davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX and I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES AND update all the following ACCOUNTS attached to this complaint from my credit report immediately.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

On XX/XX/2018 A letter sent to me from XXXX XXXX XXXX a collection agency.

regarding breach of lease agreement in the amount of XXXX I was a cosigner for my daughter on a lease for a rental. She had paid all her rent owed every month. When she left we cleaned the space and a couple weeks later the landlord sent a letter of damages due minus the security deposit. He sent it with several invoices from companies to perform work of said damages. these were only estimates not paid work that was done. The charges were from everything from gardener picking up dog feces to a charge for the entire property being pressure washed. Approx 3000 square feet. her rental space was an attached two bedroom granny flat to the primary home.

and other charges for repairs for his property that have nothing to do with the rental space. When I called the collection agency they informed me it was filed by a third party and that I needed to reach out to the person listed as the creditor. Which is the landlord, I called him several times and he has not returned my phone calls. I have sent a certified letter to both the creditor and collections agency that I strongly dispute this action. How can a landlord turn a renter into collection for made up charges for repairs to his property that he has not even paid for himself and these charges are false ...
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ad Astra Recovery Services Inc (MO)

On XX/XX/2018 I requested a copy of my credit reports from XXXX, XXXX, and XXXX  credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1. AD ASTRA RECOVERY SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX or ( XXXX ) XXXX {$680.00} XXXX
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion credit agency continues to report XXXX being owed to XXXX XXXX XXXX which was purchased from original creditor XXXX XXXX. This has been removed from the other two credit bureaus.
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

My husband and I were advised by the Department of Education and American Education Services to apply for a Spousal Consolidation Loan in 2005. We were not informed that the DOE was about to pull the plug on these XXXX loans, and they would no longer be recognized by the DOE. These loans are not eligible for Public Service Loan Forgiveness like Direct Loans are, and they are not eligible to be reconsolidated into a Direct Loan. We would never have done this Spousal Consolidation if we had known this information. I only had {$6000.00} in loans, but my husband had XXXX. At this point, we have paid XXXX, and owe XXXX due the 7.5 % interest rate on this loan. If the loans were able to be separated and reconsolidated into a Direct Loan, my husband 's portion would qualify for Public Service Loan Forgiveness. He has worked in qualifying employment for over 13 years. Please help correct this horrible situation!!!
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

Enquired about a loan on XX/XX/18 with XXXX XXXX. We were comparing loan quotes for myself and my significant other at the time, now husband. We were unmarried at the time of my discussion with the loan officer and I was told that we could not both be on the loan even though it was my intent to apply jointly. I was told that if he wanted to contribute to the down payment we could complete a gift letter and put him on the title, however, he could not be added to the mortgage.

Still to this day I am receiving calls and texts from Quicken Loans. I have asked not to be contacted any more several times now. I had to respond to Quicken Loans texts with " STOP '' on three different occasions which was supposed to stop them from texting me, however, it continued.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (MO)

My wife and I visited Mattress Firm on XXXX XXXX in XXXX, MO on Saturday XX/XX/2018. The salesman told us about their financing options and offered to check if we qualified. He told us he would do a soft credit check and it wouldn't affect our credit. I agreed and said there would be no harm in it if it won't affect my credit. We proceeded with the check and we were approved. I told them we would think about our options and would return in a few hours if we were interested. The following Monday I received an email from XXXX  that a new account had been opened in my name. My wife called the store and they told her that was just part of their process. I called Synchrony who administrates the credit card and they verified that a new account had indeed been opened. I asked them to close the account and they did. I returned to the store two weeks later on XX/XX/XXXX with my new card in hand to ask them about it. They again insisted that they had done nothing wrong and that was just the way their system works. When they check if someone qualifies for credit a new account is automatically opened. I never authorized them to open an account for me, and I never signed an application. A hard inquiry and anew account now shows up on my credit report. I don't know that this will significantly affect my credit score, but that is not the point. At the worst this was fraud. At the least it was misleading.
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2018, I lost an item/code for {$2500.00}, after the money was deposited, i transferred the item to the buyer. Couple days later, I see that my account is frozen and has a negative balance of - {$880000.00}. I received no call, no email, no text from Bank of America regarding why my account was on hold. After i call, they said that the buyer is claiming that the {$2500.00} was an unauthorized transaction from his account and that a fraud investigation will be underway and will take 7-10 days to complete. I called multiple times after that for any information and to have the - {$880000.00} removed so i can pay my bills. After days of calls and agents, it was finally removed. I did not receive any information on the investigation until XX/XX/XXXX. which is over the 10 days and they sided with the buyer and agreed that it was unauthorized and fraud and i had the {$2500.00} withdrew from my account. If the investigation proved to be fraudulent why am i not protected? Why am i the one being punished if their investigation showed an unauthorized transaction?
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have have repeatedly requested XXXX XXXX XXXX to provide documents to prove the amount they are reporting on my credit report. They have failed to do so within the 30 day period required by law since this request in XX/XX/XXXX. 

