the statement dated XXXX XXXX, XXXX to {$13000.00} in a statement on XXXX XXXX, XXXX. Also the Accrued Interest doubled on two different dates. On XXXX XXXX, XXXX the interest was {$100.00} and on another invoice from the same date was {$510.00} and that happened again on XXXX XXXX, XXXX as well with accrued interest going from {$130.00} to {$380.00}. The interest rate is currently 18.89 % and my payments are {$320.00}, I asked if the interest rate could be lowered and was told 'Santander Consumer USA does not lower interest rates. '
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (AR)

This is in reference to complaint # XXXX XXXX XXXX has yet again sent this rogue bill yet to another collection agency this time to Diversified Consultants in XXXX, Fl this company sent a bill this time 1st bill I have ever gotten, it usually just pops up on my credit.. anyway, I called and spoke with them Monday XX/XX/XXXX around XXXX.. told this agency this is not my debt, he said there was n't anything he could do and that XXXX XXXX was going to continue to send this debt until its paid.. so I then hung up contact XXXX fraud department.. told them I had never gotten a bill from them and it 's not my debt.. the lady really did n't want to hear my story, told me she was sending me to the fraud department and speak to them.. I was transferred to an automated message to go online and file a fraud complaint.. when you go to the website it ask for your picture id and social security number.. why would I want to give you that kind of information if you claim to already have it on file?? I have asked them to send me signed documents where I signed for these services and I asked them to send me copies of proof of anything that I signed getting these services, I have told them that if they pull up XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX fire in the XXXX XXXX Commercial newspaper they will see I was interviewed by an reporter that I lost my apartment in a fire listed at XXXX XXXX XXXX and I also filed bankruptcy 2 months after the fire if this was debt I could have simply put in on my bankruptcy.. this is not my debt.. this is not BACK on my credit as of yet.. your agency helped get this removed in reference to complaint # XXXX.. please do not let these people put this back on my credit!! This is a complete nightmare!! I am in the process of looking to purchase a new home in about 6 months or so.. I do n't need this popping back up on my credit.. please help.. I have the email I sent of this conversation to XXXX XXXX if you would like for me to forward emails.. the emails state what I told you in this complaint
Consumer complaint received 2017-10-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (FL)

I feel no one is listening to me at Honda Financial. Yes, i did fall behind my payments. Honda FinanciaXXXX next move was to block my ability to make electronic payment. It must be closed to a decade since i stopped making payments by snail mail. There is a high fee that customer service charge when you try to make a telephone payment. During the month of XX/XX/XXXX my county ( XXXX county Florida ) was declared a federal disaster zone. The rep from Honda financial stated in a rude way that everyone in Florida is trying to use the Hurricane Irma disaster as an excuse not to pay their bill. Yes, the Hurricane caused me Hardship. It destroyed part of my house a large tree, and spent week without electricity. Also, i was unable to work. I want to resolve this problem. I want to pay my bill electronically on the honda Financial website. If i have to call to make a phone payment I dont want to pay a fee.
Consumer complaint received 2017-10-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC (NC)

I received Orders for XXXX XXXX in XXXX XXXX, and I requested the interest rate to be lowered. I mailed in my request and Orders. I XXXX XXXX XXXX. I never received the decrease in my interest rate. I followed up every month about the Interest and I was told it was being processed. After returning from my XXXX in XXXX XXXX, I was told by Flagship Credit Acceptance I could not receive Servicemembers Civil Relief Act. I was XXXX for a year and it caused significant financial issues the fact I was told it was processing but the interest rate was never reduced. I kept receiving the run around and was treated unfairly.
Consumer complaint received 2017-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (MD)

XXXX XXXX XXXX, XXXX, XXXX, Education Loan being serviced is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX  XXXX XXXX, XXXX is servicing a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my XXXX XXXX XXXX XXXX XXXX I have written several letters to XXXX XXXX XXXX, XXXX to resolve this matter.
Consumer complaint received 2017-10-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

