davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIERRA PACIFIC MORTGAGE (CA)

Have be working with Sierra Pacific Mortgage on assuming an existing mortgage for over a year. I found out today that I was not talking to Sierra Pacific Mortgage directly but to a loan serving company for them. XX/XX/2019 and XX/XX/2019 sent loan package to " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX ''. Their Corporate offices are in XXXX, CA XXXX that I found out today. I applied twice to the XXXX XXXX address and was charge a {$900.00} ea time to assume the existing loan and was denied both times. I called the corporate office today to see if a refi of the loan will be a better option and explained my experience with their Special loan dept about the assumption. That is when I found out that no Sierra Pacific loans are assumable and they do not have a Special loan dept. For a hole year I was talking to? Have all the documentation, was told after I assume the loan It would not be assumable again.
Consumer complaint received 2024-02-21
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. (PA)

My name is XXXX XXXX XXXX and I recently notice that I have several Fraudulent accounts reporting on my credit report. I was denied credit due to these inaccuracies. Please see attached documentation. These accounts do not belong to me. And this is not a third party submitting this filing.
Consumer complaint received 2023-02-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (TX)

In late XX/XX/XXXX, I noticed that " AssetCare LLC '' had charged my credit in the amount of {$1400.00} 3 separate times, claiming that they had received this from XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. I have not been in XXXX XXXX  for the past 2 years. I graduated in XXXX and left for work in XXXX. After explaining that I did not have a medical visit in the month of XXXX, nor have I visited a hospital since XXXX ; I found this odd. I commented and asked for an itemized bill from the hospital for whatever they were charging me, and the woman replied, " You will need to pay us directly. You have debt with us. '' As I do not have a debt with a company called AssetCare LLC, I reached out to the hospital and they informed me that they did not have on record any medical debt in my name, nor were they allowed to share my information with the AssetCare LLC organization per HIPPA ; and if the company claimed otherwise it was a default scam. 

So, now, after consulting with a medical law professional and my mother, who is also a lawyer, I was instructed to file a complaint I have filed one with XXXX XXXX as well for this as it is a violation of the Fair Credit Report and breaks HIPPA guidelines.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have noticed unauthorized items appeared in my report. So, I am requesting that you delete this ACCOUNT from my credit report immediately. Sent them a letter last XX/XX/2022 regarding it but I haven't received any response from them. It has more than 30 days from that date. This is a total inconvenience to me and caused a lot of stress on my part. Also I felt I am being taken advantage and ignored.
Consumer complaint received 2023-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

I made a request with Nelnet back in XX/XX/2022 to receive a refund of all payments that I made during the pandemic, a total of {$5900.00}. I have called Nelnet multiple times to check on the status of this refund, of which I have only received a single check for {$1.00}. I have been waiting approx 6 months and getting vague responses with no genuine concern for the delay. I have also XXXX emails that are just copy/pasted with the same vague and unhelpful response. Beyond that... nothing. I do not feel that they are concerned with my request and I'm incredibly frustrated. 

Nelnet has records of these payments. I even had customer service check their records on the total I am owed just to confirm -- so they are fully aware of how much I am to be refunded and how long it's been taking. 

I was told that my refund request would be passed on to a supervisor but unfortunately have still seen no " escalation ''. I have decided to make a formal complaint as I feel I've waited patiently for far longer than I was promised ( initially XXXX weeks, but now I've waited for 20+ weeks! ) and I am desperate for results. Half a year for a refund does not seem acceptable whatsoever.
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This involves my Kohl 's credit card. I have paid my balance in full and interest fees. I was told by Kohl 's my late fee would be waived but it has not and more late fees have been added. Kohl 's has now turned the balance over to debt collection and I am being called at least daily.
Consumer complaint received 2019-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a bank account that I don't use very much. Aside from the monthly {$16.00} service charge Bank of America charges me monthly. I don't keep much money in that account and there has been a few XXXX dollar and XXXX dollar charges that went againts the account when the account had insufficient funds. The bank did not pay those charges for me, but is charging me {$35.00} fees for them. Each one of them, most of my charges are less than {$10.00} but they charge me a {$35.00}. This year they have charged me {$980.00} dollars in fees on less than {$150.00} dollars of charges with low funds. Most of the fees have been because the bank credit my account with money late or waits for my account to be low of funds then all the charges hit at once, almost as if they are doing it on purpose.
Consumer complaint received 2019-12-06
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. (NV)

I just started montering my credit and I see that the credit bureaus are inaccurately reporting data about me. Experian has my name listed incorrectly 30times. I have tried disputing with Experian has been refused the right to dispute how my name is reported with them. 

