davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-12
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. (GA)

I reviewed my credit file and I noticed that there was several accounts showing that are not mine. Please remove the following accounts : The following accounts and incorrect personal information needs to be removed from my credit file : Incorrect Name Spelling - XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Information - I never filed bankruptcy
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding my persistent and unsuccessful attempts to dispute fraudulent items on my credit report. Despite numerous efforts, these inaccuracies persist, adversely affecting my creditworthiness. 

The fraudulent items I am disputing are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken the following actions to address this issue : I initiated my first dispute with your bureau, providing all the necessary documentation to support my claims, including detailed explanations of the fraudulent nature of these items. 

Subsequently, I followed up to check on the status of my dispute and request updates on the investigation. 

Despite my repeated attempts to rectify this situation, the fraudulent items remain on my credit report, causing severe financial distress and harming my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is of utmost importance that my credit report reflects my financial history accurately and that these fraudulent entries are promptly removed. 

I kindly request that you take immediate action to investigate and resolve this issue by removing the fraudulent items from my credit report. Timely resolution of this matter is crucial for my financial stability. Failure to address this issue within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including previous dispute correspondence, supporting evidence, and any additional documentation requested during previous disputes.
Consumer complaint received 2022-02-23
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: GOLDMAN SACHS BANK USA (OH)

I applied for credit on XX/XX/2022 using lending tree. Despite having a XXXX credit score, I was denied based on inaccurate information on my credit report. 

I was told there is a credit hold, despite this not being true. I feel this was used an excuse and in reality I was denied because of my age. 

Marcus by Goldman Sachs listed XXXX as a credit report source, however when speaking to a rep, she told me Marcus by Goldman Sachs does not use human, they use an AI Algorithm. The rep then said they use XXXX XXXX. However this was not disclosed IAW Fair Credit Reporting Act After speaking to XXXX, they verified no such credit freeze exists. I think I was denied illegally.
Consumer complaint received 2022-08-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (OH)

We applied for a home equity loan with Discover on XX/XX/XXXX. This was all electronic, with a portal to upload documents and e sign everything. After attempting to upload income information unsuccessfully ( received error messages from the site ), we received several emails and phone calls that we needed to contact them. So we did. I spoke to a loan XXXX on XX/XX/XXXX. They verified some income information over the phone and advised we were pre-approved for approximately XXXX XXXXXXXX and what our rate and term would be. The agent told us we need to upload the borrowers certificate within 7 days and then we would get notifications of the documents we needed to upload as well for the loan. We were told the process was taking around 6-8 weeks and was also dependent on how quickly we loaded our documents etc. I could not e-sign the borrowers certificate so we printed and signed and then scanned it in and uploaded it the next day. Over the next few days we added our XXXX, proof of insurance and mortgage statement and other documents. We were waiting on pay stubs because that week was a XXXX period and we wanted to Ensure we had the two most recent to avoid delays. On XX/XX/XXXX we received notice our application was closed. We were very confused as we were proactively working on our part. I emailed the loan officer and said it needed to be re-opened. The told us no, we needed to reapply because 25 days had passed. We had no idea of this 25 day guideline and no one told us. Not to mention we were just pre-approved on XX/XX/XXXX so only 5 business days had passed. We made financial commitments based on the pre-approval we received and now have suffered damage because of this misrepresentation of information from Discover. I will also note the emails stating our application was closed says we havent been able to get in touch with you Which is blatantly a lie because we just spoke to them the week before and were proactively uploading documents to our application.
Consumer complaint received 2022-08-26
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: FREEDOM FINANCIAL NETWORK (MA)

in accordance with fair credit reporting act XXXX freedom financial account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my rights.. 

15 usc 1681 section 602 states i have the right to privacy...

15 usc 1681 section 604 a section 2 ; it also state a consumer reporting agency can not furnish a accunt without my writtren instructions.

15 usc 1666b ; a creditor may not treat payment on acredit caed accoun under an open en consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc. (FL)

I felt forced and coerced into entering this agreement with XXXX XXXX During the presentation, they always sold it as only good for today deal. My sales representative would state that we would be cheating ourselves out of great vacations and not giving our children the opportunity to own and enjoy at no charge. This is not true, as these vacations cost much more than if we were to book outside of it. There are additional fees for almost everything, and the maintenance fees and taxes increase each year. They made renting or selling sound so much simpler than it is. They even stated that if at any point I did not want it, I could just sell it back. No one is looking to purchase this property, as it has no value. At the presentation, I certainly felt as though I understood the contract, but I had to find out later down the line all the facts of it and what was never mentioned to me by the salesman who was representing XXXX XXXX timeshares. Had everyone been honest about what was written on there, my decision would have been much different, and I would not be in the predicament I am today. I have reached out to XXXX XXXX about my desire for cancellation and the hardships this has brought upon me. I am addressing XXXX XXXX through a series of complaints. 

