davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

XX/XX/XXXX : logged into XXXX account and saw note that my " IDR recertification expired over 90 days ago ; we needed more information but did not hear back from you. '' 1-I submitted it less than 90 days ago, had allowed linkage to IRS database, and received no notification of needing more information. Further, I have been in regular contact with customer service since XX/XX/XXXX asking why my monthly payment increased by {$200.00} and why my PSLF qualifying payments are inaccurate. I was told several times ( and have emails to document ) that my income had increased ( even though I still make $ XXXX gross ). I was told several times to resubmit my ECF forms. I have resubmitted countless times and have fax receipts to prove it. I have been working in 501c3 nonprofits ( XXXX ) since XX/XX/XXXX and have been on an IDR plan since XX/XX/XXXX.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (FL)

I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX XXXX had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.
Consumer complaint received 2021-12-09
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. (FL)

XXXX and XXXX XXXX DEROGATORY ON CONSUMER CREDIT OF XXXX XXXX, 15 u.s.c. 1681a and 15 USC 1681 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CONSUMER REPORT 15 u.s.c. 1681a and 15 USC 1681 VIOLATIONS, DELETIONS TO CONSUMER REPORT Reporting Utilization is illegal ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice 15 USC 1692 K and 1640 Civil liability. Delete from consumer report immediately.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-09-26
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. (PA)

Greetings I have initiated a dispute with EQUIFAX to remove an unauthorized Inquiry they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my EQUIFAX credit report. 

Reporting Inquiry : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2018-09-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (NJ)

My car was vandalized through XXXX XXXX XXXX, the car is completely inoperable and I am in the midst of court proceedings. The vehicle was towed, dragged and dropped repeatedly by them. The gas diesel is ruined and they picked up the vehicle when I was about to go to court. The original price was XXXX not XXXX. 
This one particular XXXX male was probably upset that I picked a XXXX car he sold me the car to ruin my credit. I am only three years into the loan, I have XXXX and I need to have the loan reinstated for some of the amount that I am past due. The price of the car which is now a lemon is over priced. The price of the vehicle is {$720.00} per month. I am only three years into the loan and the reinstatement cost is too high. I was almost XXXX. I was actually XXXX and held at XXXX XXXX. I need a new reinstatement of my loan at a lower price. The vehicle is no longer worth {$30000.00}. It has been damaged and is inoperable, why should I have to pay {$30000.00}.?
Consumer complaint received 2021-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

My issue is with the overall lack information provided to me by my student loan servicer back in XXXX, when the Public Service Loan Forgiveness ( PSLF ) was created. At that time, I believe it was Navient. However, it changed several times so I'd have to do more research. Reason I discuss lack of information is that many times I spoke to my loan servicer ( s ), not one time was it mentioned to me about the PSLF program, and what was needed to qualify. Rather, because I had just started to work for a qualifying job ( Government employee ), my income was low so I discussed options with the loan servicer. Their recommendation, every single time, was to place my loan in deferment until my income increased to afford the payment. I wasn't even provided the option to discuss Income Based Repayment ( IBR ) plan to at least see if I can have a more manageable payment. Thus, for well over 5 plus years, my student loans stayed in deferrment under advisement from my loan servicers. The end result, up to now, was my loan doubled due to capitalized interest ( went from appx. $ XXXX to $ XXXX ) when I finally received information from XXXX about the PLSF and IBR and commenced making payments. Up to now, I've made XXXX qualifying payments. But, if I would have been informed of this long ago, I would've qualified for a more affordable payment under XXXX, commenced making payments to go towards the PSLF required XXXX payments, and avoided a substantial portion of my loan from capitalizing interest to principal. Now that it's been close to XXXX  years since I commenced having to pay my student loan, my payments are much higher, even under the IBR, due to my income increasing over the year. However, although my income is higher, the larger payments are still a substantial burden. Again, had I been informed of these options back in XXXX, I would have been better informed, wisely, to make payments. Now, with no forbearance ending in XX/XX/XXXX, payments commencing XX/XX/XXXX, I will have a higher payment. What are my options, if any, as I will be in debt until XXXX to forgive my loan under the PLSF. That would be XXXX  years after I graduated!
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (PA)

