davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

In the very begining of the loan, the due dates were set for the XXXX of each month. 
here in XX/XX/2020 XXXX  shows two late payments witch is not correct, there have NOT been any lates. 
late payment fees added upon top of wrongful charge of being late initially is just wrong.
Consumer complaint received 2020-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

There are two companies : XXXX  XXXX XXXX XXXX XXXX I have never ever had a relationship with these two companies. 

I wrote XXXX, XXXX and Transunion and they continue to persist. I told them, I never had a relationship and I never signed any agreements with these companies. 

I sent my letters certified to the bureaus.
Consumer complaint received 2024-01-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX  XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed attached in the document. 
According to 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form knowing that such form would create a false belief in a consumer that a person is a creditor of the consumer or represents a creditor of the consumer, among other prohibited actions. 
Given the above, I believe these entries on my credit report may have resulted from deceptive practices or inaccuracies, and I request a thorough investigation into each of these items. Please validate the legitimacy of each entry and provide me with supporting documentation. If any of the aforementioned items can not be validated or are found to be reported in error or in violation of 15 U.S. Code 1692j, I respectfully request their immediate removal from my credit report. Additionally, please send me written confirmation once these items have been removed or updated.
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

My mortgage payment went up more than what I can afford because XXXX XXXX XXXX who initially processed my home did not prorate my taxes correctly even though they had the appraisal and even after I questioned the amount, they had vs the appraisal. 

My payment went from XXXX to over {$2500.00} a month. I have attached a letter and documents for your review. 

Thank you in advance. 

PS, issue started with XXXX XXXXXXXX XXXX and ends with Chase.
Consumer complaint received 2023-02-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

There were 3 partial payments made to Freedom Mortgage for the month of XXXX. One payment of {$980.00} was made on XX/XX/23. A payment of {$770.00} was made on XX/XX/23. On XX/XX/23, I was notified by XXXX XXXX  that my payment of {$770.00} was not successful. On XX/XX/23 I made another payment for {$770.00}. I, the consumer, was not aware that Freedom Mortgage was going to attempt to process the failed payment from XX/XX/23. On XX/XX/23, Freedom Mortgage retried the payment from XX/XX/23 and it was successful. Therefore, the entire payment for XXXX has been made and processed. On XX/XX/23, Freedom Mortgage attempted to process the second payment that was made on XX/XX/23 despite already having the full payment for XXXX. I contacted Freedom Mortgage and XXXX XXXX  about the issue. Freedom Mortgage verified my full payment for the month of XXXX had been made and the XXXX payment was not necessary. XXXX states they would put a stop payment on it and the money would be released back to my account. Freedom Mortgage stated they would put in a request to have the payment refunded if the payment was successful. The representative from this conversation DID NOT notate my account with this information. I called back after this conversation and asked to speak with a supervisor to have this information notated, and she as well DID NOT notate my account. Anyways, XXXX was successfully able to stop the payment and release the money back into my account. Freedom Mortgage processed a refund despite me already receiving payment from XXXX. By time Freedom realized they did not receive the second payment because the stop payment did not reflect in their system until 5-7 business days later, they took their money back from out of my XXXX payment and therefore making my XXXX payment delinquent. Freedom Mortgage did not notify me that they had processed a refund nor did they notify me that they took it out of my XXXX payment and now it was considered delinquent. It is not my fault that it takes their system 5-7 days to reflect the " stop payment '' by my bank had occurred and they did not have to process a refund. Furthermore, it is illegal to take back this refund from my XXXX payment made for my mortgage and making me delinquent. The additional payment do not have anything to do with my XXXX mortgage payment. Freedom Mortgage did not have the right. I have asked to see where I authorized for the second attempt on payment, I have not received it. I have asked can they provided documentation showing outreach attempts about them taking this refund out of my XXXX payment, Freedom Mortgage has not. I have asked Freedom Mortgage to show me where they made me aware that my status of my XXXX payment has changed, they did not. Freedom Mortgage was only concerned about getting the {$770.00} payment back that mistakenly made than being worried about the consumer. They were only concerned about fixing their mistake and in the process damaging the consumer.
Consumer complaint received 2022-02-24
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. (PA)

These inquiries are fraud and need to be removed immediately. I am a victim of identity theft and these need to be removed asap. I also filed a an FTC AFFADAVIT which I've included. Please remove these inquiries as they are now causing me substantial harm inconvenience as a consumer.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (FL)

I tried making a payment on this account multiple times last year and I could never access the system. The creditor could not pull up my information and when they found my name in their system the refuse to speak with me because they adviser the date of birth on file and social does not match what I provided to them verbally. This accout Has caused my credit to drop significantly and has also hindered with creditors. I would like this account removed from my credit reports The creditor is FORTIVA XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-01-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Freedom Mortgage Company (FL)

Pursuant to 18 U.S.C 8, I owe no debt. This company is violating by consumer rights to privacy pursuant to 15 U.S.C 1681b ( 2 ). Company has also NO permission to report ANYTHING using my information pursuant to 15 U.S.C 1681 ( 4 )
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

- Contacted the creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning the medical collections of my credit reports.

