davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (UT)

I would like to lodge a formal complaint against new American Funding for indiscriminate charges on my ESCROW account for Hazardous Insurance. At the time we opened the loan our HOA provided to them documentation that I do not need HOI from them. Over the years they ignored my request to stop charging me.

I am reaching out to you for a total collection of all my yearly payments toward HOI. I would like my collection to be applied to my principle.

I have resubmitted ESCROW Account Waiver form : Our HOA insurance company is XXXX, I have been charged {$1000.00} yearly. 

Sincerly XXXX XXXX, XXXX, XXXX ( XXXX  )
Consumer complaint received 2020-01-08
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: EQUIFAX, INC. (IL)

I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
Consumer complaint received 2020-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB (NJ)

An unauthorized charge was made by XXXX XXXX XXXX the insurance company XXXX from my escrow account associated with a mortgage account on XX/XX/XXXX in the amount of {$530.00} dollars. 

I contacted the agent right away XXXX and XXXX more time a couple of months later inquiring the progress ), and the agent acknowledged the error and agreed to fix it. However, the refund still has not been issued back to me XXXX or credited back to my account XXXX as of today, XXXX XXXX, XXXX, causing my escrow account to be in shortage for months now.
Consumer complaint received 2020-01-03
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. (CA)

In the month of XXXX I had gotten very sick and fell into a hardship to maintain my financial expenses. This effected my credit score outstanding. I was late for my car note payments from santander for XXXX $ for 2 months ( XXXX & XXXX ) and I was released from work because of unjust behaviors. I had to start back working and doing 10 hrs plus over time a week just to catch back up on all my payments towards my Santander auto loan. Me being sick and missing work for those weeks hurt me a lot.
Consumer complaint received 2020-01-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

I am a protected veteran. I am diagnosed with a XXXX XXXX XXXX. I have XXXX  problems. I thought I would sign up for Auto Pay to help myself. But what is happening is I forget I have Autopay and I will make a payment. Unfortunately the bloomingdales   computer program will not recognize a payment made and cancel the upcoming auto pay and they take a second payment. This had happened several times in the past and onXX/XX/2020. I have other creditors that put a reminder on the bill so that the customers don't make the same mistake. When I called bloomingdales to explain the situation and ask that they take steps to prevent customers, who have a XXXX  as I do, from making double payments, they acted as if there is nothing they can do. It seems to me that they just like this situation. I believe that they can put a note on the monthly bill that reminds the customers that they have XXXX. Or they can update their computer systems to recognize that a payment has been received, and a statement made to that effect, to advise the customer. Thank you
Consumer complaint received 2020-01-07
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. (UT)

XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX XXXX Mail. Sent USAA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) signed XX/XX/2019 *DOCUMENTATION REQUESTED NEVER PROVIDED Requested a ) Dates of ALL chargebacks with Amounts b ) Merchants Names c ) Accurated Dates of purchases d ) Dates PERMANET USAA CREDITS APPLIED TO BALANCE e ) Dates MERCHANT CREDITS APPLIED Also 1 ) List of ALL ADJUSTMENT PURCHASES AND DATES THEY BECAME PERMANET CREDITS APPLIED TO BALANCE 2 ) DATES THESE ADJUSTMENT PURCHASES * BECAME NEW PURCHASES ON BALANCE PROVIDE DOCUMENTATION WHO AND WHEN FRAUD INVESTIGATIONS BEGAN AND WHY
Consumer complaint received 2020-01-04
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. (NC)

I have been disputing this account for a long time now and all I wanted is to have this account removed from my credit report. XXXX XXXX XXXX ACCT # XXXX****I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not, and, they will say my file has been updated .The credit bureaus have failed to show me signed documents showing that the account belongs to me. I am so sick and tired of credit bureaus releasing inaccurate information about me without proof that the accounts belong to me. Please help do something about them.
Consumer complaint received 2020-01-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (MN)

I am contacting you in reference to my loan # XXXX with AmeriNat and the questionable customer service which Ive received. 

On Friday, XX/XX/XXXX, I signed into your website ( https : //www.amerinatls.com/ ) in order to look into my existing loan with your institution. At which time I discovered that in spite of my making nearly 2 years of payments, my principal balance had only decreased by a little over {$2000.00}. As I have a median interest rate and loan amount, I found this dismal pay-down to be strange, so I called in to your customer service group with questions about my : loan, balance, interest rate and per diem. The first young lady whom I spoke to seemed to not know what a per diem was, as each time I asked her to calculate my current per diem, she replied with AGAIN giving me my interest rate. I ended this phone call due to frustration and instead utilized your website to explore my payment history myself. 