I have a Chime account and have use Chime 's referral program to make referrals to my friends for opening their new Chime accounts. I know for sure that so far 6 of my friends have opened their Chime accounts and also have made at least {$200.00} direct deposit ( each person ) into their Chime accounts. Based on Chime 's referral program, I should receive {$100.00} referral bonus per person and so I should have received at least {$600.00} referral bonus now. However, so far I have only received total {$300.00} referral bonus. I reported this missing referral bonus issue to Chime customer service, but this issue has not been resolved yet. 

I request Chime to post the missing {$300.00} referral bonus to my Chime account immediately without any further delay. For Chime 's info, one of my referred friends is XXXX XXXX XXXX name ) and his email address is XXXX Again, I request Chime to post the missing {$300.00} referral bonus to my Chime account immediately without any further delay.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

in accordance with the Fair Credit Reporting act 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 ( US DEPT OF EDXXXX ) .... 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 2021-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (PA)

AmeriCollect Inc added multiple medical debts to my credit report. 
Amount {$100.00}, {$130.00}, {$160.00}, and {$230.00}. 

On XXXX XXXX i sent AmeriCollect Inc a certified letter return receipt requested. AmeriCollect has not validated any debt with the original contract with my signature, also they have violated my consumer rights and have no permissible purpose.
Consumer complaint received 2016-02-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I have been getting charged {$36.00} for NSF OD fee by Regions bank in the amount of {$250.00} in the last month from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I called them and they stated that I opted in however I never did this. If I had a XXXX balance I should have been declined however the bank stated that they would cover transactions up to {$500.00} and for ever charge with insufficient funds they would charge me {$36.00}. I stated I never signed or agreed to an opt in and they wo n't refund me back.
Consumer complaint received 2022-06-14
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: GOLDMAN SACHS BANK USA (MD)

In XXXX of XXXX, two pending charges ( credit pre-authorizations ) were placed against my Goldman Sachs ( Apple ) Mastercard. The purchases were never made from XXXX XXXX ( an XXXX XXXX XXXX XXXX XXXX placed in an on-line shopping basket ) and the pending changes have remained against my GS Mastercard account ever since, thereby decreasing my available credit line ( buying power ), since XX/XX/XXXX. I have called Goldman Sachs three times since XX/XX/XXXX ( hour long calls with several GS transfers where I had to recount the problem each time ) and have been told each time that the pending changes will be removed from the account and will be cleared on their end after 90 days or " two billing cycles ''. I have communicated with Goldman Sachs after each 90 day period and re-shared that the changes have not fallen off my account and that my credit line is still reduced by > {$1000.00} because the pending charges are still associated with the Mastercard account. Today ( XX/XX/XXXX ) I again called Goldman Sachs but included a representative from XXXX XXXX accounting/sales/disputes on the call ( 3-way call which was recorded by GS ). Apple confirmed on the call that there are no pending sales/charges from me since XX/XX/XXXX which should still be pending " installment '' charges or any other " unprocessed changes '' or financial holds. Apple further confirmed that in XX/XX/XXXX, I did indeed buy only one XXXX XXXX  but the second charge for an additional XXXX  XXXX and the third charge for XXXX XXXX  were purchases that were never made/completed. I am just sick and tired of Goldman saying they are going to fix/drop these pending charges for about 1 year and nothing happens. GS could not provide me with a dispute tracking number nor any other tracking or complaint number so that this matter may be documented since XX/XX/XXXX. 
This is not an Apple issue/problem and that is why I had a 3-way call with Goldman so all parties were able to state their position. This is a GS banking and poor accounting problem for consumer credit card accounts which GS just does not seem to be able to fix when I call their support representatives on the phone. Ideally a credit card pending charge is supposed to " fall-off '' an account in a reasonable timeframe ( 48 hours?, 30-60 days? ) but Goldman Sachs can not not get this done in > 11 months ... after several phone calls alerting GS to the problem.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