- Creditor responded that the information was accurate and valid per FDCPA. 
- However, the No Surprises Act requires healthcare providers to give a good faith estimate of medical expenses for individuals whose insurance didnt cover their care.

- Debt collection agencies are not supposed to report information about medical debts covered by the No Surprises Act. Doing so violates my rights under the Act.
Consumer complaint received 2024-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am not liable for this debt with XXXX XXXX XXXX, I don't have a contract with them. They did not provide me with the original contract, bearing my signature as requested. 

The other XXXX bureaus have removed this account from my credit report. 

This account is also past the California 4 year statue of limitation. 

I want this account deleted immediately from my credit report.
Consumer complaint received 2024-01-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (SC)

I am writing to file a complaint regarding the violation of my privacy rights by the third-party collection agency Diversified Adjustment Services . 

I previously opted out and revoked authorization for XXXX to share my personal information with third parties. Despite this, it appears Diversified Adjustment Services has obtained my protected personal information including Social Security Number, date of birth, name, and address from XXXX and used it without my consent to generate a consumer report. There is a collection account listed on my credit consumer credit report in the amount of {$870.00} listing XXXX XXXX as the original creditor.

I have never had any relationship or transactions with Diversified Adjustment Services. Under the Fair Credit Reporting Act 15 U.S.C. 1681b, consumer reports may only be prepared for specific permissible purposes, none of which apply in my case.

By procuring my personal information without authorization and generating a consumer report without my written consent Diversified Adjustment Services appears to be in violation of : - FCRA Section 1681b - impermissible purpose - FCRA Section 1681e ( a ) - failure to maintain reasonable procedures - 15 U.S.C. 6802 ( a ) - disclosure of private information without consent 18 U.S.C. 1028 ( a ) - unlawful transfer of identification document 18 USC 894- conspired to extort money unlawfully.
Consumer complaint received 2020-01-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2022-02-24
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (AR)

On XX/XX/23 I called to get my balance and past due amount and how many days. I was told that I was 12 days late and wouldnt be reported as late if payment of {$300.00} was made on XX/XX/23. On XX/XX/23 I was reported late. Ive called several times and has gotten the run around. They lied like the call would be pulled and that I would get a call back in 24-48 hours on several occasions. On XX/XX/23 I was told that the Credit Department sent paperwork to dispute this matter and as XXXX nothing has been mailed. They give the wrong information purposely to report you late and charge crazy amount of fees. This company was sued in XXXX of this year for the same reasons. This is absolutely ridiculous and due to their company constantly giving the incorrect information my credit score has been affected.
Consumer complaint received 2021-12-30
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. (PA)

I, XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries and accounts. Block and remove them. There was no consent, nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. INQUIRIES 1. XXXX XXXX via XXXX XXXX- XXXX 2. XXXX XXXX via XXXX XXXX- XXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX- XXXX 5. XXXX XXXX- XXXX 6. TRANSUNION CONSUMER INTE- XXXX 7. TRANSUNION CONSUMER INTE-  XXXX 8. TRANSUNION CONSUMER INTE- XXXX 9. TRANSUNION CONSUMER INTEXXXX XXXX 10. TRANSUNION CONSUMER INTE-  XXXX 11. TRANSUNION CONSUMER INTE-  XXXX 12. TRANSUNION CONSUMER INTE-  XXXX 13. TRANSUNION CONSUMER INTE- XXXX 14. TRANSUNION CONSUMER INTE- XXXX 15. TRANSUNION CONSUMER INTE- XXXX XXXX. TRANSUNION CONSUMER INTE- XXXX 17. TRANSUNION CONSUMER INTE- XXXX 18. TRANSUNION CONSUMER INTE- XXXX 19. TRANSUNION CONSUMER INTE- XXXX 20. TRANSUNION CONSUMER INTE- XXXX 21. TRANSUNION CONSUMER INTE- XXXX 22. TRANSUNION CONSUMER INTE- XXXX ACCOUNTS 1. XXXX XXXX- XXXX 2. XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX- XXXX 7. XXXX XXXX XXXX XXXX 8. DEPT OF EDXXXX XXXX
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

