davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Reliant Capital Solutions, LLC (CA)

I have been dealing with a very aggressive third party company called Relient Capital Solutions. The representative I have been talking to is XXXX XXXX. He talks to me like I have committed a crime and repeatedly tries to get me to answer a question multiple different ways simlar to an interogation that seeks to get a confession out of a person. 
I have already owned up to being in default and reached out to them on my own accord to resolve this loan despite the fact that I can not use the class from this school. XXXX University ( in California ) has falsely advertised that they were accredited and I wont be able to use that class towards any degree. However, due to this student loan going to default status around 2008 I have been unable to move forward with my life.
Consumer complaint received 2019-04-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I graduated a private university in XXXX. I had an academic scholarship, but I also required federal and state loans to attend. My parents had a college fund for me, but my sister unexpectedly passed away 9 months before I was to leave for college. My college fund went to her funeral costs. After college I did not get a decent paying job until approximately XXXX, although I was expected to pay a huge percentage of my monthly income to NJ CLASS and I could not keep up, I also had my first son in XXXX and communicated numerous times to HESAA that I need to go into economic hardship deferment while on maternity leave. This was not passed along to whoever it needed to be, and despite days upon days on hold for hours with NJClass and a newborn, I never got a person to talk to. They immediately put my loans into default despite my requests for economic hardship deferment. My loans were removed from the website and I had no way of paying anything. My mom ( cosigner ) was also paying interest until she could no longer afford it given a job change and divorce. Shortly after ( XXXX ) they took me to superior court, I prepared all of my correspondence with them and went to court, NJ Class attorney did not show, I never received a rescheduled court notice, until I was served with a notice that they obtained a judgement on me at a court date I was not notified of, and they put a lien on my mothers house. I am a single mom to XXXX children, and I do my best to pay all my bills, I am not late or in default on anything else, even my federal loans are consolidated and, in an income-based repayment plan. These loans are ruining my credit no matter how hard I try to pay everything, they either want me to pay the entire balance plus attorneys fees or nothing. They have garnished my moms and my state tax return every year since about XXXX, yet the balance keeps increasing exponentially. I want to take care of this and get this behind me I have finally gotten a good job and want to make payments, but I want to make sure they are being tracked and my account is current and then I need options for refinance and consolidation. I also do not believe I am responsible for attorney fees since their mess up caused this issue in the first place if they put it in deferment when I qualified for it and asked repeatedly and worked with me on the payments none of this would have happened. I am a responsible person, but the loans are not live on the website I had no way of paying them without saying I was responsible for lawyer fees. I I am the first person in my family to attend college let alone graduate, we did not know the predatory nature NJ Class practices before we took on these loans. I have found numerous articles that they have done the same to others. They have been haunting my mother and I for years. I must think about my own children going to college in 10 years and I want to have my own debt behind me.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

My identity was stolen and used to open fraudulent accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has closed the accounts and sent letters to Equifax requesting removal of the fraudulent credit inquiries showing up on my Equifax credit report. Despite multiple disputes with Equifax, they are still not removing these two fraudulent credit inquiries.
Consumer complaint received 2018-07-24
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. (TX)

Equifax ignored all of my questions in my latest complaint. Equifax states they verify that XXXX XXXX, and XXXX XXXX accounts are accurate and mine yet never provide any proof of investigation to me. Equifax has an address listed that is incorrect that they never removed thats fraudulent. Equifax did not complete an investigation and has continued to lie. Equifax also stated they verified XXXX yet I received a letter from the company XXXX telling me they would remove the account from my credit as they verified it was fraud. Yet equifax again said they verified this account as accurate. They do not investigate and the identity theft occurred after the equifax data breach. Additionally equifax is lying and not providing proof of investigations. Equifax ignores my questions and does not provide resolution. Equifax is also allowing creditors to access my reports illegally without my permission. Nor written consent. Equifax is causing damages to me from actually placing fraud on my reports. These accounts have already been verified as FRAUDULENT. From XXXX  and XXXX. Yet equifax states they verified these as accurate. Yet they deleted only one XXXX XXXX account, yet not the other two. Which again proves equifax doesnt care to resolve fraud. They continually lie. They must be doing this to other consumers too as I will continue to write complaints until Equifax quits lying and stops causing personal damages by placing fraudulent accounts on my reports. Additionally XXXX XXXX stayed Equifax wasnt supposed to put these accounts on my reports they are inaccurately reporting the amounts as well. All around Equifax is committing fraud.
Consumer complaint received 2018-09-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NJ)

XXXX, XXXX debt collectors have re-aged my account by 3 years. Debt to XXXX due to unemployment layoff and new baby at the time in early XX/XX/XXXX went unpaid. Now in XX/XX/XXXX, it shows only 3.75 years. Company is misreporting the debt. Please investigate. 