After going to XXXX and finding a basic formula for calculating daily interest and doing the math, I called into your customer service once more. The gentleman whom I spoke to was at least familiar with the term per diem and knew how to calculate it. After doing his own math, he agreed that the way my payments were applied seemed odd. At this point, I assumed that Id get a ticket or reference number for a review of my account and payment history, but no such luck! I was told that this young man would put my request in his pile and later review it with his manager before calling me back by XXXX. Unfortunately, I did not receive a callback or any other type of follow up for my concerns. Im disappointed that your institution seemingly doesnt have any escalation department or process to assist borrowers with this type of inquiry, so I am sending my complaint in writing and including the OCC and FTC in the thread. 

I have attached a spreadsheet of my loan history, and would like an investigation into my payment history & a breakdown of how my payments were applied going back to this loans inception. 

Here are just a few of my concerns with how my payments have been applied : I made 2 payments in XXXX on 2019 in the amount of $ XXXX/each. How is it that my principal and interest breakdown are the exact same for both payments? Please explain your math in calculating {$210.00} worth of interest when my records show that accrued interest should have been under {$160.00} I started routinely overpaying my loan by $ XXXX/month in XX/XX/2019. These overpayments do not appear to have been applied to principal, where are they?
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I need the following incorrect addresses removed from my credit report. I do not recognize them. I am looking to start a new job and my information is not right on my file. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-01-04
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: EQUIFAX, INC. (NY)

I have previously reported these items was incorrect. It is not my account, i believe i am a victim of identity thief. The following accounts needs to be deleted : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1900.00}
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Accounts couldn't be paid due to wifes medical and loss of work. Both of my capital one accounts went into collection. A company called " XXXX XXXX XXXX '' handled the accounts through negotiation in XX/XX/XXXX. Both accounts were paid in full, but never removed from my credit reports. XXXX XXXX XXXX has been trying to help me get these fixed with no help. Capital One is saying I still owe them money and wont update my credit report after settling their agreement terms. I have contacted Capital One over 10 times over the last month trying to get " payoff '' letters to fix my credit myself. They refuse to give them to me even though I have paid them.

One account had a balance of {$2900.00} and was settled for {$1400.00} with the last payment being made inXX/XX/XXXX. The other account had a balance of {$1200.00} and was settled for {$630.00}. The last payment was made XX/XX/XXXX. Capital one will not give me the payoff letters I am due to file on my taxes for XX/XX/XXXXyear. That is the legal requirement and I will be reporting them to the IRS also.
Consumer complaint received 2020-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PNC Bank N.A. (PA)

In XX/XX/2015, I closed my business because I was selling my XXXX. I had called the XXXX branch of PNC bank to let them know that I was going out of business and asked if my daughter could close the account for me since I was going for XXXX  XXXX. They said I had to come in. Several days after my XXXX, my daughter brought me to the bank in XXXX to close the account. The girl in the office who could have been XXXX or one of her associates, said that they would be closed as soon as the last check came in. This obviously never happened! Someone didnt do their job! I have received a notice early on and was told it was a mistake. Over the years, I have told PNC Bank that I dont owe anything and I want them to stop calling me! They called me XXXX at night and harassing me! I finally asked my daughter to take over and talk with them because I was becoming ill and having XXXX XXXX. My daughter worked with them and found as many records and she could and brought them to the bank in XXXX, for them to do an investigation. To date, they have not given me any answers but continuously ask me other questions about names and dates I can not remember. My daughter called and told them to send our records back and that we are going to file a complaint.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

This account is more than 7 years old but has not been deleted from credit report. Account is also closed but continues to have over XXXX charge - offs which is against FTC regulations to report. 

1. USAA SAVINGS BANK {$7600.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX 2. XXXX XXXX   DELAWARE {$0.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX 3. XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1000.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX
Consumer complaint received 2020-01-04
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. (NC)

There are many accounts and inquireies on my credit reports and i have reached out to creditors and credit bureaus with FTC reports and they are not responding to the letters i sent them and are causing many issues to my credit report.
Consumer complaint received 2020-01-04
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). 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 2020-01-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (AZ)

Been having trouble paying due to work related problems. 

