davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This is a response to the claim XXXX XXXXXXXX Experian, XXXX and XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services.Constructive Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. Online Information Services is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C.1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that you are a licensed debt collector *Chain of Title *Proof that you are license debt collector to collect in my state. * A requested copy of your XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Experian responded stating that XXXX XXXX is not reporting which it is just in a closed status which means they failed to comply with the FCRA under 15 USC 1681e ( b ) ensuring maximum possible accuracy when preparing my consumer report causing damage to my financial reputation because XXXX XXXX was reporting under the Name Department of Education which they now have transferred my nonpublic Information the their parent company XXXX who is now committing the same violations. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have these trade lines deleted from my consumer report.
Consumer complaint received 2020-04-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch (MO)

I applied for a vehicle loan on XXXX.com where it estimated my rate based on credit score to be 4 % through a company called AutoPay. I completed the application and shortly afterwards got a text message saying my application was approved. I replied to the message asking what my rate would be, they replied with 2.44 % for 37-63 months or 2.04 % for 0-36 months. I agreed to these terms and decided to proceed at 48 months at 2.44 %. I later received a message from the representative stating that they were responding with the wrong numbers, wasn't sure if my application would be approved, and if so the rate would be nearly 4 times higher. I asked that a supervisor reach out to me. I received a call from a supervisor who stated they were giving me someone else 's rates and they would not honor the numbers quoted. I asked if this was the case to close my application and remove the inquiry from my credit report at which time they stated that wasn't possible.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (TN)

On XX/XX/2019 I opened a business checking account online with iberiabank in respond to their promotion offer XXXX. The term states, earn a {$200.00} business checking cash bonus when opening a new business checking and make 15 client-initiated debit transactions ( use your debit card, write a check, or use Online Banking with XXXX XXXX  ) within the first 90 calendar days of account opening. I have satisfied the term requirements within the 90days, but never received the {$200.00} bonus. I contacted their customer service mutiple times in XXXX to inquire about the status and they kept delaying giving me the answer until 2 weeks later. They denied my bonus saying i did not make enough debit transactions, which was totally false. I had more than 15 debit transactions. When i pressed on they then claimed that some of my debit transactions were through XXXX app and XXXX app transactions didn't qualify. But the problem is that this info was not disclosed in their promotion term ( please see attached their term sheet ). If they didn't disclose or specify, how in the world could i know what debit transactions were excluded? I have followed and met their term exactly, but they did not!
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I was going over my tax returns and noticed Specialized Loan Servicing ( SLS ) which had my account for 3 month in 2019 charged me {$670.00} in interest for again only three months and my previous mortgage holder XXXX Bank charged me {$530.00} interest for 9 months. Those numbers just don't add up to me. I would like some more information on the you calculation of the interest on my mortgage I previous had with your company. I had to write a complaint with the CFPB because the last complaint I had with SLS I sent a Notice of Error Letter and SLS response to the Notice Of Error was the SLS never received it. I know for a fact that they SLS received the Notice Of Error because I took A picture of the letter with the correct address and I video taped men putting the letter in the mail box. Since I closed my account with SLS I no longer have access to my account that why I need SLS to sent me some documents with the calculation of my interest rates. Thank you.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was having a hard time last year was forced to fall behind due to multiple unforeseen events no fault of my own. I contacted XXXX XXXX in XXXX to resolve my delinquent issues. I was offered a payment plan for 8 months. I paid over my normal minimum payment with a 8 months payment plan. The entire payment place since XXXX was PRESCHEDULED and on AUTO PAY. XXXX continue to report my account reach month as being late when all of the payment has been made ON TIME and AUTOMATICALLY. I disputed the error and XXXX would just go an report my account XXXX late right after. Case in point they removed the recent XXXX error and yesterday I receive a notification they reported my account as late again.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (GA)

I have noticed that this account XXXX XXXX XXXX, is reporting as a collections account, but reporting as open with XXXX, and XXXX, this is a violation of the FCRA. I have not received any notifications regarding this disputed account.
Consumer complaint received 2020-04-15
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: PENTAGON FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX. There was a hard credit inquiry made on my credit report from Pentagon Credit Union. I have never contacted this agency regarding a line of credit or a loan. 