I am very disappointed that these credit bureaus are able to get away with inaccurately reporting data about a consumer. I have been denied credit time after time and I never understood why and now I see why There are several student loan showing up on my report that I NEVER opened. My credit file contains inaccurate addresses to which I have never resided at and this is unethical. 

I am asking that the CFPB steps in and makes sure the credit bureaus does whats right under law
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

XXXX XXXX XXXX purchased as a debt buyer an HSBC account XXXX which was already in default but agreed by HSBC not to be my debt due to Identity Theft. Unfortunately in XX/XX/2013 XXXX XXXX took the position that they acquired this account and started a brand new collection action. I have notified XXXX XXXX within 30 days that this was not my debt and requested validation. In addition I requested : 1 -- validation of the debt balance ; 2 -- the date this account first went into default ; 3 -- the date of very last payment received ; 4-the name and address of the original creditor who charged off this account and the date when this creditor purchased this account ; 5 -- the original application and file evidencing my signature that this was my debt.Since I never received full and detailed answers for these 5 questions, I am hereby demanding such detailed validation again.
Consumer complaint received 2019-12-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

On beginning of XX/XX/2019, I started my mortgage refinancing using the IRRRL benefit. I was told by the loan agent that I should hold my payment until the refinancing was completed. XX/XX/2019 I was contacted by a loan agent explaining that in order to move forward with the refinancing I needed to make a payment for the month of XXXX. I explained to that I will be able to make the payment by first week of XXXX. I proceed with the payment, I called pennymac to follow up and I was told that the refinancing was closed due to late payment. Several occasions I explained that the only reason I was late was because of their initial instructions hold the payments until the refinancing was completed. Until todays date they refuse to complete my refinancing nor start any application.
Consumer complaint received 2022-09-30
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 informed this credit reporting agency that I am a victim of Identity Theft as early as XXXX. I have provided my FTC report and police report from local authorities. I have subsequently notified this bureau of misreporting on my credit profile. I have utilized the bureau 's dispute process to address these accounts, to no avail. Most recently, I disputed two accounts ( XXXX XXXX and XXXX XXXX ) on XX/XX/XXXX. The bureau returned dispute results stating that derogatory account XXXX XXXX did not belong to me and was subsequently removed from my credit profile. This account was reported as fraudulent in XXXX. It remained on my credit profile and disadvantaged me for three years.

This bureau determined that the credit account CAPITAL ONE belongs to me and was validated. The bureau failed to provide me with this validation, per my request. If this is being verified by eOscar, please be advised that this is not a proper or thorough investigation per the FCRA. 

Additionally, I have alerted this bureau that this account has not been verified ( and therefore was removed ) by other bureaus. This agency now has actual and constructive notice of derogatory accounts on my credit profile, yet has not removed them. Lastly, this bureau has reason to know that derogatory information on a credit profile is detrimental and harmful to me as a consumer. 

This bureau has violated the FCRA and my rights as a consumer since XXXX. I have submitted a Demand for Relief to this bureau via USPS Certified Mail on XX/XX/XXXX demanding action and relief based on violations of 15 USC 1681. I have attached a copy here for your convenience.
Consumer complaint received 2019-12-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019 I rented a vehicle from XXXX XXXX XXXX and used my Capital One credit card for deposit only as used an unrelated card for payment. I returned the vehicle on XX/XX/2019 with not further payment required. The initial deposit went away and was no longer pending on Capital One card. 
On XX/XX/2019 I received and email from Capital One stating that a charge from XXXX XXXX  in the amount of {$3000.00} was declined. My card limit is only {$300.00} as I'm establishing my credit. However, on XX/XX/2019 Capital On allowed a charge in the amount of {$2200.00} from XXXX XXXX. I made a dispute and a temporary credit was given. I was then rebilled for {$2200.00} on XX/XX/2019. I have continued to dispute and even sent written letter as requested by Capital One but have been told that XXXX XXXX sent them a bill stating vehicle was not returned until XX/XX/2019 at a location about XXXX miles from my home and original pick up/drop off location. I even tried disputing with XXXX XXXX with no luck since I have misplaced receipt. 
This has cause me to have a balance of {$2800.00} after continued interest fees. I believe this has become a fraudulent transactions and Capital One should never have allowed such a large transaction to go through with a low credit limit in card. Also the fact that 2 different amount were attempted should have been a red flag.
Consumer complaint received 2019-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am disputing the collections balance of {$1400.00} under Midland Credit Management , Inc. MCM Account Number XXXX. Midland 's letter states the original creditor was XXXX , XXXX . The XXXX  XXXX  Consumer Account Number XXXX, however, I personally contacted XXXX XXXX  and XXXX XXXX and they stated they did not recognize the account numbers provided by Midland. This balance is a result of identity theft. I have reports from credit agencies with proof of multiple addresses, credit cards, and intents to use my identity to sign up for services, which can be provided to CFPB upon request. I have made multiple attempts to contact the Midland to obtain more information, such as purchase receipt, but they have been unwilling to provide it. Any time I call Midland, they are threatening and unwilling to provide further information unless I provide personal information, such as SSN and payment information, which is not recommended. I sent Midland, their lawyers XXXX XXXX  XXXX XXXX XXXX XXXX, and credit agencies an FTC Report via certified mail indicating I am an identify theft victim and requesting them to remove the balance. The FTC Report Number is XXXX. I obtained confirmation from USPS that it was received and signed by Midland, XXXX and the credit agencies, yet both Midland and XXXX mailed my letter back days later. I have attached the signature confirmations from all companies and dates in which they were received. I also have copies of the signatures which I may provide if requested. To this day, I have not received any response from them regarding the FTC Report I shared.
Consumer complaint received 2019-08-06
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: EQUIFAX, INC. (TX)

