davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (HI)

This debt appeared on my credit report. The company sent the debt to collections without my prior knowledge that I owed the debt. I reached out to the company in an attempt to resolve the issue. The company employees sent me through multiple channels over a period of a few months, none of which solved my issues. I attempted numerous times to dispute the inaccuracies through the appropriate credit bureau. Each time the dispute process was over, the company would add the debt to my credit report again, thus starting the origination date over. This prolongs the process of getting the debt removed. Furthermore, Ive reached out to the company to provide me the details of the account in order to prove the debt belongs to me, to which the company offers no response or they respond by telling me that Im not a current customer, they cant locate an account in my name.
Consumer complaint received 2019-07-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (AE)

Wife and I are XXXX XXXX military and both received orders from Texas to XXXX. We have two vehicles financed through Kia Financed. We requested permission to ship vehicles to XXXX XXXX XXXX for the duration of our assignment  ( 3 years ).  Immediately we ran into issues with customer service giving us bad information. We were told to send approximetly 10 documents to include their Vehicle Transport Checklist with our miltiary orders, insurance, etc ... However, they lost the documents on three occassions, and gave us incorrect fax numbers for submission of three occassions. We were able to get one vehicle shipped through pure luck. However, the other vehicle is in XXXX at a storage facility as we can't legally ship untily they give the approval. I called them again a few days ago and the customer services rep was unable to give me any information on the where the approval letter is or what we need to do for approval. At the end of the day we have one vehicle sitting in XXXX, and we're renting a vehicle in XXXX to get to and from work while serving an assignment in XXXX. Kia is horrible at getting us answers. The office responisble in processing the application has no ability to receive calls form the customer, and more concerning, is the customer service rep we do call at KIA, is unable to cal them or message them as well.
Consumer complaint received 2019-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (VA)

I took out a personal loan for {$24000.00} with lending point in XX/XX/XXXX. Since then Ive made over {$7200.00} in payments however, my balance remaining is over {$22000.00}. To date, my amortization schedule has been unavailable to me online. In addition, I was never sent a hard copy by mail or electronic copy by email. Online it states it is coming soon for the past year so I called on XX/XX/XXXX and requested to speak to a manager. I informed her of my concerns and asked for my amortization schedule and was told one had to be put together and it would take some time. The manager then stated it would be best if I contact XXXX XXXX, my account manager, by email to request this info. Im not understanding why any manager cant assist me with my schedule or why my amortization schedule doesnt exist already when my loan has been in place for a year now. I also want to make a large one time payment to cut my balance remaining in half but, am afraid that my payment will not go towards principal. When I asked the manager on XX/XX/XXXX what the practice is I was informed that any additional payments would indeed be applied to principal. I asked her to send me this in writing to my email and was informed that she wouldnt be able to send me anything in writing stating this until my amortization schedule is ready. I asked when that would be and was told hopefully in 24-48 hours. Its been three days since my call and Ive received nothing.

Before I make any payments to my account I would like my amortization schedule. It doesnt seem right that one doesnt exist already and the company is not being transparent with how my payments are being applied or with their lending practices.
Consumer complaint received 2021-01-27
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: CORELOGIC INC (GA)

Problem : XXXX XXXX XXXX XXXX utilized CredCo to do HARD credit inquiries on XX/XX/XXXX and XX/XX/XXXX for the same mortgage refinance application. I read on the CFPB site : https : //www.consumerfinance.gov/ask-cfpb/what-exactly-happens-when-a-mortgage-lender-checks-my-credit-en-2005/ ) " You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy one home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately. '' Having these multiple hard inquiries is WRONG and it has damaged my credit score and has jeopardized my standing at other financial institutions so much that my credit limit on 1 card decreased from XXXX down to a mere {$2000.00}. 

Here is a brief timeline : XX/XX/XXXX - I inquired about the next steps to proceed with a new mortgage refinance application. Without my express authorization, XXXX pulled my credit. Unbeknowst to them, my XXXX  Credit File stays locked unless I unlock it. So they only got to pull my XXXX and XXXX  reports. 

XX/XX/XXXX - I reached out to XXXX again to inquire why they pulled my credit and told me that was the next step in the process. I then explained that my XXXX  Credit Report is locked and I would need to unlock it. At this point, I authorized them to go ahead and pull it. So, XXXX pulled all 3 bureaus this time. 

XX/XX/XXXX - I successfully closed the mortgage loan with XXXX. 