I called them on XX/XX/XXXX to ask why they made an inquiry into my credit. I could not get very far because they asked for my social security number in order to proceed in the queue to customer service. Since I am not a current customer, there was no need to provide my private information, so I did not proceed. I felt like it's either a scam or a poor way of doing business to ask for someone's social security number if they are not a current customer. Don't you agree? 

I would like this removed from my hard credit inquiries. 

They also made a soft inquiry XX/XX/XXXX and XX/XX/XXXX, and I would like these removed as well. I do not know this company. 

PENTAGON FCU XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX
Consumer complaint received 2020-04-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I applied for credit card to get a reduced rate on my XXXX fare and I also purchased trip insurance. The trip was cancelled and I thought my credit card was reimbursed the amount. I was wrong. I contacted credit card company in XXXX when I saw bill from them. I was told to pay the {$140.00} and when I was reimbursed by insurance to submit it to them and they would reimburse me. During the conversation, I told them to cancel my card. I remitted {$140.00} payment over the phone and forwarded the insurance document. ( attached letter dated XX/XX/XXXX ) Then I received an alert on my credit report and called them and spoke to them.I disputed this and received the attached letter dated XX/XX/XXXX saying I will be reported current. Fast forward another couple of months and they charge me an annual fee and interest on annual fee for a card that was to be closed based on a dispute I had with them regarding my credit. I then submitted another credit dispute, see attached letter date XX/XX/XXXX. My initial letter on XXXX XXXX tells them to cancel my card as it was part of the initial conversation, but they have now charged it off and it is on my credit report and they keep sending me email to pay XXXX of it. I should not have to pay any of it because it should have never been renewed. Please help! 

.
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

This is regarding my mortgage with my lender Specialized Loan Servicing ( S.L.S. ) account XXXX on XX/XX/2020 i made a payment online for the mortgage amount stated due for {$4000.00} a Month later I was in the process to refinance my loan when i was informed that the lender placed a 30 day late on my XX/XX/2020 payment. I quickly notified the lender and spoke to several individuals representing SLS. They stated the funds for some unknown reason went into a ( Unapplied funds account ) which they also admitted was not normal and was indeed an error on their part. They said they would place a ticket to the credit Bureau to have this removed. As of today XX/XX/2020 this not only has not been removed they added my payment for XX/XX/2020 as a 30 day late. My account indicates that both these amounts went into a Unapplied account and not giving me credit were credit is due and I am now getting penalized for their mistakes. I am asking you to look into this matter, I have documents from both my account with SLS and bank statements that prove my payments were not 30 days late. I have also heard from friends that they experienced the same type of experience with this same Lender.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This pertains to my preiously filed case XXXX. I leaarned today that the status of the fraudulent account has been changed to " charge off ''. This caused me to be denied credit by XXXX XXXX XXXX Bank for a new XXXX XXXX. I also received an updated report on my previous dispute filed with TransUnion showing the status change to " charge off '' stating it was sold to another lender. This report ALSO showed that while the fraudulent account was opened XX/XX/2022 that the last payment received was XX/XX/2022. I would like to add to my previous document request that they provide a copy of any and all payments on this account as they were not made by me and it might shed some light on to who applied for and obtained credit in my name.
Consumer complaint received 2020-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Reached out to property manager over a year ago on three different occasions and was advised I would not be responsible for this account or any debt owed to this creditor as I've never resided at the address associated with this account.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PlusFour, Inc (NV)

I fully paid an amount owed to XXXX XXXX, XXXX NV. However, this past week in the month of XXXX, 2020, my credit report alerted that I have a collection notice from PlusFour Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NV for {$10.00}. I contacted PlusFour on Monday XX/XX/2020 and spoke with a Rep who indicated that I have to send bank records of full payment. I indicated to them that they should verify payment but they indicated I needed to verify. I did and contacted them by phone but they didnt answer. I then contacted XXXX XXXX who verified that I had made full payment in XX/XX/2020.
Consumer complaint received 2020-04-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (AZ)