My Discover Student Loan ( Loan # XXXX ) is not being reported as a Student Loan. It is reporting as an Other Loan and needs to be reported as Education Loan 12 to the credit bureaus.
Consumer complaint received 2020-01-17
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX DOB : XX/XX/XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  XXXX XXXX {$2000.00} Paid, closed Account Info Account XXXX Account status Closed Date opened XX/XX/XXXX XXXX/XXXX  {$190.00} XXXX XXXX XXXX XXXX {$0.00} Paid, closed Account Info Account number  XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$0.00} {$26000.00} XXXX XXXX XXXX {$2800.00} Paid, closed Account Info Account numberXXXX Account status Closed Date openedXX/XX/XXXX Account type Auto Loan Balance Loan Amount {$2800.00} {$16000.00} XXXX XXXX   OPENED XX/XX/XXXX {$960.00} DEPT OF EDUCATION/XXXX    {$4600.00} 0 % paid off Account Info Account numberXXXX Date openedXX/XX/XXXX Account type Education Loan Balance Loan Amount {$4600.00} DEPT OF EDUCATION/XXXX {$1700.00} 0 % paid off 6 late payments Account Info Account number  XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Balance Loan Amount {$1700.00} {$1100.00} Account Info Hover over labels for more details Account number  XXXX Account status Closed Date opened XX/XX/XXXX Account type Lease Balance Loan Amount {$3800.00} {$5100.00} Payment Info Status Charge-off Past due amount {$2200.00} XXXX XXXX XXXX {$12000.00} Paid, closed 1 charge-off Account Info Hover over labels for more details Account number  XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type XXXX XXXX Balance Loan Amount {$12000.00} XXXX XXXX XXXX {$0.00} Paid, closed Account Info Hover over labels for more details Account numberXXXX Account status Closed Date openedXX/XX/XXXX Account type XXXX XXXX Balance Loan Amount $ XXXXunavailable XXXX XXXX Original creditor : XXXX {$1500.00} 0 % paid off Account Info Tap labels for more details Account number   XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1500.00} {$1500.00} Payment Info Original loan amount {$1500.00} XXXX   XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
{$960.00} 0 % paid off Account Info Tap labels for more details Account number  XXXX Collection opened XX/XX/XXXX Account type Factoring Company Balance Loan Amount {$960.00} {$960.00} Payment Info Original loan amount {$960.00} US BKPT CT GA XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number  XXXX Court US BKPT CT GA XXXX
Consumer complaint received 2022-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I was working as a XXXX XXXX XXXX and desperately trying to figure out how to get my student loans to be in a qualified program for the Public Service Loan Forgiveness Program ( PSLF ). My employer at the time was a XXXX XXXX  which was acceptable under the terms of the PSLF. What I did not know was that my loans needed to be consolidated into a specific type of repayment plan to qualify. So simply working for a qualifying employer was not enough. I also needed to have my loans consolidated into one loan and then put into a particular repayment plan that also had to qualify under the rules of the PSLF.

When I called Fed LoanXXXX to see how to get my loans to qualify, and to let them know that I was having a difficult time making my payments which were over {$700.00} per month I was advised to by Fed LoanXXXX to have my loans put into a repayment plan that was more affordable, however that repayment plan was NOT one of the ones that qualified for the PSLF. So I lost out on many months of payments that were made but don't count towards my PSLF. 

I was also advised to put my loans in deferment during the summer ( as a XXXX  we didn't get paid in the summer so funds are extremely tight ) which I did, also not knowing that this would be problematic in terms of the PSLF I was trying to achieve.

Due to this, I have been paying back my student loans since 2014, but am only half way through qualifying for the PSLF. And my current loan amount is MORE than I originally borrowed even after paying for 8 years.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On Monday XX/XX/2022 I Noticed my personal account checking account was overdrawn by {$5600.00} by capital one as a payment to my credit card. I that same day had the required bill of {$180.00} taken out of my account as well. I called capital one and the guy told me that because the charge was pending that there was nothing he could do and i had to call my bank and have them handle it. I called Capital One again the next morning and got told that because the payment posted there was nothing they could do and told me i had to wait until XX/XX/2022 to get the payment of {$5600.00} stopped and to stop Capital one from over drafting my bank causing more unwanted fees. Capital One offered no assistance in helping me resolve my issue other than pawning it off on another business. Meanwhile this whole time when i call Capital One the Service message i get says nothing about the payment of {$5600.00} but it says a payment of {$180.00} posted. I felt as tho Capital One had taken no ownership in this problem and did not want to stop payment and just wanted their money.
Consumer complaint received 2023-01-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc. (FL)

I previously reported the loan servicing for not doing what theyre supposed to do on my credit report however, they want to claim that the debt or balance is still there. However, these loans have been discharged. There is no more debt or balance to be owed and XXXX XXXX keeps fraudulently reporting. They need to fix this issue or they will be litigation. This is not going to continue and I will not continue to be financially harms by XXXX XXXX for them not doing what theyre supposed to do.