Navient sold me high interest student loans that totaled over XXXX}. My private student loan repayment, not including federal loan payment, is increasing from XXXX to approximately XXXX} in XXXX ( Navient refuses to tell me the exact amount ). I became unemployed in XXXX. Navient 's website said there are options to lower your private student loan payment if you can not afford it, but you have to call to find out what they are. I called and was told that there are no options and that I need to ask my co-signor for money.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CO)

My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I have a mortgage with PHH Mortgage, XXXX XXXX, XXXX XXXX. My complaint is that when I send my mortgage payment that includes prepayment of principal, the prepayment is first credited to the Escrow account, and not as a prepayment of principal. Additionally, PHH Mortgage is servicing my account from a foreign location XXXX. I do not want my non public information being shared with XXXX.
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: Experian Information Solutions Inc. (NY)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (ME)

On XXXX XXXX XXXX I requested a balance transfer, via phone, from my Wells Fargo XXXX XXXX card. I gave the XXXX digit number of the credit card I wished to pay off. I gave the last XXXX digits of the Wells Fargo XXXX, the last XXXX digits of my SS, my full name, and my full mailing address. I was told at that time the transfer was on it 's way. I monitored both cards and a week later I noticed the card I was trying to pay off had not been paid off. I checked my Wells Fargo account and noticed XXXX transactions. XXXX taking money out of the account ( to pay off other CC ) and XXXX returning that same amount back to my WF CC. I called WF and they said XXXX XXXX refused the electronic transfer. I told them the CC I was paying off has never been associated with any XXXX XXXX  Then WF sent me a cashier 's check payable to myself and XXXX XXXX I have never had an account with any XXXX XXXX. WF would not tell me where XXXX XXXX is located. I had WF stop payment on that check. And asked them to send the balance transfer to my XXXX XXXX, the holder of my XXXX XXXX. They told me that I was all set. A week later, on XXXX XXXX I asked again where my balance transfer had gone. XXXX XXXX. Again, I told WF that the card is NOT associated with any XXXX XXXX. WF escalated my case to the XXXX branch. Today, XXXX XXXX, I have repeatedly call to get a check sent solely to me to pay off this balance. They now want the XXXX digit security code on the back of my Wells Fargo Visa. I will not give it to them. XXXX times they have tried to pay this card without that XXXX digit security code, therefore they do not need that number. Can you help me resolve this. Thank you in advance for your help.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Once again, there is activity that is INCORRECT being reported by XXXX XXXX, XXXX regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, XXXX XXXX, XXXX. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at XXXX XXXX, XXXX. 
I have personally met with my personal bank and have attached all checks that were cashed per month by XXXX XXXX, XXXX. I have also attached the payment history showing all payments that were paid to XXXX XXXX, XXXX since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at XXXX XXXX, XXXX is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at XXXX XXXX, XXXX is still removing payments that were prior on my credit report such as XXXX 2017 payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. XXXX XXXX, XXXX has literally changed my credit report information on more than five occasions since XXXX XXXX, 2017. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, XXXX XXXX, XXXX. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. XXXX XXXX if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. XXXX XXXX, XXXX has a responsibility to report it correctly. Someone at XXXX XXXX, XXXX has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current XXXX XXXX XXXX payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with Equifax this morning. It is someone at XXXX XXXX, XXXX submitting the incorrect information. XXXX XXXX XXXX needs to fix this ongoing issue ASAP. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-15
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. (IL)

On XX/XX/2019, I placed an security freeze on my file with XXXX XXXX XXXX. On XX/XX/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. 

On XX/XX/2019, I sent Experian an letter demanding verifiable proof they have on file regarding the bankruptcies listed on my report. On XX/XX/2019, I received the following response from Experian regarding the bankruptcies listed on my report. 

Experian response : Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate Public record items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (MI)

I received a " bill '' dated XX/XX/XXXX from this company stating that I have an unpaid debt with them in the amount of {$1000.00}. I have never had any dealing with this company. On XX/XX/XXXX they signed for a certified letter that I sent them requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

I requested that I am asking for validation ; that is competent evidence bearing my HANDWRITTEN signature ( not a computer generated signature ), showing that I have ( or ever had ) some contractual obligation to pay them. I also advised, that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, or have never owed, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I did not receive any validation or correspondence from them. 

However, what I did receive was a notification from my credit monitoring service that they placed not one or two derogatory marks on all 3 of my credit reports but four ( 4 ). One on XX/XX/2017 ( before their initial " bill '' and the second on XX/XX/2017 ( 2 days after receiving my letter requesting validation ), XX/XX/2017 ( just after I filed a complaint with the BBB ) and the last one noted on XX/XX/2017. Making 4 negative entries on my credit reports has caused my credit score to drastically decrease between 20 - 45 points ( depending on the credit bureau ). These marks are clearly retaliation for me challenging them.

XXXX XXXX  never responded to me directly from the certified letter I sent them. They only responded to me through my complaint with the BBB, Their " verification '' is an itemized bill. According to XXXX ( attached ) this is NOT " verification ''. 

Removing ALL items that they placed on all 3 of my credit reports immediately and permanently. If this is not done within 30 days, I will be filing a suit in court and seeking a minimum of {$1000.00} in damages per violation for : a ) Defamation, b ) Negligent Enablement of Identity Fraud, 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Consumer complaint received 2017-10-03
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: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a “Suspicious Request” which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experian’s delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I cannot be the only one…The account in question are as follows:ACCOUNTSXXXX XXXX 		          	****XXXX				           XXXX   			****XXXXXXXX   			****XXXXINQUIRIES	XXXX XXXX XXXX			XX/XX/XXXX	XXXX XXXX		XX/XX/XXXX	XXXX XXXX XXXXXX/XX/XXXX	XXXX XXXX XXXXXX/XX/XXXXPUBLIC FILINGS	XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX
Consumer complaint received 2018-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TN)

Navient is the loan servicer. I only owed XXXX. Now I do n't know. You pay online and it is always down. They called me and said they have taken a judgement out. The monthly PMT is XXXX.and I 'm on XXXX. They wanted to send a stranger to my house. I said send a sheriff. I called county court and they have no judgement.
Consumer complaint received 2018-04-13
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: ERC (VA)

These accounts have not provided proof and either was removed or re-inserted without notifying me. 

XXXX XXXX was an account that was removed on XX/XX/2017 from XXXX  but both XXXX and XXXX have not removed the account, although the creditor failed to provide proof. 

XXXX XXXX has not provided any proof or account information but is reporting on my credit report. 

Enhanced Recovery was an account that was deleted XX/XX/2017 by XXXX XXXX account but re-inserted without notifying me or proof.
Consumer complaint received 2019-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

PAYPAL Purchase : # XXXX Date : XX/XX/2019 SELLER : XXXX XXXX XXXX XXXX Requesting refund because the seller is defrauding people is the first problem and the second problem is getting through to Paypal. 

Everytime I call Paypal the phone just rings for a minute then hangs up. Something for their online chat. They chat for a minute then it drops. I tried to file online but since the transaction went through paypal on the sellers end it does not show up in my account. I had problems with signing into Paypal. 

They need to know that these people are defrauding others. 

I purchase a course for XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX XXXX  XXXX XXXX. To get the course you had to purchase their materials at {$490.00}. 

They send you a complementary certification to attend with the materials. Now I am being told that I must pay for the 2-day event. Its a very clever scam that they are doing as you will see from the attached documents I am demanding a full refund. I am not paying more then what the purchased price. I also feel misled and feel that the trust has been broken. I have attached everything needed to review. 

XXXX XXXX is not responding to my emails They have an obligation to me since I purchase their product. I am attaching screen shots of the issue with this report