I called Title Max today to negotiate a new payment arrangement. I have been unable to pay on this loan for a few months. We have been struggling financially for several months. I tried to offer {$25.00} each week ( this is all I can afford ). She declined to take any payment from me and asked me to pay my normal amount {$700.00}. She stated there is no collection agency attached to this and they are handling it. She confirmed 2xs that she is REFUSING take any payment on my account. All I want to do is start paying something again.
Consumer complaint received 2023-01-06
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. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS AND INQUIRIES. PLEASE BLOCK AND REMOVE IT.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Merchants Adjustment Service, Inc. (MS)

I RECEIVE MY CREDIT REPORT AND NOTICE A ITEM THAT I DIDN'T RECOGNIZED..IT WAS MERCHANT ADJUSTMENT SERVICE THAT IS TAKING MY INFORMATION AND SHARING IT WITH OTHERS.IT VIOLATES THE HIPPA LAW PLUS I REQUESTED THAT THEY VERIFY THE ACCOUNT IN QUESTION.I HAVE A COPY OF THE LETTER ATTACHED ASKING THEM SOME VALUABLE INFORMATION BECAUSE ITS CAUSING ME GRIEF DURING THIS TIME OF SUFFERING
Consumer complaint received 2020-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (NH)

I found Americollect on my credit report and asked them what bill it was for and they told me XXXX NH XXXX. I called XXXX NH XXXX XXXX department to find out if it was legitimate and they said~ no bill of mine had been sent to collections. I then called Americollect back, as instructed by XXXX and told them what they told me and they spoke over me and were totally rude and wouldn't allow me to talk. When I was finally transfered to someone who half way listened, they told me XXXX would have to tell them the debt didn't exist, before they would remove it from my credit report. XXXX had told me they would call them after doing a deep investigation. It doesn't seem right to be crucified first and then check later. They should have to remove it until they prove there is an existing bill.
Consumer complaint received 2020-04-15
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$7500.00} XXXX XXXX  XXXX {$100.00}
Consumer complaint received 2020-04-15
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 — Investigation took more than 30 days
Company: LoanCare, LLC (NJ)

Our mortgage service provider has not been reporting our on-time payments on our existing mortgage account and is reporting this account as " discharged through chap. XXXX bankruptcy '' instead of reporting it " paid as agreed ''. Two separate disputes were filed with XXXX  and they refuse to correct the reporting.
Consumer complaint received 2020-04-15
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$250.00} XXXX   XXXX {$2000.00}
Consumer complaint received 2020-04-15
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$250.00} XXXX   XXXX {$2000.00}
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX  Opened XXXX {$390.00} XXXX XXXX XXXX Opened XXXX {$420.00XXXX XXXX XXXX XXXX Opened XXXX {$700.00XXXX XXXX XXXX XXXX Opened XXXX {$710.00} XXXX Opened XXXX {$840.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

I was a student at XXXX XXXX XXXX. In 2016, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions.
Consumer complaint received 2020-04-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC (MD)

I wanted to report this suspicious lender I found via XXXX. They have XXXX star rating in XXXX and it looks like they didn't post my XXXX Star review. 

Story : I found the lender named XXXX from XXXX and though it was legit lender to get my VA XXXX loan refinanced. They offered me 0.75 % Interest rate while my current interest rates are XXXX. I did not know about the 0.5 % IRRRL rule until my current lender XXXX called me and told me about it. By this time, I had already completed application, me and my wife 's credit was run and I had already submitted all the documentation to this lender named XXXX XXXX. After I found out about the 0.5 % rule, I asked him why he locked me at 2.75 % rate while its not at least 0.5 % less than my existing rate and how was he going to get this approved from VA, his answer was " His system was showing everything fine and our credit was good enough to bring the rate to XXXX if necessary ''. I asked him if he can lock my rate at XXXX, he said he couldn't. 

Moral : He knew that this was not going to get approved before I even put the application and he didn't tell me. 

Please make other veterans aware of the lenders like this and don't process anything that comes from this lender for me.