XX/XX/XXXX - I realized that my XXXX  and XXXX credit report had 2 hard inquiries dated both XX/XX/XXXX and XX/XX/XXXX. I immediately emailed XXXX to fix this. XXXX replied to say that they would submit a letter to the credit reporting vendor and would send me a confirmation receipt, along with any other correspondence. 

XX/XX/XXXX - I sent an email to XXXX to follow up because I did not hear anything back after my initial outreach a month prior. 

XX/XX/XXXX - XXXX replied to state they would reach out to their vendor CredCo. 

XX/XX/XXXX - I sent another email to inquire on the status. 

XX/XX/XXXX - I made a phone call and left voice mails for 2 individuals at XXXX. I called XXXX XXXX and XXXX XXXX.
Consumer complaint received 2019-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diaz & Associates, Inc. (FL)

DIAZ AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has placed a collection debt on my credit reports in XX/XX/2019 without first notifying me. I was aware of the debt and it being on my credit reports. The collection agency is also attempting to collect a debt which has expired under the 5 year Florida statue of limitation Laws. It has failed to provide debt verification and its authority right to collect debt. 

Collection agency has failed to adhere to the Fair Debt Collection Practices Act.
Consumer complaint received 2019-07-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (FL)

On the month of XXXX, I applied for Income Driven Based Repayment Loan. They received the status however, they said I am on the standard loan program for now. The only way I could get back on income driven loan repayment is By paying the full amount which XXXX dollars. I paid that amount on XX/XX/2019. Now, someone changed the dates of the application that I applied for income driven based loan repayment. I called Three times regarding if I am going to be on income driven based and I needed to see letter if I am on it.. til this  day..nothing has changed.
Consumer complaint received 2019-01-23
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: Experian Information Solutions Inc. (OH)

RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX  XXXX ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XX/XX/XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (FL)

On my current statement, with closing date XXXX/XXXX/2019, I have a mysterious fee called " MINIMUM INTEREST CHARGE FEE '' of {$0.00}. The company can not provide an explanation of what this fee is for. The account is frozen and not being used at all, and the balance on the account is on an interest-free promotion until XXXX/XXXX/2019. There should be no interest or fees at all until that date. The company appears to be extremely disorganized, the secure messaging system on their website is almost unusable, it is erratic and returns errors upon an attempt to send a message, at other times staff answer messages but are untrained, incompetent and have no idea what they are writing about. I have another complaint filed previously about a similar but different issue ( direct interest ), I received one e-mail from the company 's corporate office promising an investigation but this has not happened and they do not answer communications either. A start-to-finish disaster.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (TN)

Hi, I am authorizing this complaint on my behalf. I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more that 60 days. I need these accounts deleted immediately.
Consumer complaint received 2019-01-23
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Global Trust Management LLC (VA)

My husband and I are working with a Credit Agency to help us get our debt paid. However Global Trust Management is constantly calling me at work after I have asked them not to. They are also using work to reach me at work pretending to be a customer. I have been told to shut up, they will go after my family, start calling everyone I know. I have told the a number of times not to call me at work or on my cell phone, that we are working with XXXX XXXX to get our debt worked out and paid that they need to contact them, however they are still calling harassing me at work. The number they call from is XXXX
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Account is showing late payments on my consumer report that were not late and according to 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. attached is a copy of the law that indicates my consumer rights have been violated.
Consumer complaint received 2021-01-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I contacted Navient 's rate reduction program department on XX/XX/21 explaining to them that I still have limited work and my income has been drastically impacted for over a year. I asked if I was eligible for temporary interest rate reduction so I could have more affordable monthly payments and still be able to pay my loans down. I explained since I had to extend these loans out the total payments since loans dispersed would be over 40+ years. They stated I have used up my interest rate reduction allotment, unwilling to accommodate even though I stated other private student loan services were able to. They only offered me interest only option which perpetuates this cycle of debt without allowing me to affordably pay down some principle.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX company reported XXXX XXXX Mortgage past due to XXXX, XXXX  and Transunion for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XXXX XXXX, 2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by XXXX  to XXXX XXXX XXXX. Please see attached document. XXXX  has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and caused denial on mortgae request, refinancing on loans and credit application for XXXX XXXX
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (CA)

just recently looked at my credit report XXXX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached evidenXXXX XXXX  XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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

1. XXXX XXXX XXXX XXXX account # XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX, account ID XXXX 2. XXXX XXXX XXXX, account # XXXX, account ID XXXX 3. XXXX XXXX XXXX, account # XXXX,XX/XX/XXXXXXXX, account ID XXXX 4. XX/XX/XXXX, account # XXXX, XX/XX/XXXXXXXX, account ID XXXX 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.