On XX/XX/2019 we were informed via letter that our escrow account was short. And that we would have to pay {$1300.00} by XXXX or our monthly mortgage payment would go up. In the letter there was a summery of our payment history and projections. We only pay Hazard Ins, Water/Sewer and County Tax. On the projection page they had a charge I was not familiar with, Ground Rent for {$1300.00}. When I called PHH Mortgage and questioned them about the new charge no one seemed to know what it was for and recommended I call my County Tax Assessor. The County Tax Assessor confirmed that the charge for Ground Rent was not correct and they had never seen a Mortgage company charge for that before. I called PHH back again to see if I could get more info on the charge and they said there is nothing they can do, and I should get an attorney. 
Im getting bullied by my mortgage company and there seems that there is nothing I can do but pay an attorney and sue them! 

***RESPA Section 10 violation for sure!!!
Consumer complaint received 2022-05-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CT)

My loan with Hyundai Motor Finance was paid off in XX/XX/2020. Unbeknownst to me, they never released my title. I have put in numerous requests for my title to be released. Every representative gives me the same story. There is no direct communication access to their title department. I can not receive my title or a release of lien letter. 

This has caused a great hardship to me. I am trying to sell my vehicle but can not. I was literally in the middle of a transaction of a {$16000.00} transaction that fell through because I can not get access to my title. This 2 year delay is inexcusable. 


I am desperately asking for someone to expedite my matter and provide me with a release of lien letter.
Consumer complaint received 2021-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABC Credit & Recovery Services Inc. (IL)

I'm a QMB [ Qualified Medicare Beneficiary ]. Under federal law, a Medicare provider can not collect my Medicare premiums, deductibles, coinsurance, or copayments. This is true whether it's Original Medicare or a Medicare Advantage plan. I'm in a low-income situation for Medicare. So there apparently is some confusion about how billing is supposed to work. I'm not supposed to be billed by providers under this program. So, I've consistently received bills and was confused as to why. So I reached out to Medicare and they pointed me here to get assistance. I have various dates and collection companies seeking to settle accounts that I shouldn't have been billed for.
Consumer complaint received 2018-09-26
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: Weltman, Weinberg & Reis Co., L.P.A. (MI)

On XX/XX/2018 Weltman Weinberg & Reis reported to the Credit Repository Agencies that I opened an account with its entity on XX/XX/2018 in the amount of {$15000.00}. 

I have not ever contracted any business with this company. I have not ever received any consideration from this company. I have not ever signed any agreements with this company. 

I believe that this company is committing an act of fraud with knowingly placing invalid information of my personal credit profile. This company has violated Title 15 USC 1681s-2 ( a ) ( 1 ).
Consumer complaint received 2016-12-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (AK)

Got notice that there was new claims on my credit report so I looked and there 's one from Midwest recovery and they reported it twice and it on there twice so it shows I owe {$880.00} dollars twice for the same dept and my credit score took a huge hit from XXXX to XXXX and no information on dept or any notice at all and another from XXXX for XXXX and that 's paid as of 9 months ago and still remains in my credit
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MN)

I am victim of ID THEFT from the significant data breaches that occured during the last several years. Fraud Inquiries from my report appear on credit even tho I had a security freeze on the report. 
XXXX XXXX XXXX on XX/XX/2023 XXXX Inquired on XX/XX/2023
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX XXXXXXXX had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I am writing today in regards to my account with Fifth Third Bank Account # XXXX. The reason for writing today is in regards to a late payment which is showing on my report in XX/XX/2020. As you are aware that is during the pandemic which was declared by FEMA an the CARES ACT was passed to assist consumers who were struggling. Due to XXXX I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2021-12-09
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.