davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Financial Credit Service, Inc. (OK)

I received a collection letter dated XXXX XXXX XXXX from ARA Inc . This collection was in reference to XXXX file in the amount of {$13000.00}. This company has not replied to debt validation requests and are to cease and desist at this point in time seeing as how the original date of the sale of this vehicle was XXXX XXXX XXXX. This attempt of collection is well past the state of Oklahoma 's statue of limitations. I also want the proper debt validation that I never received then no further contact.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

I received a call from a debt collector, XXXX, regarding a debt from the year XXXX. This account was paid off in XXXX via a third party. Unfortunately, I don't have this record from XXXX years ago. I contacted the original creditor, Citibank/Citicard and they have no record of this account. 

In XXXX, I was being harassed by XXXX XXXX XXXX and mistakenly made a payment of {$20.00} out of distress. This account is over 20 years old and was settled over 15 years ago. 

Amount : {$1500.00}
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Under Section 605C of the Fair Credit Reporting Act ( FCRA ), human trafficking victims have the right to remove adverse items from their credit report. However, they are refusing to send me a copy of my report, which prevents me from determining if there are any adverse items.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My personal information on my credit report is incorrect starting with my name, address. XXXX showing my personal information misspelled names and my current address showing old addresses listed below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NAME ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESSES XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

Can't get a copy of my full credit report with my score and the last time I checked my score on XXXX XXXX  and every time prior to that on XXXX XXXX or from having my credit ran only Equifax is XXXX points or more lower than my other XXXX credit scores. Sometimes it's over XXXX points lower with the same information across all of my credit reports. My personal information has been breeched because of their negligence multiple times and now they are sending inaccurate credit scores to lenders that one lender told me was XXXX points lower than XXXX. My XXXX score was XXXX and my score for Equifax was XXXX! Every piece of information was identical every bill every payment every amount address you name it. They were part of a class action lawsuit there are other lawsuits for similar situations by individuals and some of the information is below. 

Equifax sued over glitch sending inaccurate credit scores to lenders. Consumer credit reporting agency Equifax is being sued for a three-week glitch earlier this year that XXXX have sent incorrect credit scores for potentially millions of Americans to lending agencies and banks across the country.
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: United PanAm Financial Corp. (FL)

I purchased a car through XXXX in XX/XX/2022 and when purchased they told me that they would be covering the cost of the plates and registration, that it would be in the car when it arrived. It was not, I called the finance company and made them aware of the situation and they told me that someone would be in contact, also told me to call XXXX. I was sent them in an email to print off at the library. Which doesn't seem legal. I was given a rental for the interim while waiting on the plates to come in. I was not able to work for XXXX with the rental because it was a rental which costed me money. Finally got them and the battery was no good in the vehicle now which took another week to figure out and a fight with XXXX to replace it. Still no calls from United Auto Credit. Now the body control module has went out and I have explained to United Auto Credit where the vehicle is and what the issue is and told them that I couldn't afford the repairs let alone the payments. I have been getting harrassed about paying the notes and haven't received a bit of assistance for it. This loan is my XXXX car loan in the past year and a half, and XXXX of them are in default for being XXXX XXXX  not useable. 

After speaking to XXXX XXXX I was told that they would help me get the car fixed. I told them I couldn't afford the fix it and then found out about my warranty. I got it fixed but it was still gon na cost an entire payment, and XXXX repeatedly told me that he was going to get me reimbursed for the repairs then disappeared when I sent him the paperwork for the repairs. I sent several emails containing the final charges and when I finally got an answer he decided to start shouting at me because I was frustrated and snappy after about 2 months of dealing with this. Now the car is totaled. And I let the company know that XXXX was refusing to pay for repairs because of some small print in the insurance claim. I told XXXX about this, they said they couldn't do anything. I told them I couldn't either and let them know several times that I could not afford to make payments, that I was living oXXXX XXXX XXXXXXXX XXXX  in the car that had just been totaled by a drunk driver. I asked them to stop reaching out and they continued to harass me, phone calls, emails, text messages. I repeatedly told them to not contact me again, the car had been in an accident and of course they continued to call, text and email. I was then told that they would defer a few payments to try and help me but received a call the next day saying that they needed a payment and then told me that I was lying when I told them about the previous conversation. They have called my friends, and previous partners repeatedly even when they asked them to stop. Harassed them for a good XXXX months. Now they hitting my credit with a closed account.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We have an existing mortgage with Nationstar Mortgate, loan number XXXX. We have good credit, never late on a payment or filed bankruptcy, steady jobs and near $ XXXX in equity on our home. 

