davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (GA)

I received a payday/installment loan from XXXX XXXX ( also known as Bluechip Financial ) around XX/XX/2018 in the amount of {$800.00} ; which was instantly deposited into my checking account. At the time the loan was made- I was unable to fully and completely review The Truth in Lending Disclosures. To this date- I am still unable to access my account and view any of that information. The only information that I am able to view when I log into my account is the next payment due amount and current payoff amount. As of todays date- the current payoff amount is {$980.00}. I have been making bi-weekly payments of {$150.00} ; all of these payments have gone towards the astronomic interest that is being charged and nothing towards the principal. To date I have made the following payments : XX/XX/XXXX18, XX/XX/XXXX18, XX/XX/XXXX18, XX/XX/XXXX18, and XX/XX/XXXX18. I am unable to continue making these payments and have tried to contact the company to discuss other arrangements ; to no avail. The only response I have received from the company is being told that payments will continue to be drafted from my account. This predatory loan is not only unethical but illegal in the state of Georgia. The interest amount being charged is well over 400 %. Chapter 17 of Title 16 of the Georgia Code is commonly referred to as the Payday Lending Act, even though it applies to installment loans as well- this code states any loans of {$3000.00} or less made to Georgia borrowers at interest rates that exceed eight percent ( 8 % ).
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have two collection accounts on my credit file that are fraudulent. XXXX is allowing this miscarriage of justice. Dr. XXXX once said, injustice anywhere is a threat to justice everywhere. Equifax is only concerned with promoting their BRAND. XXXX XXXX XXXX/Capital One, and XXXX XXXX XXXX. has ruined my life. 
I can not get a V. A. Loan because XXXX is permitting these horrendous, horrifying, and horrific deeds. This is 100 % identity theft and XXXX ; XXXX XXXX XXXX. XXXX XXXX/Capital One does not care. C.F.P.B. must protect me from these bandits. It is all about their BOTTOM LINE. 
Each time these items are removed XXXX, XXXX/Capital One puts it back on my credit report, and XXXX is sanctioning it. They are trying to collect a debt that is not owed, fraudulent, and it should not be reported to my credit file. I have a police report! As a Veteran who fought for this country, and a XXXX XXXX XXXX XXXX they are treating me like the scum of the Earth. 
Please help protect me against these atrocious, and unspeakable parasites of a company. Please help!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I hope this message finds you well. I am writing to express my disappointment and frustration regarding the initial attempt made to address the issue of late open accounts associated with my account. 

As a valued customer of your company, I have always appreciated the quality of service and reliability you have provided. However, in recent months, I have encountered challenges with the timely opening of accounts, which has resulted in significant inconvenience and financial strain. 

Upon noticing the occurrence of late open accounts, I promptly reached out to your customer service department in good faith, seeking assistance in resolving the issue. Despite providing detailed information and expressing the urgency of the matter, the response I received was inadequate and failed to provide a satisfactory resolution. 

The lack of prompt action to rectify the late open accounts has not only caused frustration but has also resulted in additional fees and penalties that could have been avoided with timely intervention. Moreover, the delay in addressing this issue has eroded my confidence in your company 's commitment to customer satisfaction and efficient service delivery. 

As a loyal customer, I expect and deserve better treatment when encountering issues such as this. Therefore, I am requesting the following actions be taken to address the shortcomings of the initial attempt to correct the late open accounts : A thorough review of the communication and actions taken in response to my initial complaint to identify areas for improvement. 
Immediate resolution of all outstanding late open accounts associated with my account, including the reversal of any fees and penalties incurred as a result of the delay.

Assurance that measures will be implemented to prevent similar incidents from occurring in the future, including improved communication protocols and proactive monitoring of account statuses.

A formal apology for the inconvenience and frustration caused by the ineffective handling of this matter.

I trust that you will treat this complaint with the seriousness it deserves and take proactive steps to address the underlying issues. I value our business relationship and hope that through effective resolution, we can restore trust and confidence in your company 's services. I am asking for your assisstance to correct the late open accounts in my credit file : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8.00}.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1500.00}, and XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270000.00}.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I accepted a " deferral '' of payments on my account which was, according to law, the help a mortgage servicer is supposed to provide during the pandemic. After a couple of months I received what they call an " annual activity statement '' showing some adjustments in my principal balance resulting in an increase of about the equivalent to the 3 moths that were being deferred. The statement was followed by a letter that according to them explained the terms of this " helpful program '' confirming that the principal balance had increased and that the total amount equal to the payments for 3 moths would be due upon maturity or payoff of the account date. 
I never agreed to these terms and never was clearly informed of these additional charges. This is in no way helping me. Again! Additional charges that aren't supposed to help the consumer during a worldwide pandemic. 
After a couple of attempts to get a clear explanation from SPServicing, I still don't understand how can they increase the principal amount by $ XXXX and just suggesting to try to file a complaint because they can't do anything after they discussed it a couple of times with me over the phone. 
The way I see it, they're just trying to make money from its customers out of the very particular and difficult situation thousand of people are going trough. Deferred to my knowledge, means " postponed '' and to any regular individual this means making those 3 or 4 payment at a later date ... not making them twice! This is illegal and they just claimed I accepted it. Not the case.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

My HSBC account in the US was closed due to consumer deposit rules. I filed a series of complaints. I was finally informed by the bank 's relations department that I had the right to reapply for a new account, but the account opening department was because " the old account was closed. '' For reasons not to accept my new application, it is simply an unfair treatment to me. The two departments are playing back and forth, and they didnt seriously solve my problem for me. 

