davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

I currently work as a XXXX  and am working my way towards the ten years of Public Service Loan Forgiveness. I had been making payments steadily. While I was attending school for my XXXX XXXX XXXX, FedLoan servicing automatically put my loans in deferment. This is normal procedure, but then my payments don't count toward pslf. I requested that they not put my Ioans deferment for future semesters, and they said that they had put it on my account so they wouldn't do that. 

They did it again the next semester, and then again the semester after that. When they removed the deferment, they put my loan in 'paid ahead ' status, even though it wasn't. This caused five of my payments to not count towards the pslf program. They entirely admitted it was their fault and that they would correct their error. 

I submitted a review in XXXX. That review took over a year to complete and they did not correct their errors. I submitted a second review in XXXX of XXXX, upon recommendation from a FedLoan servicing employee. I was told this review would take three months to complete. I called back in three months. I was told it would take another three months. I just received the completed review after almost 2 years of struggling with them, and it still is not counting the payments I made during the time of company 's error. 

FedLoan servicing has said on many occasions this was their error and they would fix it. This makes a difference in thousands of dollars for my loans.
Consumer complaint received 2023-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (NY)

In XXXX XXXX  2022 I purchase a XXXX XXXX from XXXX XXXX in XXXX XXXXIn which they required me to make a down payment of {$4000.00} USD as a requirement to get the loan. Also they required me to get insurance in which the insurance was suppose to be included in the finance charge.As the original creditor of the said funds the car was paid from the day I issued them my credit card ie ( my social security Card ). However they reprocessed the car.Based on the Illegal activity and federal violations stated above the contract was void from the day I entered into the agreement.I also never gave them permission to sell the note I signed or report my private information to any third party such as the bank SANTANDER CONSUMER USA or the tow company that illegally towed my vehicle without consent.Based on all the violations stated above.I as the consumer have a right to privacy and also would like to hold them criminally and civically liable for identity theft as they did not have permission to use my signature in that manner.As the consumer I would like a total refund of all monies for my car, also I want to be compensated for each FRCA violation that occurred.I also resend my signature on all instruments used in said transaction.I also authorize you to do whatever it takes to get me justice for the crimes that have been committed by these corporations.
Consumer complaint received 2020-03-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (OH)

XX/XX/XXXX I loaned a vehicle from Honda Financial Services. 
In XX/XX/XXXX I became homeless and job less but was able to make my payments until XX/XX/XXXX. 
I spoke to HFS about it and they told me my repercussions but that it was better to pay something than nothing. 
XX/XX/XXXX I recieved a large lump sum payment and called to pay off XXXX. They refused the payment and said it was seriously delinquent which is why my online portal was shut down. I also updated them with my new address. 
XX/XX/XXXX They had repossessed my vehicle XX/XX/XXXX I called the company to make a payment or find out whats next and the person I spoke to refused to give any info, they said whatever I would need to be done on my part I would receive in the mail. I made sure they had my updated address again. 
In XXXX or XXXX I called again because I was going to file bankruptcy over this situation alone and they had told me the vehicle was sold. They gave no info including the date of auction, where, how much the amount owed or anything. 

I have disputed this on my credit report several times due to the it is showing different dates, one month it will say I made payments on these months, the next time some of those months are labeled as 30/60 days late. I never made a late payment until XXXX of XXXX. 

After calling and calling I finally sent two certified letters in the summer of XXXX, they did not respond to the first but had responded to the second, with backdated paperwork via mail with all the information that should had been given 5 and 10 days after reposession. It also states an address Ive never lived at XXXX XXXX now has been added to my credit report. 
The certified letter had stated about the deficiency in the state of Ohio and the time frame they have regarding a repossession. 

I again disputed it recently, to which they had updated every month from XXXX until XXXX of XXXX as being late and charged off. This has caused my credit score to drop and the negative item has stopped me from purchasing a home. 

To summarize, not only did they refuse my payment pleas, they violated Ohio State law and reported inaccurate information on my credit report as they did with several others in a lawsuit in Massachusetts.
Consumer complaint received 2023-05-25
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. (NC)

My attempts to correct some issues on my report have been unsuccessful. I'm asking you to check into this situation because the FCRA mandates that you do so. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