In XX/XX/2019, I had to leave a job due to it being a hostile and verbally abusive environment. Looking for another source of income was difficult since the company refused to pay me on time ( they broke state law ). I also legally violated my lease with them since I worked at the XXXX   XXXX XXXX XXXX I lived in and incurred a lot of debt since moving.
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TN)

My ex - wife used my name to get into a apartment without my knowledge. We have been separated since XXXX, I never lived under this address. The divorce was finalized XX/XX/XXXX NATIONAL CREDIT SYSTEMS Account Name XXXX Account Number Collection Account Type Joint with Responsibility XX/XX/XXXX Date Opened Collection account. {$6800.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$6800.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$6800.00} Balance Updated XX/XX/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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XX/XX/year> XXXX funding XXXX XXXX XXXXXXXX XXXX SC XXXX Subject : Debt Validation Request Account Number : XXXX To Whom It May Concern, I am writing regarding a debt your company claims I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of the debt you are attempting to collect.

Please provide the following information for verification : 1. The name and address of the original creditor.

2. The full account number of the original debt.

3. A copy of the original signed agreement or contract with the original creditor.

4. The date of the debts original default and the amount of the debt at the time of default.

5. A breakdown of how you calculated the amount owed ( interest, fees, etc. ).

6. Proof that your company is authorized to collect this debt.

7. Any documentation showing that this debt is within the statute of limitations for collection in my state.

Please consider this letter a formal dispute of the debt and a request for validation. Under the FDCPA, all collection activities must cease until you have provided the requested documentation.

If you can not validate this debt, please remove it from your records and cease any further communication regarding this matter. 

Thank you for your attention to this matter. I expect to receive a response within the timeframe outlined by the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I was laid off XX/XX/XXXX of XXXX. I then went online Under XXXX website to request a forbearance for unemployment I received a notification on XX/XX/XXXX, stating that the deferment was approved up until XX/XX/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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I reached out to Experian by both mail and online to request a credit block Pursuant to Section 611 of the FCRA due to identity theft. I sent them a police report from the XXXX XXXX  Department outlining that I am a known victim of identity theft, as well as reports from the FTC both outlining the accounts that are a result of identity theft via mail and online dispute. I received an email from them letting me know that Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, they were unable to honor my request or a portion of it based on the limited amount of information regarding the dispute. I called in, and was told that they needed an unredacted police report. I uploaded that at their request, only to recieve THE EXACT SAME EMAIL 3 DAYS LATER telling me they cant honor my request! There is no more information that I can give them. They have the police report, they have the FTC report, I sent copies of my gov issued ID and insurance statements as proof of ID. I want them to know that this disregard for my rights under the FCRA will NOT go unchecked. If they do not honor this lawful request for a block pursuant to section 611, I will pursue arbitration or other legal avenues to recover damages.
Consumer complaint received 2024-06-04
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Kentucky Higher Education Assistance Authority (AR)

I hope this letter finds you well. I am writing to bring to your attention some concerning issues regarding the predatory sales tactics employed by XXXX XXXXXXXX XXXX XXXX XXXX, which have significantly impacted my financial situation. 

As a borrower of private student loans, I am deeply troubled by the unethical practices of XXXX XXXXXXXX XXXX XXXX XXXX, which has misled students into taking out loans under false pretenses. The institution has engaged in aggressive and deceptive recruitment strategies, often targeting vulnerable individuals with promises of lucrative careers and high-quality education. 

Unfortunately, many students, including myself, have fallen victim to these predatory tactics, resulting in substantial financial burdens that we are struggling to manage. XXXX XXXXXXXX XXXX XXXX XXXX has not only failed to deliver on its promises of quality education and job placement but has also left countless students burdened with exorbitant debt and uncertain futures. 

Furthermore, it is distressing to learn that the accreditation and reputation of XXXX XXXXXXXX XXXX XXXX XXXXXXXX have come into question, casting doubt on the value of the education and credentials obtained from the institution. This has serious implications for students who have invested their time, money, and aspirations in pursuit of a better future. 

In light of these circumstances, I urge you to consider the broader implications of your association with XXXX XXXXXXXX XXXX XXXX XXXX and reassess the terms of the private student loans issued to students enrolled in the institution. I believe that it is crucial for lenders to exercise due diligence and responsibility in ensuring that loans are offered ethically and in the best interest of borrowers. 

Additionally, I request that you explore options for loan forgiveness or restructuring for borrowers who have been adversely affected by the predatory practices of XXXX XXXX XXXX XXXX XXXXXXXX. Providing relief to affected students would not only alleviate their financial distress but also serve as a meaningful step towards holding the institution accountable for its actions. 

I understand that your company was not the original lender for these private loans, however, XXXX, who the loans were refinanced through as been found to be fraudulent with XXXX XXXX XXXX by the president of the United States. 

I appreciate your attention to this matter and look forward to your prompt response. Please do not hesitate to contact me if you require any further information or clarification. 

Thank you for your understanding and cooperation.