XXXX XXXX has since sent my account to a collection agency, Aspen. At no point did I agree to work with Aspen and I have no intention of involving myself with Aspen, especially not for a misrepresented contract. They are trying to collect money for a company that mishandles its members. I sent a cease and desist to Aspen, but they keep impacting my credit.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

Good morning, my name is XXXX XXXX, I bought my car with Acura, at Paragon Acura in XXXX, which is a lease. I bought it on XX/XX/XXXX and the car was stolen on XXXX XXXX. We agreed to investigate well and the police declared it stolen. The report was made with XXXX XXXX, which XXXX agreed to pay for said car! while they exhausted all the souvenirs in case they found the car! but there has been no luck!! So Acura agreed to put the account on hold, two months had already been paid!! And it turns out that they say that they are owed 2 months, how is it possible if the car only lasted in my hands 1 month and 2 weeks. Then they reported the car with false late payments and that is very bad, they reported me to the credit agencies and they damaged my credit where it is convenient for them to receive the check, receive the payment for the car but with my credit damaged and then they want to sell me another car and raise the interest I understand that this is a deceptive and very low strategy on the part of Acura
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Credit card companies should be officially REQUIRED to show upfront what your " Minimum Payment to Avoid Interest Charges '' is on each month 's statement for your credit card bill, as well as on their online payment page, and not just in small print on the last page of your statement. It should be easy and obvious to see what that payment amount is, and you should not have to try to calculate that amount yourself. // The problem is that when you take advantage of those frequent credit card " balance transfer '' offers, some of the offers have required monthly minimum payments, and some of the offers do not. So if you take advantage of a credit card balance transfer offer, your required " Minimum Payment to Avoid Interest Charges '' may be different from your " Minimum Payment to Avoid a Late Fee, '' as well as different from your " Total Purchases on This Statement. '' // In my case, Commenity Bank only shows my minimum required payment on my " 0 % Balance Transfer Offer '' on the middle or last page of each statement, and only in small print in a column listed as " Details of Your Plans : Plan Minimum. '' Which means that I can only figure out what to pay to avoid an interest charge on my statement as a result of my " 0 % Offer '' by adding all of my purchases for that statement AND my balance transfer offer " Plan Minimum, '' which is not the same as what is listed as my " Statement Balance '' or my " Minimum Payment Due. '' // The funny thing is that on my last statement they changed my " Plan Minimum '' to Zero for that statement ( accidentally, I think ), but then charged me a small interest charge even though I paid more than the total of all of my purchases for that statement. I believe they will correct my charge, since the error was theirs, but it irked me that I should even have to the perform the calculation myself. // Since the company already knows for each of your statements what your " Minimum Payment to Avoid Interest Charges '' is, they should be required to provide it to you very clearly on both your written statement front page, in the same location as " Minimum Payment Due, '' and on their online payment page. I had thought that that was part of the most recent laws governing the credit card companies, but a representative at Commenity just told me that that was not the case. I would also appreciate knowing how to get this included in the laws governing the credit card companies, as I believe that this would help all consumers.
Consumer complaint received 2018-07-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I SUBMITTED PAPERWORK TO EQUIFAX AND XXXX A NUMBER OF OCCASIONS. XXXX  DELETED IT AND THEN PUT IT BACK. THEY KEEP TELLING ME ITS BEEN VERIFIED, WHICH IS IN CORRECT. THE THIRD PARTY VENDOR THAT THEY CLAIM TO HAVE VERIFIED DOES NOT HAVE INFORMATION ON ME BECAUSE I HAVE OPT OUT, THEY CAN NOT VERIFY ANY INFORMATION ON ME. SO IF IT CAN NOT BE VERIFIED THEY HAVE TO DELETE IT.
Consumer complaint received 2017-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I have worked for a 501 ( c ) ( 3 ) XXXX as an XXXX since XX/XX/XXXX. However, Fed Loan Servicing ( FLS ) told me my student loan payments before XX/XX/XXXX do n't count for PSLF, because they were n't consolidated correctly. ( I first contacted Fed Loan and transferred my loans in XX/XX/XXXX. They were reconsolidated to REPAYE ). But I am certain I was in an IBR or ICR repayment plan prior to starting an account with Fed
Loan. However, FLS 's website says : " Payments you make under a 10-year Standard Repayment Plan or under any other Direct Loan Program repaymen
t plan with payments that are at least equal to what you would have been required to pay under the 10-year Standard Repayment plan also count toward PSLF. However, you must switch to an Income-Driven Repayment ( IDR ) plan, such as PAYE, REPAYE, IBR, or ICR, to benefit from PSLF. Otherwise, you would have no remaining loan balance to be forgiven after making 120 payments. '' FLS is refusing to apply federal student loan payments I made between XX/XX/XXXX and XX/XX/XXXX, even though I worked full time for a qualifying employer and my loans were in an IBR or ICR plan.
Consumer complaint received 2016-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (WA)