15 U.S.C 1681 c ( a ) ( 5 ) sections 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

In reference to complaint XXXX. What equifax 's idea of fixing the issue was to send a cookie cutter response. that response was " Let me tell you how credit works '' My complaint was that, their site makes it hard to file complaints. wWhen I try to navigate their site, each link leads to paying for their monitoring. I understand credit, so i dont need the information. I want to submit challenges to the erroneous information to them the same way that I have submitted to other major credit reporting agencies. 

This is not just a XXXX XXXX XXXX issue. This a systemic issue including everyone that attempts to maintain accurate information on their report.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

I made a credit card settlement payment to synchrony bank/technet between XX/XX/19 and XX/XX/19 in the amount of {$540.00} which cleared my account on XX/XX/19. XXXX XXXX is still reporting this item as delinquent on my credit report and continuously makes harassing phone calls and sends harassing letters saying I still owe the debt and stating that the settlement payment I made was just a payment on the account which is completely false. I've asked them several times to review the recording of the phone call I made to them between XX/XX/19 and XX/XX/19 in which I was advised by the representative that the payment I was making, was a settlement payment. I will not be paying on a debt that I already settled and would like for them to stop calling and emailing me and sending me letters stating I owe a debt that I do not and to stop reporting this debt as delinquent on my credit report as its negatively affecting my credit score.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Complaint to the representative about my credit score. She refer to herself as XXXX. 
She could not give me an answer why my credit score was lower. 
The information was not updated as well some of the inquiries were not correct and one of the credit card balance was not updated. 
I ask if i could cancel my subscription just before one month since say she will cancel my service right away. I told her not to cancel immediately and wait until this month was finish. She could not meet my request so I told her I will cancel the subscription later. However, she told me this was a trial period and she would charge me full price of {$19.00} immediately if I do not cancel this subscription. However the website say the first month was a discounted rate at XXXX and did not mention that this was a trial period before the first month end. 
She also accuse me that I was upset about my credit score which in part I was. 
However, I was more upset on the her service that she wanted to charge me more than I signed up for. I could not talk to a supervisor because there was no one available until Monday. 
I ask to cancel my subscription and express my unhappiness about her services. 

Incident occurred on Saturday XX/XX/2019 around XXXX XXXX
Consumer complaint received 2019-07-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GRANITE STATE MANAGEMENT & RESOURCES (LA)

I couldnt fill out the loan repayment change request form because i am on my cellphone. I would like to lower my monthly payments. My monthly income is {$350.00} & i have other expenses like phone & other utilities that wont allow me to be able to pay {$50.00} per month.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I was denied credit and a few days later received a letter stating it was denied due to applicant is deceased. I called 3 times and left messages, no one ever calls back. The message says someone will call within 1 business day, its been 5 since my first message. Tried to dispute but I need my consumer report number first. Filed a request for my report and never got it.
Consumer complaint received 2019-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

I lived at XXXX XXXX XXXX for 11 years from XXXX to XXXX paying rent as agreed. A portion of my rent ( 30 % ) was subsidized by XXXX XXXX XXXX XXXX XXXX ( section 8 ) who inspects the houses to make sure they are up to the Public Housing Agency ( PHA ) standards. 
After living here for 11 years and in order for me to continue living there, the ( PHA ) Housing Agent in charge of inspections requested that due to wear and tear, certain items needed replacement, a new carpet, new refrigerator and replacement of certain parts of the kitchen counter. XXXX XXXX XXXX administrator agreed to the replacements but then tried to charge me for the cost of these items. After many attempts for them to remove the charges, I seek legal aid and the resolution by the Judge was dismissal of all charges liberating me from the debt. After the judgement I did not renew the lease and moved out. 
Now that I am trying to rent or buy my own place, realized that XXXX XXXX filed an eviction complaint against me when I had already left the apartment per contract and on the date I was supposed to leave.This appears on my credit report as an eviction and as if I owe them for something I don't even know what it is. I believe this was in retaliation for the judgement in my favor. 
In the court documents attached please notice the date of the ruling from the judge in my favor is XX/XX/XXXX and the final judgment for possession is XX/XX/XXXX. 
I moved out XX/XX/XXXX.