Thank you, XXXX
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

I keep challenging the same accounts every month regarding the status, account information, and missed payments plus charge off information errors on accounts. I keep seeing nothing has been done or the information comes back as accurate or verified when no proof has been sent to me. This has been going on every month for 2 years with all the 3 credit reports.
Consumer complaint received 2019-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CA)

I am a XXXX and I sign for a loan with Wells Fargo practice Finance in 2015. I was given a payment Schedule that I have followed and paid on time until last month. My monthly payment went up about {$80.00} and when I asked for explanation. I was informed that this loan has adjusted interest rate and my interest rate of 4.35 % is now 5.9 % and it can actually go up over 7.5 %. This was hidden in a fine print and I was not aware of. On the first page of the loan agreement there is a large table which has block that include numbers of installments/ and amount of each installment and it clearly says 96 payment of {$1400.00}. I have tried to contact wells fargo to see if they can help me understand this sudden change. They responded by giving me 4 options which all include higher monthly payments, and prepayment penalties and application fees. I am outraged as this form of unethical practice and taking an advantage of consumers.
Consumer complaint received 2020-06-06
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. (FL)

I DO NOT UNDERSTAND?? I DID NOT REQUEST A BLOCK. I REQUESTED THE XXXX LICENSE AND WRITTEN SIGNATURE PROVIDED TO OPEN THIS ACCOUNT FROM THE CREDITOR XXXX. Equifax has been notified this is Not my account previouly NEVER FIXING PROBLEM. I Requested Written Documentaion to CONFIRM & VERIFY MY IDENINITY AUTHORIZING OPENING. See attatched XX/XX/2020 Equifax Notice CONFIRMING JUST NOW BEGINNING AN INVESTIGATION. Equifax has done this at least 3 times on the CFPB WEB previouly. see all other complaints. I DID NOT OPEN THIS ACCOUNT.
Consumer complaint received 2018-07-24
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: FORD MOTOR CREDIT CO. (PA)

I have a loan with FRD MOTOR CR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and FRD MOTOR CR  with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX XXXX / XXXX and XX/XX/XXXX.
Consumer complaint received 2024-03-03
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. (GA)

This account was paid off in full in the month of XX/XX/XXXX somehow XXXX XXXX  XXXX took the payment back after XXXX confirmed and accepted payment. It was after I was locked out of the XXXX app that I realized there was something wrong I was further denied access to the checking and savings accounts along with making in person payments at the sister branches in which payment would be made through due to this credit union not having any local branches in my area and the blocked access to the accounts and use of the payment options through the sister branches I had no way of fixing this issue as the address on the back of the credit card is incomplete/not the correct one to send payment to once something like this happens. It was not until XXXX that I discovered/received a letter stating that the account was charged off. I did NOT receive any 1099 form reflecting the charged off amount, but yet I was told that the other accounts would remain open until XX/XX/XXXX, then closed and at that point I can reapply for membership but not guaranteed to get XXXX due to previous history. I was sent an email on how to make payment for the full balance which I remitted a Cashier 's check to XXXX in the full amount due. XXXX received the payment accepted the payment cashed the check and still reported/updated this account as being accurate Charged OFF unpaid. So basically, we have an issue where XXXX Wrote Off the {$1900.00} and received certified payment of {$1900.00}. as of XX/XX/XXXX which they continued to report inaccurate information at this point XXXX has written off this debt as a loss and then collected full amount due while failing to provide the XXXX credit bureaus with true, accurate and correct information.
Consumer complaint received 2021-02-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

I was getting a loan modification to lower my interest rate, at that time my principal balance was {$310000.00}. TMS ( The Money Source ) assured me that it was not going to cost anything to modify the loan. Now my principal balance they say is {$320000.00}, and when I ask them about this they say they have no record of it ever being {$310000.00}. I have my mortgage statements and a printout from TMS showing payment history down to {$310000.00}. I have been told its their error and will be corrected, I have also been told they have no record of it ever being {$310000.00}. I have all the documents which they asked me to email to them, I did email them and to date nothing has been done nor will they return any of my calls.
Consumer complaint received 2018-07-24
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. (CA)

My previous CFPB complaint ID is XXXX. ( TRANSUNION ) XXXX. ( XXXX ) XXXX. ( XXXX ) Also, XXXX XXXX  Account Number : XXXX CFPB Case Number : XXXX I will file a complaint again because it has not been resolved yet. Anyhow, I have received a confirmation letter from XXXX XXXX on XX/XX/XXXX. 

They told that In your letter, you indicated our credit furnishing is still showing as Settled in Full. We regret any inconvenience this matter may have caused. As a result of your inquiry, we have asked the credit reporting agencies to update their records regarding your XXXX auto account to reflect it as Paid in Full ''. 

But after 30 days I looked at the credit reports for each agencies and found out that they were still not yet correct. 

Please, refer the following statements to my previous complaints. 

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX  XXXX " Completed investigation of FCRA dispute - consumer disagrees '' AND TRANS UNION XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX  " Account paid for less than full balance. '' Thank you.
Consumer complaint received 2018-11-27
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. (NY)

I created an online account with XXXX XXXX / XXXX XXXX. The sign-up process requires that you share your social security number with them. I initiated an online chat conversation with a customer service representative to inquire about the firm 's underwriting standards ( loan-to-value ratios and required down payments ) for single-family investment properties. I explicitly stated during this conversation that I was not applying for a mortgage with XXXX XXXX and I did not want my credit score pulled. Within the week, my credit score had been hard pulled by XXXX XXXX  twice explicitly without my consent.
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (AZ)

Hello my name is XXXX XXXX, I have received a numerous letter in the stating I have been subpoena and have and have to show up yo court, but never gave a date nor time. The on Wednesday XX/XX/23 A man showed up to my house when I wasn't home. My wife answered to door and ask if I was home and my said " No '' the this unknown ( who never identified himself ) Stated ( to my wife ) " These papers are for XXXX he's been served " and then hands the papers to my wife. The man did threatened to freeze our bank account and garnish our wages. I then call the number provided and was answered by someone who claims to be a lawyer and he said if we didn't pay the debt they will continue to show up at our home and place of work. My wife and I are at a lost and we could really use some guidance. 


The name of the company XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX ) XXXX
Consumer complaint received 2018-07-24
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: Regional Management Corporation (OK)

On XX/XX/2018 I received a phone call from XXXX at XXXX XXXX in XXXX, Oklahoma where I currently have a loan. As they do every month, she called to offer additional funds if I wanted to come in and renew my loan. This time I decided to follow up on the offer. I went into the store. I made it very clear to XXXX that I did not want my credit run again as we were beginning the process of buying a home. XXXX advised that because I was renewing that my credit would not be run again. There would be NO hard inquiry. I ended up not getting the loan renewed that day. 
However, just a few days later on XX/XX/XXXX I learned that my credit had been run anyway and that a hard inquiry was made. I called XXXX to advise her of this and she apologized and said no that she had not run my credit. I advised that was not true because my credit monitoring had picked it up the inquiry. She advised that she would call the main office and get back to me. XXXX called back that day and again apologized and said that changes were made in the system and was told by the main office that because of this my credit had been run again. However, she stated that was in error and she advised that the FCRA Team at the main office told her that they would have it submitted for removal within 72 hours. She stated that she would call me that following Monday to confirm. She never called. Fast forward to over a month later and today on XX/XX/18 I called XXXX and asked why she never called me back. She apologized and said that she has been so busy over the past several weeks that she didnt have time to call. She stated that she was sent a letter from the main office and was told that the new procedure was that the system would pull a hard inquiry even though " they '' in the office are saying otherwise. She advised that she will get back with their main office but says she can not force them to do this removal.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

I opened an account with TD Bank three weeks after the account was opened, I deposited cash into my account at one of there XXXX XXXX 's. The same day or the day after my cash deposit. Approximately {$7000.00} in fraudulent checks were deposited at the same branch location. I was informed by TD bank employees at there XXXX location were I opened the account, that my account was closed and TD Bank would no longer allow me to bank with them in the future. I found this odd, seeing how I was the victim of fraud do to a breach of the banks security. I have visited TD Bank many times asking for my money and or information on my closed account and have been told that there have been attempts to contact TD 's fraud department by email which has been met with no reply and that it isn't anything that can be don about it.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XXXX XXXX XXXX I submitted a dispute to a company called XXXX regarding a recent report provided by them to a potential landlord. On XX/XX/XXXX, I sent XXXX an email covering additional issues I had discovered while researching further about what was wrong with the report. I also submitted a complaint with the CFPB about XXXX, TransUnion, and XXXX ( complaint ID : XXXX ). 

Today, XX/XX/XXXX, I received an email claiming the XXXX XXXX XXXX branch of TransUnion had received my dispute, but failed to correct the issue claiming the " information was verified as accurate ''. 

TransUnion, as well as XXXX and XXXX, have a duty under 15 USC 1681s2 ( a ) ( 1 ) ( A ) to provide accurate information and shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Without firsthand knowledge to confirm that the disputed information is indeed accurate, there is no way they could have verified it.

In accordance with the Fair Credit Reporting Act, TransUnion, through TransUnion XXXX XXXX XXXX, has violated my Federally protected rights to both privacy and confidentiality as enumerated in 15 USC 1681 ( Section 602 of the FCRA ) and The Financial Privacy Act of 1978.

TransUnion has further violated 15 USC 1681 ( a ) ( 2 ) and 1681a ( d ) ( 2 ) ( iii ) by creating, keeping, then furnishing my account and file without my written consent, and restrained trade in violation of 15 USC 1, and 15 USC 2. These actions have also violated 15 USC 1681a ( k ), 15 USC 1602 ( p ), and 18 USC 894.

These violations have directly and repeatedly caused my access to housing to be denied. Considering how badly people need homes and homes need people, this has been deeply damaging to my life, livelihood, safety, and happiness. 

Names Reported : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2018-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JH Portfolio Debt Equities, LLC (OK)

JH Portfolio Debt Eq is trying to collect a debt of {$1100.00} this was included in a chapter XXXX bankruptcy in the State of Oklahoma XXXX District case # XXXX. They are reporting this debt to all 2 credit bureaus showing as an open account and the past due balance is due now. They are now calling me and harrasing me over the debt.