I discontinued services XXXX XXXX XXXX. They billed me for their membership even though there was no use of service from that point forward. There was no notification regarding the continuance of billing from the club itself. I recieved an email notification however from ABC in which enormous added penalties were added to the bill. The XXXX XXXX XXXX did waive the late penalties but would not waive the club use charges that they even admitted were not used. I paid the bill in full and sent the prehistoric formal written cancellation letter on XXXX/XXXX/XXXX. Since then in the past two weeks I 've continued to receive XXXX further notification of more fees and charges owing on my account. I have attempted to contact the XXXX XXXX XXXX, XXXX XXXX XXXX location and gotten no response. XXXX XXXX is his Manager who 's also ignored any and all communication I 've directed to her. This is abusive business tactics and needs to be addressed. After researching online I 've found countless postings from other victims from this companies abuse. There are too many other choices of XXXX to work out at. Maybe XXXX XXXX will learn a lesson someday that taking care of the customer should be a bigger priority.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital one bank lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX ( showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX four years later! There are no late payments or fees involved and clearly this is erroneous.
Consumer complaint received 2024-03-08
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. (VA)

I asked to give reason/s why they lowered my credit score. They basically do the following : they ran my information through their computer program and it spits out a XXXX  score over which they claim they have no control.
Consumer complaint received 2021-06-12
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (NV)

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2018-07-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

To Whom It may concern, I XXXX XXXX, would like to formally complain about my mortgage servicer Select Porfolio Services. I submitted my complete application for mortgage assistance about 2 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2018. As you can see, I've been bounced around given wrong information not just by rep but by managers. They then said that my case was handled wrong and that he was sorry but that my house will go for sale. I explain that I have a family and that we are going to be in the street but he did show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay. I don't understand why they would ignore my application all this time. I am currently back on my feet and ready to pay my mortgage all I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with no excuses. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. Please, help me I do not want to be thrown out on the street with my family. 
Yours truly, XXXX XXXX XXXX
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NH)

I tried for seven years to obtain a home modification. Since I was not receiving any help and after submitting multitudes of home modification packages, as well as thousands of dollars to catch up, I went to court and enjoined the mortgage and FINALLY received a modification. After the modification, I received a statement from Nationstar, indicating I am released from paying PMI, and therefor my payment was changed. I tried contacting XXXX, to no avail. Then I received a notice from Caliber Home Loans LLC stating they had purchased my note but XXXX was still my servicer and I was to continue to send full or partial payments to XXXX, which I did and the payment was returned. On or about XXXX XXXX, i received notice of foreclosure on XXXX XXXX, clearly disregarding laws of foreclosure notice. I contacted Caliber,  and they refused to speak to me. Although they claimed I am not the mortgage holder, they said a " cease and desist '' communications was in my file? How is that possible since they never communicated to me? I sent a letter in writing as instructed and received a letter back saying they were investigating my claim of " errors '' made. I then signed in to my XXXX ACCOUNT prior to the foreclosure and received a statement " your loan has been paid in full, if you are on automatic payments, you will be withdrawn and owe nothing further. 

On XXXX/XXXX/XXXX, I received notice, without any outcome of Caliber 's  alleged investigation, ignoring my requests for production of NOTE or production of document with my signature on " cease and desist communications, that my home was foreclosed. My self and my XXXX young sons are now being threated to be locked out of our home via Sheriff. The notice was from the sheriff was addressed to my teenage son, my mother, who does not reside here, and myself whom Caliber has claimed all along that I have no mortgage with them. The is the most heinous, egregious example of an unlawful foreclosure, using UNITED STATES POSTAL SERVICE TO SEND FRAUDULENT AND MIS LEADING DOCUMENTS regarding the same.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

My account was on hold XX/XX/, funds were unable to be accessed. I have tried multiple times to get my money that is in account. Branch and customer service said funds were being held and account is in process of being closed due to fraud. Direct deposit from my boyfriend was being deposited into my account for about 6 months, my bank was initially XXXX and transferred to US Bank, however XXXX did not inform me I couldnt get direct deposit in his name. So my account was closed ( XXXX XXXX  ), I have funds in my account that are being held. My account is closed and has been for 2 months. My funds should be returned back to me. I have tried customer service and going to branch in which they stated they have no information to get back to me at this time.