davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (AL)

I have explained to the representative for the company that I am aware that I owe this debt and I will be paying $ XXXX  monthly to get this debt paid off. I am currently behind so they continue to call me multiple times a day ( generally 4-5 times a day ) Monday - Sunday. They call me while I am at work and I work for a XXXX  and I am often in meetings, they call me while I am at church. I have paid this debt down some and I'm currently paying slightly more that the monthly payment to get it paid off. I have asked them not to call me everyday but I was told they could not control that. I was also told they needed the exact day I would send the payment. The exact date will change because I get paid bi-weekly. Our checks are automatically deposited. Recently, I was 2 days late sending it because our financial director had to leave due to a family emergency so I didn't get my pay as scheduled. Therefore, I was 2 days late sending the payment. This is why I prefer to send it monthly. This is a debt from a car that was totaled. I have paid over 12,000 on this debt and owe XXXX. I don't mind if they call me once or twice a month ( if I miss a payment ) but calling me everyday, 4-6 times a day is excessive. I was going to apply for a loan but the past due is on my credit and has hurt my credit so I am trying to pay this as I go.
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Small business ( checking and savings ) ( corporate account ) at Citibank was frozen on XX/XX/19 for XXXX  ( compliance issues ). Account has been open for over 10 years, no court order, or judgment or levy exists. I complied with all forms requested on XX/XX/19 - forms taken directly to a branch ; however as of XX/XX/19 all funds frozen. Auto pay to same bank for credit card payment was returned and {$25.00} charged. Rent, electric and other payments were returned, causing many extra fees and great embarrassment - landlord will no longer take a check for rent - electric company charged extra fees. 
XXXX XXXX, XXXX - corporate account - I am 100 % owner. 
Update - Branch refused cash payment on credit card.
Consumer complaint received 2022-05-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MidAmerica Mortgage Inc (IL)

On XX/XX/2022 we received a pre-approval from XXXXXXXX XXXX XXXXXXXX # XXXX to purchase a home in Minnesota. Interest rate at 4.125 % XXXX fixed with no points. On XX/XX/XXXX we sent them an executed contract for a home we are purchasing. In an online exchage on XX/XX/XXXX XXXX XXXX told us there was no expiration on the approval. On XX/XX/XXXX we reached out again to ask a question about closing and interest rates and were told by XXXX he would get back to us. 

On Monday XX/XX/XXXX we received a voicemail from XXXX XXXX informing us they were indeed not licensed in Minnesota to do loans and that we were basically out of luck as far as them being able to service the loan. We already have executed contracts and purchase agreements to buy this home and are left to scramble to secure new financing and not be in violation of the contract. 

We have been lied to since day XXXX about their ability to service this loan. They have mislead not only us but the seller and their agents. This will cost us thousands of dollars in interest rates based on the new rates we will be forced to take since this preapproval was never legal and the rates were not locked in.
Consumer complaint received 2019-04-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

On XX/XX/2019, licensed real estate agent XXXX XXXX, representing XXXX XXXX XXXX illegally trespassed on the property of my deceased parent 's home in order to take pictures for a Broker Price Opinion ( BPO ). The BPO was ordered by XXXX XXXX XXXX XXXX ( XXXX ), a known affiliate of XXXX XXXX XXXX , XXXX ( SPS ). I as the executor of the estate, which is currently in probate, was never notified nor gave authorization for XXXX XXXX or any other entity, to enter on this property. Posted signs are prominently displayed on the property and XXXX has been previously put on notice regarding trespassing. I contend XXXX has no legitimate claim to this property and no litigation is currently pending regarding this property. As result of XXXX XXXX XXXX illegal actions at the direction of XXXX and XXXX, I and my siblings feel violated and threatened. XXXX  continues to display a disregard for the law. I am seeking a cease and desist from any further trespasses, a copy of any XXXX produced and a copy of all pictures taking of this property. I reserve the right to file a criminal police report at my discretion. XXXX has been repeated told this property is NOT the property described in the purported mortgage. In addition, XXXX has yet to provide a legitimate claim per XXXX Surrogate Court Law.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

I have a mortgage that is now owned by PennyMac. The original home was appraised for {$170000.00} and the current balance is {$140000.00} which is 79.5 % loan to value ratio. I called up the company to have my PMI removed and they declined with the reason that my LTV is not below 80 % yet and so PMI can not be removed. This is a false statement! 

I also called them on XX/XX/2019 at XXXX pm and they did accept that the LTV ratio was below 80 % but they wouldn't remove PMI until the termination date of PMI. I asked if they would do, if my LTV was 78 % or lower and they declined that as well and said the only way to now remove it is to request a Brokers Price Opinion ( which I have to pay for and it may cost between $ 100- {$300.00} ) or an appraisal which would cost ( $ 400- {$1000.00} ).