I believe the reporting bureaus are in collusion and are treating people very unfairly that is damaging their credit. I have a lot on my credit and it is very old over 10 years I took out this loan over 5 years ago and made every single payment. I just paid the last payment of this car loan and the bank closed the account. These bureaus drop my credit -27 points for that even tho I have plenty of other accounts all in good standings. It is criminal what these bureaus are doing to people and it needs to be regulated and stopped. I cant even go get a new car now because the interest will be extremely high.
Consumer complaint received 2023-02-03
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. (IL)

After reviewing my credit report I noticed NUMEROUS of INQUIRIES that I did NOT authorize. I was victimized by identity theft. Below is the fraudulent accounts that do not belong to me and I am requesting that these inquires be IMMEDIATLY & PERMANTELY removed -- -- XXXX XXXXXXXX XXXX InquireXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 *XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX XXXX NA Inquired on XX/XX/2022 XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX  Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX BANK NA Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX CARD Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX DC Inquired on XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  The above inquiries was NOT authorized ... These are not mine. I am a victim of ID Theft and I have included a FTC report. Please investigate and remove from my credit report. -- ----
Consumer complaint received 2019-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LTD Financial Services, L.P. (AZ)

I left my apartment on XX/XX/XXXX. 
It is the XXXX XXXX  located on XXXX XXXX and XXXX. When I left for the walk through the property manager XXXX  I believe her name is, told me that we were square and if there was anything else needed I would be contacted by her. At that point I left her my forwarding address and we parted ways. I never once received email, phone call, or letter stating anything about owing money, since I left, the only time we spoke was when I called her to see what was going on. And she had no information for me. Several months later I received a letter from LTD financial services in XXXX Texas, stating that I had a outstanding balance of {$2000.00}. When I called The apartment complex to figure out what was going on, The property manager ( XXXX ) claimed that they sent a letter to my forwarding address and that it was returned so they sold my debt. Well knowing she had me and my fathers emails and phone numbers but neglected to contact either of us before sending it to collections. on the phone she started failed to maintain her story and reasoning for sending it off and not getting in contact with me or my father. LTD financial services contacted me through a letter. in the mailed letter they said unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. I received the letter XX/XX/XXXX, and the charges were sent to the credit bureau on XX/XX/XXXX. The letter was stamped XX/XX/XXXX. Even if I received the letter the day it was sent it still wasnt a 30 day period before they sent this to the credit bureaus ( please see attachment A1 for letter and dates from LTD financial services ). Even though the debt is fraudulent I still would have made an attempt but LTD waited less than two weeks before reporting it to the bureaus. XXXX intentionally didnt make any real attempt to reach out and instead knowingly sold false debt to a collections agency, and damaged my credit.
Consumer complaint received 2019-12-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Stone Higgs & Drexler (TN)

purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX in XXXX. As soon as I rolled off the lot I begin to have mechanical issues. I had to replace the ignition switch, the timing belt and the water pump. The AC & heat also was not properly functioning. I contact the dealership numerous times explaining the situation. I spoke with XXXX the supervisor and was informed that if I could bring the car back and wouldn't be responsible to it anymore. I not to knowledgeable about this process. However I feel that I was deceived and taken advantage of regarding the purchase of the car. I return the car and was notified about the balance after I was told I could just return the car and that would be it. My wife was ill and recently died- it was difficult for me to get to work with all the mechanical issues.A judgement was filed in the amount of {$6000.00} including court cost. The blue book value of the car is $ XXXX {$1800.00}. I am not negating my responsibility however I don't think it's right or fair after I had been lied and still responsible to a lemon.This account was turned over to Stone Higgs & Drexler XXXX and they refused to assist me with reducing the debt and making payment arrangements.