I dispute the facts of this acccount- I do not owe the amount listed on this account. 

XXXX is reporting a balance with out any records that show how they calculated the debt they claim is owed. XXXX XXXX XXXX does not have any accounting records that prove this debt. In XX/XX/XXXX they provided a monthly statement for XX/XX/XXXX with a ending balance of {$54.00}. Capital One bank charged off the account of XX/XX/XXXX but neither Capital One Bank or Portfolio Recovery Assc can provide any accounting for the account from this XX/XX/XXXX Statement and the date Portfolio purchased this account XX/XX/XXXX Portfolio continues to state they purchased the debt from Captial One Bank but has no accounting of what they have purchased. The have not provided proper debt validation and are in violation of the Fair Debt Collections Act. They are using Harrasement ( 806 ) and Unfair Collections Practices ( 808 ) to keep reporting this information to all 3 Credit Bureaus. Nothing they have provided has showed accounting of the balance they claim owed XXXX XXXX XXXX recently reported to all 3 Credit Bureaus that I owe this debt when I disputed this XX/XX/XXXX. This is fraud. I have enclosed a copy of the documents of the statement that XXXX XXXX reported to the government agency Consumer Financial Protection Bureau. They have reported to this agency that they have no documents that show this amount in their records
Consumer complaint received 2018-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CHOICE CAPITAL FUND (FL)

I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$1200.00}. APR is 647.79 % with a total finance charge of {$6000.00} over the life of the loan. Semi monthly payments of {$360.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH. I would like to know if I am within my legal rights to rescind my authorization for ACH debits and to place a stop-payment with XXXX XXXX. If I do this, can The LoanSmith legally still collect in Florida since they are governed by a Tribal Lending Authority in  another state. Loan agreement is attached.
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (FL)

Per the settlement law suit against Santander Consumer USA. I fall under the criteria of having my loan forgiven, and or remove the negative information from my credit report. on XX/XX/XXXX I contacted Santander about the class action settlement and I was told I needed to call the company that Santander Consumer USA sold the loan to. This is incorrect information as it cleary states on their website that this is from a certain period in time if you got your loan between XX/XX/XXXX and XX/XX/XXXX ; and Your car was repossessed or your account was charged off by Santander within the first 12 months after you got the loan. Making a late payment or missing payments does not qualify you for a Deficiency Waiver. As of today 's date I have not heard or received anything in regards to that, which I fall under that category to have the charge off removed from my credit report. I have attached documents to show when I purchased the loan and when it was repossessed.
Consumer complaint received 2020-12-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I recently sold my home on XX/XX/XXXX, I was issued my equity balance at the time of closing minus the escrow amount balance of my account which I was assured it would be refunded to me within 30 days. I have not to date received my check. The mortgage company was called 5 times prior to closing to notify them of the sale and a new address was supplied to them. However, despite the multiple attempts to notify them of the new address they supposedly sent my check to the address of the house I sold on XX/XX/XXXX ... I did file a forwarding notice with the post office but did not receive any of my mail after it was filed I have since called multiple times requesting that it be deposited directly to my checking account only to be told that was not possible, so I requested that they send it directly to a different address and they supposedly did, never received it there ... all I get when I call are promises of reissues and overnight checks with tracking but the bank has failed to keep its word on doing anything it has said it would ... almost three months later, I still dont have my Escrow money.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