We have been attempting a refinance since XX/XX/XXXX. Initially, we were approved but when it came time to sign, they changed the terms of the loan on us. We were working with another lender, too ( a broker friend, unfortunately ) who said he could meet their original terms of the loan. We decided to go with him. It turned out to be a mistake so we went back to Nationstar, hoping it would be easy to resume the loan. 

It has been a disaster. With no competition anymore, it has felt like Nationstar has no intention of giving us the lower interest rate they quoted us ( 3.99 ). There have been XXXX different loan officers on this loan. It appears that, instead of extending the lock ( which costs them ), they avoid it by originating a brand new loan and assigning a new loan officer. With that comes the deluge of NEW requests for documentation they have already received. And no one will ever call us back or answer simple questions : Is this a new loan? Has the interest rate changed? Are the closing costs still waived? We will supply all their demands and then they change loan processors again. The most recent loan agent is now in Connecticut and has asked for the FULL copy ( via email ) of our living will and trust. It is about XXXX pages long. I can not get it through my server. So, we set up a very organized, shared XXXX file where she can easily find and download all documents she needs. She has never accepted the link or even replied to my email suggesting it. 

Honestly, they are not operating in good faith. They have NO intention of lowering the rate on our mortgage. It has been XXXX months and we are still in the very first stages of refinancing. This is the most egregious experience with customer service I have ever been through. Can you help us?
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (KS)

I simply wanted to speak to a customer service representative because I had some questions about the payoff quote. I tried every possible phone number to get a real person and everything in their automated system just keeps going in a circle. If you ask for a representative or agent, it asks you to provide a reason why you are calling and the circle starts all over again. It appears from what I'm seeing online as this is a common problem/tactic of this company to never let you speak to a real person.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

paypal account is being charged with charges I am not making. My account is one long list of charge backs after another, none of them are mine. I called them XXXX of 2022 and filed a complaint against the charges and told them to freeze my account and if I wanted to use it again I would call back and unfreeze the account to use it. It was never frozen as requested and I find that the same thing has been going on since the phone call. I called them again recently and told them to close my account and that I would never use it ever again. They forwarded me to their fraud department and the person I was trying to talk to would not listen to me, he just hung up on me. 
The charges on my account are false and one look at the activity would prove that there is something going on with this account. I WILL NOT pay for something that I didn't ask for and need your help to get this problem resolved. The current charges on my account are XXXX and that is totally false. 
Thank you for your attention in this manner. 
XXXX XXXX
Consumer complaint received 2023-03-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX  XXXX Balance : {$25000.00}.
Consumer complaint received 2023-01-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I dispute six accounts on my XXXX credit report they have been closed, charged off, written off and it is still showing a balance state of Michigan reported an account that has no lender or bank lender attached to it. I disputed these things because they are supposed to be removed off of my credit report. Accounts are showing written off or charged off and they still showing a balance which is against the law. Fraud during lent with addresses that I have not resigned that also names on my credit report that are incorrect, and I would like them to be removed, as well as the addresses that I do not reside at. And all of these issues are from XXXX credit bureau.
Consumer complaint received 2024-06-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Robinson & Hoover (OK)

These people are Corrupt. I do not owe I'm not paying anything. These people know that the car was returned they did not provide the title within 30 days. They did not do what they were supposed to do. They are making false claims about something that I do not owe. They are capable of murder they are participating in a conspiracy to commit murder, they're lying, one of the attorneys is having an inappropriate relationship with another attorney, and they're paying people under the table to get judgment that they feel benefits them. Stealing money from me. I am working on getting charges filed against this lady and these people. XXXX XXXX continues to report information that they know is false and is not correct they have not verified it just because somebody sends you paperwork saying that this and that doesn't mean that it is valid and it's not valid I've disputed it several times but it's okay because like I said karma is a XXXX and I'm coming after y'allXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are running a Ponzi Scheme Fraud so is Robinson Hoover and Fudge. They file hundreds of thousands of lawsuits against people every day. They sold a car that was defective knowing that I could seriously be injured or the XXXX causing death. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also falsifying records and lying to try to extort money out of me. The attorney XXXX XXXX XXXX which they transferred over to is also a co conspirator and is also participating in a conspiracy to commit murder.
Consumer complaint received 2023-03-03
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. (CA)

Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-03-03
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. (CA)

Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2015-08-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (MI)

I am writing to make a complaint against PNC Bank, NA. My husband and I have a home equity loan with PNC Bank that we 've had since XXXX. Our loan is due to be paid full by XXXX XXXX. We are starting to make principal only payments on the balance so that the loan will be paid full by the above date. 
I went to a branch drive thru on XXXX/XXXX/XXXX with a coupon and I wrote in bold letters " Principal Only '' in the amount of {$200.00}. After leaving the bank, I discovered it was processed as a regular payment. I then called the branch and was told by the teller, they have no button on their system to process " principal only '' payments on a home equity loan. I then had to call customer service and request the payment be reversed. I have been on the phone everyday talking to various customer service staff to see how to get my " principal only '' payments processed as such. 
I 've been told all payments will be processed as " regular payments '' and then they have to request that Branch Support Hot Line reverse the payment as principal. I was told this process takes approx. XXXX days. I then asked will the interest accrued on account be reversed and I was told, " No ''. Well in my mind, this defeats what I am attempting to accomplish if I 'm still accruing daily interest ( approximately {$8.00} per day, last time I was told ) and it 's not be reversed. 
I had a home equity loan with XXXX XXXX XXXX and we could make a " principal only '' payment anytime, at the drive thru or inside a branch, and my receipt would indicate " principal only '' payment. 
I think this is a way to collect more interest from their customers who have home equity loans with PNC Bank, NA. How could a bank in the lending industry not be able to service all loan customers in a fair and equitable manner? 
My wish from this complaint is that PNC will have to put in place an option for home equity loan customers to be able to make " principal only '' payments on their loans just as home mortgage customers have to option to do so. At the very least, if that 's not an option, then to reverse the daily interest accrued on account while waiting for payment to be reversed to a " principal only '' payment. 
I appreciate your assistance in this matter.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (FL)

( SEE ATTACHED PROOF OF FRAUDULENT ) EXPERIAN CONTINUES TO BE WILLFULLY NON-COMPLIANCE AND ASSIST AND XXXX IN FRAUDULENT ACTIVITIES AFTER PAST COMMUNICATIONS XXXX AND XXXX HAS CONFIRMED XXXX XXXX IS A FRAUDULENT ACCOUNT AND HAS DELETED AND REMOVED XXXX XXXX  ACCOUNT AFTER SENDING SAME DOCUMENTATION TO EXPERIAN CURRENTLY EXPERIAN IS GOING THROUGH A LAWSUIT DUE TO IRRESPONSIBLE SECURITY OF CONSUMERS INFORMATION I MAY AS WELL BE ONE OF THESE VICTIMS PLEASE DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Your credit card application has been received, We wanted to let you know that we've received your application for the Free Spirit Travel More World Elite XXXX. We're currently reviewing your information and you can check your application status online at any time. 


Got the above email from Bank of America on Saturday, XX/XX/2022. I did not apply for any credit line or made any inquiry to my credit. I immediately tried to contact Bank of America and the credit Bureau but Im assuming because of the weekend I had no luck. So I waited until now, which is Monday XX/XX/XXXX to contact XXXX and file a dispute. I will attempt now to call Bank of America again.
Consumer complaint received 2017-01-14
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

mother passed XX/XX/2016 without a will she had property in MASONTOWN PA. her in tensions were to put the property in mine and my brothers name. she went to a place in her home town and paid to have our info added, but it did not happen, but there is a witness. any way since she passed, without a will, because the mortage company refused to speak with any one, we agreed that my sister would be appointed as the person to contact. now that the mortgage company required her to be listed as administrator or executor of the estate order to speak to her, she went through that process. now she has aurthorised my to resolve the issue. I have contacted the company three time to resolve the issue. I have asked to be added to the mortage as the successor, and bring the mortage current, and begin loan modification. they told my sister she had to be listed as the person to contact, by law in order to talk about the loan, and now the have refused my offer 3 time to bring the loan current without XXXX triggering the process, and the have refused to add me as the successor, I do n't understand why this is so hard, the loan value is XXXX. can you help company is Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX ACCT NO XXXX PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$900.00}