I sold a car on XXXX. Received payment through cashiers check for {$2500.00}. I deposited the check through the mobile application on Monday XX/XX/20 and the funds all cleared within 36hours. Shortly after the funds cleared and I began to close the sale, the buyer called to back out of the sale citing family turmoil XX/XX/20. I was pressured into sending the funds via XXXX/XXXX XXXX. I didnt think anything about it because my bank cleared the funds. I made three transfers on Wednesday the XXXX : 1. XXXX {$500.00}, 2. XXXX {$1500.00}, 3. XXXX {$500.00}. After I returned the money, my checking account reflected the normal amount before the check had been deposited. Thursday the XXXX I went to buy food and my debit card was declined. I called the bank and was notified that the check I deposited was reported stolen and that the funds would be replaced. On Friday XX/XX/XXXX, my direct deposit from work came in and my account was still negative. I called Citibank and they notified me that I would be responsible for the fraudulent funds I transferred out and that they are not responsible for any checks deposited. I argued that I did not know that the check was fraudulent and that the funds cleared in my account. Furthermore, I would not have authorized the transfers through XXXX/XXXX  had I known that the funds were fraudulent. I spoke to several supervisors and they all told me that because I authorized the transfers from my account that I was solely responsible for the fraud and that they would not be able to credit my account for the stolen funds. They said that the check was cleared at first in good faith, and only after the return transfers were made was when the check was flagged as stolen. I am left to assume the risk and liability of the entire thing. I filed a police report and also contacted the federal trade commission.
Consumer complaint received 2023-05-25
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. (CT)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-13
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)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc. (CO)

On XX/XX/XXXX, I received a letter from a supposed attorney working for Professional Finance Company. He only identified himself as XXXX XXXX. There is no law firm contact information at all. He only suggested me to call Professional Finance Company to pay the alleged debt. He threatened to take legal action on this matter and seek judgment against me. 

He states that he will not initiate any legal action until I have exercise my rights ; which I did a year ago ( XXXX, XXXX ). I requested a validation of my debt ( a detail statement and a copy of the contract which bears my signature ) the only paperwork that I received was a copy of a statement which included the name of the " original creditor '', interest rate, interest accrued including fees and total amount due. 

I sent them a second letter stating that I needed more information on the debt and they kept sending me the same statement. PFC said it was all they needed to provide to collect the debt from me. Which I didn't agree and they reported me to the credit bureaus. To stop this misleading information, I decided not to fight it with them nor the credit bureaus. 

After a year ( XXXX, XXXX ), they threaten me to take legal action against me but they keep sending me the same statement but now with a different account number.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

The amount of debt of {$4200.00} is not accurate. The company, Midland Funding LLC has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. This has negatively impacted my excellent credit rating.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (OH)

On XX/XX/XXXX XXXX I was notified of an unrecognized transaction on my Ally bank statement. 

Some one had use my card info on XXXX and charged my debit card {$400.00}. It did not happen from my actual XXXX account and I have no idea who got access to my card or how it even happened. 

Once I realized this happened I contacted my bank directly explaining the issue. I was told to file a dispute and that it would take 10 days to hear back. Yesterday I got the letter from my bank stating since it was a third party transaction I needed to reach out to XXXX regarding the situation. But when contacting XXXX, they told me to contact my bank. 

So no one seems to be held liable to this fraudulent charge meanwhile I am out {$400.00} and had to get an entire new bank card while this scammer gets to roam free with MY money. I don't understand how neither the bank nor XXXX is liable to protect me or my funds.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-12
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: CAINE & WEINER COMPANY, INC. (SC)

I was trying to buy a house and i realize i have damage on my report and according to the 15 USC 1681 law there should not be any damages on my report and it is a defamation to my character
Consumer complaint received 2020-03-07
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: FACTUAL DATA CORP. (NC)

I applied for a refinance with a XXXX XXXX XXXX  XXXX XXXX  through a loan officer, XXXX XXXX. After waiting for a decision on an approval, a few months afterwards, I noticed that my current home lender ( XXXX XXXX  ) had done a hard pull on my credit through Factual Data on XX/XX/2019, that I did not authorize. I mentioned this to XXXX since he was working on the refinance with a different bank. XXXX informed me that he had switched companies and pulled my credit with the new company. 

I did not authorize XXXX or XXXX XXXX to pull another credit report and process a refinance with that company. If I had known of the switch to a new company, I would not had authorized such a pull. To date, I have not signed any document authorizing XXXX to pull my credit or process any application for credit. 

I contacted XXXX and XXXX regarding the unauthorized pull and both directed me to contest it with the credit bureaus and it would be corrected. I contested the hard pulls with XXXX  and XXXX. I received a copy of an unsigned loan application from XXXX Consumer Assistance along with a notice regarding Identity theft. The unsigned loan application was apparently generated after my credit was pulled without my permission and has no bearing on whether I authorized a credit inquiry. To date, the inquiries have not been removed from the credit reports. 

This hard credit pull has impacted my credit score negatively and has limited my refinance option with other lenders.
Consumer complaint received 2023-05-25
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. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-12
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. (NV)

I have received inquiries from companies that I'm not aware of or was supposed to do a soft pull. 

Please see the disputed inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-07
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. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2023-06-09
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.