The XXXX team told me that the bank has the right to reject my application, and the other team responsible for my past complaints turned out that I have the right to apply for a new account. The HSBC team in the US is very confused and the information communicated is inconsistent. This is for me Said it was extremely unfair treatment
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Following a recent review of my credit report at the XXXX, XXXX  and XXXX consumer reporting agencies, I learned that Discover Financial Services was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XXXX, I deserve more.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has  never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2020-12-16
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown 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 disputes.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NV)

I contacted EOS in regards to a XXXX debt. We made arrangements for me to pay off {$540.00} of a {$720.00} debt. The representative told me that once the debt is paid off, it would show as a zero balance on my credit report. I asked for them to put that in writing, but they refuse to.
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

Dates of contact : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Methods of contact : letters and phone calls. 

I made payments to two loan servicers : AES and Fedloan. I made 37 payments to AES from XXXX. During those years, I contacted AES numerous times about PSLF and income-based repayment. AES repeatedly told me that I did not qualify for either or that my loans were not the correct loans for PSLF. AES also told me that I had no other options. There was no information on their website about PSLF at that time. I was just starting my teaching career and was substituting and working as a paraprofessional. I paid what I could and had to defer my loans during months when I could not meet the payments ( which was often ). 

In XXXX, a coworker told me about Fedloan, and I moved my loans to Fedloan and started my payments all over again. In XXXX, my loan payments were based on my income. My loan payments were zero dollars for a time and then increased with my salary. This was unlike my AES payments which had been substantially more money. During this time, I repeatedly tried to get my AES payments credited toward my PSLF forgiveness without success. In XX/XX/XXXX, contacted Fedloan about the possibility of Temporary Forgiveness to get credit for my AES payments. They reviewed my file for nine months. During this time, I contacted them for updates. I was told, that they were still reviewing my file or I was not going to get my payments credited. In XX/XX/XXXX, I was denied. 

In addition, Fedloan keeps changing the date of my forgiveness eligibility. Their XX/XX/XXXX correspondence shows my estimated eligibility as XX/XX/XXXX, yet their XX/XX/XXXX correspondence shows my estimated eligibility as XXXXa full year later. How can this be happening? When I call Fedloan, I am transferred around and put on hold, but no one will help me resolve this. My loan payments are due to resume in XX/XX/XXXX. 

My loans should be forgiven in accordance with the legislation. I have fulfilled the requirements for PSLF. In addition, I wonder if I even should have had to pay all of that money to AES if they not withheld the information about other options that were indeed available at that time. I have been lied to and strung around for years as I have tried in good faith to get this matter resolved.
Consumer complaint received 2022-03-08
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. (WV)

I DIDNT APPLY NOR GIVE ANYONE ELSE THE CONSENT TO APPLY WITH ANY OF THE COMPANIES LISTED ALL ARE DONE FRAUDULENTLY. 

1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX / XXXX XXXX. XX/XX/XXXX 9. XXXX XXXX XXXX XXXX. XX/XX/XXXX 10. XXXX XXXX XXXX XXXX. XX/XX/XXXX 11. XXXX XXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XXXX. XX/XX/XXXX XXXX
Consumer complaint received 2022-03-08
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. (AZ)

The letter enclosed explains my dispute on several accounts. I never recieved what was asked for in the letter. The credit bureau is non compliant and this is the third attempt. This now qualifies to be deleted for non compliancy on all accounts listed in the letter attached. I will pursue this in court if they are not deleted
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX respectfully needs to remove the Derogatory Remarks of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX as a agreement was made with XXXX XXXX XXXX on my auto loan # XXXX to put my account Current and removed all derogatory remarks of 30-60-90 days late of XX/XX/XXXX,XX/XX/XXXX-XX/XX/XXXX. 
XXXX made errors on agreement and I misplaced my reading glasses when accidently signed Payment Extensions of XX/XX/XXXX-XX/XX/XXXX. 
As far of XX/XX/XXXX., through XX/XX/2019 all timely payments of {$440.00} was always made on time and deducted from my XXXX XXXX XXXX Account # XXXX. 
I provide it evidence to Federal Government and US Senator XXXX XXXX. 
I respectfully gave Consent authorization of my Privacy Release to Senator on my issues of XXXX and Experian and XXXX. 

I am respectfully XXXX Lifetime and Retired and a US XXXX Honorable Military Veteran. 
I am going through a VA Loan and home purchase process in Florida with XXXX XXXX  and XXXX XXXX XXXX in Florida, but it appears that XXXX, XXXX and Experian are Retaliating, Discriminating against me on my Lifetime XXXX and National Origin as a XXXX US Military Veteran. 

Experian and XXXX  are holding my VA Loan process with XXXX Derogatory Remarks on my credit reports. 
XXXX administration made contact with XXXX  to remove all Derogatory Remarks from XXXX. 
But I review the credit reports that Experian and XXXX and derogatory Remarks are still listed on my credit reports. 
XXXX, XXXX and Experian are in Federal Violations and my ADA Disability Act under Department of Justice. 
This is a very Urgent Matters.