To Whom It May Concern : XXXX XXXX XXXX I have noticed that you have placed an inquiry on my Experian credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an  entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Experian report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' *****https : //www.consumerfinance.gov/XXXX*****
Consumer complaint received 2018-08-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

IC systems has been unlawfully flagging my credit multiple times within a month in order to decrease my score. They are consistently reporting a collection that is not valid and not mine on my report as new 3 plus times a month. I have requested they provide me with insurance claims made in reference to this, proof of identity and account history. They have continuously failed to do this. This constitues malicious debt collection and violates the FCRA. This is harassment and is subject to law suit.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (IN)

I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with XXXX phone calls all day long and my wife has been too. Along with XXXX voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

I'm writing about the dispute letters and documentation that I've sent and have not heard back. First letter was send XX/XX/2018 with proof of a shut down by the FTC and the paper work of XXXX  XXXX that I purchased no action. Sent 2nd letter XX/XX/XXXX, and third letter list products not received XX/XX/2018. 

Here is the and services description of products and the dispute : -Description of Services/Products : XXXX  is a business education platform. I paid and registered for a training program, sponsored by XXXX XXXX, to learn about online business practices and marketing techniques. XXXX XXXX which were 3 live training events ( XXXX, XXXX, and XXXX XXXX ), where I had to travel to XXXX XXXX or XXXX at a future date I choose to be trained and coached by the best in online marketing and advertising. Cost covered hotel stay, food, amenities and live trainings. This cost also includes continuous online training through XXXX websites and online coaching sessions that I could access whenever I want at my pace, and that new and fresh training will be posted continuously on the companys websites. I could choose any future date ( whenever listed by XXXX ) to attend the XXXX, and I could contact the coaches to receive online training via scheduling. 

-REASON for DISPUTE : I made prepayment for these services/products listed above, but I have never received ( DID NOT attend any XXXX   ) nor will ever receive in the future my goods or services due that this company ( XXXX XXXX ) has been under investigation and shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. 
All XXXX sites have been halted by the FTC. They have a Temporary Restraining Order and all the company and its subsidiaries have been taken over on/about XX/XX/2018 by a Receiver named XXXX XXXX XXXX. There is no way I can contact the company in good faith for a reimbursement of my money. All communications in and out of XXXX have been cut, and they are legally not allowed to handle anything like this during the investigation -Documentations : You can find more information about the company taken by the FTC at : -The Receivers name, XXXX XXXX XXXX , website at : XXXX  Specifically, the following documents ( # 1a-3 can be found at the above XXXX site ) about the case listed below : 1a. XXXX Appointment : XXXX XXXX XXXX 1. Initial Order : XXXX XXXX XXXX  2. Complaint : XXXX XXXX XXXX 3.  Temporary Restraining Order : XXXX XXXX XXXX 4. An Article on the FTC website www.ftc.gov : www.ftc.gov/XXXX
Consumer complaint received 2023-07-04
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. (CA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

XXXX XXXX XXXX added a negative account to my credit report. The date they state this account was opened with them was XX/XX/XXXX. I believe this to be for a XXXX debt that was already once removed from my credit report. Loan Type Debt Buyer Account. I am in the process of rebuilding my credit, this has negatively impacted my score which was on a slow climb towards mortgage ready. The date of first Delinquency is listed as XX/XX/XXXX before my account was open with them. The information they have posted on my credit report is inconsistent. They have made no attempt to contact me by mail. They are a predatory collector dredging up things past removed to add them to a credit report again.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX has agreed to remove their accounts from my credit report. This is the second request that I have submitted to have this negative information removed. see attached letter I am now demanding that this account be removed in the next 3-4 days.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc. (TX)

XXXX  has been non-compliant with removing the unverified account SANTANDER CONSUMER USA XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SANTANDER CONSUMER USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Pinnacle Credit Services, LLC (TX)

XXXX has been non-compliant with removing the unverified account PINNACLE CREDIT SERV XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that PINNACLE CREDIT SERV was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.