The information I have read about everywhere says that once LTV is 78 % or lower, it should automatically be dropped, but Penny Mac refuses to do that.
Consumer complaint received 2019-02-01
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. (TX)

Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX  inquiry XX/XX/2017 XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-03-23
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. (TX)

I sent 2 certified letters to Transunion request they correct or delete the disputed information they have on the Bankruptcy. They responded with the information is accurate. I have explain several reason the public record should be deleted : 1 ) According to the XXXX XXXX XXXX XXXX XXXX XXXX Begin XXXX, XXXX 2017 Minimum reporting of name, address, social security and/or date of birth. This information is not listed. 
2 ) I contacted XXXX they couldn't verify the accuracy of the public record so they deleted. 
3 ) XXXX and XXXX couldn't verify the accuracy of the public record and deleted. 
4 ) I contacted the reported Bankruptcy court and they verified they do not provide information to any credit reporting agency.
Consumer complaint received 2019-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have attached a copy of my identity theft report, I was inquiring in regards to purchasing a home in XXXX of 2018 and reviewed my credit to file accounts that were not for me, inquires and a address that did not belong to me. I had a fraud alert placed on the credit report, but the accounts have not been removed within the 5 business days, as stated in the FCRA terms. As set forth by the Federal governing body. This has harmed my ability to complete the purchase of my home and has cause major stress and a financial hardship for me. Due to the fact that it, effects my ability to get approved for a home loan, the payment and interest rate, in addition to the fact the the current market is on a upswing and the purchase price of homes are increasing and my ability to purchase a home and gain increased value from a equity position.
Consumer complaint received 2019-09-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (CA)

Monterey Collection Service representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$3400.00}
Consumer complaint received 2018-03-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc. (TN)

XX/XX/2018 - I receive a letter from XXXX XXXX about validation of a loan I previously had with the company. She did provide me with the original contract from the dealership. She also provide a loan summary. However, I tried using this account number provided to login there online system and this do not give me any information on my account ( i.e. payoff info or current balance ). I tried calling the XXXX number provided and I seem to get no resolution of how to settle this account. I explained that I need this removed from my credit profile and it states a CO on my report. No one seems to provide me any info of how to settle this. I was told that the account was most likely sold to a debt collector. Even though I provide my contact information with the company. I still have not received a bill or current statement to attempt to resolve this matter.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

We have tried to remove the fraudulent mortgage account from our credit profile but the credit bureaus ignore all requests and demands. 

i nor XXXX XXXX did not nor ever gave consent to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXXXXXX XXXX nor XXXX XXXX nor XXXX XXXX XXXX, to use our names, images nor likeness nor consent to forge a Signature and take our identities in attempts to pass along fraudulent, unverified security instruments. there is a scheme currently in place to unlawfully attorn property from us at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX all parties are with knowledge that no mortgage, loan, promissory note were ever signed by XXXX XXXX XXXX XXXX XXXX XXXX all parties contend on proceeding with attempts to foreclose our property and use our identities and forge signatures purporting to be ours. these parties are in direct violation of 18 U.S. Code ss. 1028 ( a ) ( 1-8 ) & 18 U.S. Code ss. 473
Consumer complaint received 2023-06-11
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. (CA)

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Debt Buyer {$10000.00} Balance as of XX/XX/2023
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Citi bank credit card Card numberXXXX This credit card earn credit reward {$7200.00} end XX/XX/XXXX  When I closed my business on end of XX/XX/. Citi bank cancel my credit card account by bank policy. The service rep told me clearly. He will transfer to personal account and receive the credit rewards automatically. But it take two months long to set up my personal credit card accounts. Then they did not also transfer my cash rewards to me. 
I feel Citi bank stole my money which I supposed to earn from my credit card transactions. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MN)

Federal Loan Servicing Credit received a certified letter form me on XXXX/XXXX/2016 requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual document with Federal Loan Servicing Credit bearing my signature AND marking the account disputed on my credit report. As of XXXX/XXXX/2016 Federal Loan Servicing has not complied with my request.
Consumer complaint received 2018-11-13
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. (VA)

I purchased 2 floor sweepers from XXXX XXXX XXXX for a total of {$2000.00} on XX/XX/2018. My credit card was charged immediately but I never received the sweepers. They were alledgedly shipped by XXXX XXXX and signed with a unreadable signature that the driver wrote in as XXXX  ; we have nobody of that name working here. The XXXX company was of very little help and said it was not their problem. After contacting both merchant and XXXX XXXX to no avail I contacted mu Citi Visa to dispute the charges. They came back and denied my dispute because they said someone signed for it. This is just not right on my part as they should at least standby me in a case like. That is why I am filing this complaint now against Citi visa to credit my account for merchandise that I never received. I will follow with more additional info attached.
Consumer complaint received 2018-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I had accounts removed XX/XX/2017 and I take a look at my report and it shows closed with a new date ( which is illegal to add to my report with a new date ) that is re-aged. Capital One XXXX has open XX/XX/2017 ( which is incorrect and illegal at the same time ) I was not notified within 5 days of the changes.
Consumer complaint received 2022-08-19
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. (TN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Transunion Name : Employer : XXXX XXXXXXXX, TN Addresses : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Inquiry : XXXX XXXX XX/XX/XXXX Collection : XXXX - XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employer : XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX Inquiries : 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 Collections : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-11
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX account name XXXX XXXX account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY  DISMISSED  XXXX {$0.00} XXXX XXXX  XXXX {$200.00} XXXX  XXXX  XXXX {$460.00} XXXX XXXX $ XXXX XXXX  XXXX {$590.00} XXXX  XXXX {$590.00}
Consumer complaint received 2022-07-14
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I currently have my federal loans in borrow defense since XXXX the XXXX XXXX ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXXwhich goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (IN)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX