davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2019, my son XXXX XXXX and I applied for a {$20000.00} loan on a car to which he already had clear and unencumbered title, to liquidate that equity for unrelated purposes. 

On a single phone call, a loan officer for Navy Federal Credit Union took both of our social security numbers as well as the VIN for the car we were pledging as collateral, and with our permission accessed our credit reports. She did NOT disclose to us, however, before accessing them, that the loan 's final approval would be conditioned upon her obtaining a " XXXX '' for the vehicle which did not indicate ANY faults, issues, negative history, or problems. 

She determined we were qualified for the loan, sent an email to me containing a hyperlink to a web page which she indicated would allow me/us to e-sign a promissory note and/or other relevant documents to fund it, and asked me if I would like to pick up the check in a branch or have it mailed to me. I indicated the latter, and the call ended soon thereafter. 

Within 30 minutes, we called back to ask a question about the loan ( whether it might be possible to increase its size, since the original requested amount was {$10000.00} less than {$30000.00} the maximum amount the loan officer disclosed to us that the vehicle 's {$27000.00} value would support, per their lending guidelines. 

On that call, we were told that the loan 's approval had been rescinded because of a " red triangle '' on the XXXX they had obtained, indicating that the car had, nearly two years ago, sustained " structural '' damage. 

NOTE : " Structural damage '' does not in any way equate to a branded, salvage, or otherwise less-than-clear title. I would also note that a similar product we purchased before buying the vehicle less than a month ago, " XXXX '' indicated NO such negative information. 

So, my son 's and my credit reports now contain " hard '' pulls because this institution sought and obtained our permission to access them under the false/fraudulent pretense that, if our credit and income was sufficient, we would be ( and IN FACT WE WERE ) APPROVED for this loan. They chose to more deeply research the collateral we were pledging, which can not suffer harm as a result of such research, only AFTER deeply researching us as borrowers, damaging both of our credit ratings in the process!
Consumer complaint received 2022-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX  XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.
Consumer complaint received 2018-09-06
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. (NY)

I have reached out several times by mail and by internet. THESE ACCOUNTS ARE REPORTING INCORRECTLY. I have never missed a payment and i have never been late on any payments. 
I would like to see how the CRA investigated this dispute. I would also like the name and the phone number of the person they spoke to. I would also like to see a print out of the late payment history from the bank they did the investigation with. I DO NOT WANT TO SEE COMPUTER GENERATED PRINTOUTS FROM EQUIFAX, I want to see the actual paperwork they received from the bank itself. 

All of these accounts are closed in good standing -- -- If the late payments are not corrected please remove the closed accounts. 
. 
XXXX.. 
XXXX.. 
XXXX..
Consumer complaint received 2022-10-09
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)

i had bankruptcy on my account however they have been removed. I have disputed with the companies and it was removed from my XXXX report however it has not been removed from transunion or XXXX. also the dates do not match up. I would like this removed from both these companies. thank you
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Portfolio has claimed that they have been transferred the right to own such alleged debt. The lawful elements of a contract havent been fulfilled. Portfolio never made me an offer that was accepted by me, they have failed to provide me consideration of any form and they have never proven any other financial entities that that are claiming to have initiated the alleged debt instilled a right to assignment in any contract they provided. Therefore, Portfolio has never proven a right to the existence of any such debt as well as the legitimacy to collect on besides some hearsay Bill of Sale, which proves nothing and offered me no consideration with regards to this issue.

This company continues to refuse to furnish the proof of any such debt and now blatantly states that they refuse to provide proof of validation, as the letter I am enclosing in the file insists. They are engaging in fraud. They make statement of facts in how they form their presentments to collect the alleged debts and yet as the CFPBs own 2015 consent order against them ( CFPB-XXXX ) shows on Page 7, as per the statement of their own VP, they know going into this whole process of their extortion scheme that they know the data they possess is likely flawed and they are in violation of FCRA 1681i in the sense that they cant verify information they list dispute their statements to the contrary in their various responses to disputes and demands they prove their claims. They have never proven the accuracy of the amounts they are claiming to be owed. They, as I have already documented in prior complaints, with no explanation given by Portfolio, have never explained what gave them the right to violate 1681i to reinsert data that had been removed without notification to the consumer. They continue to claim they verify and use terms like establish validity yet never demonstrate how they have done so. The court case XXXX XXXX XXXX established that credit reporting IS debt collection activity and Portfolio has already in the past acknowledged that they are going to cease Collection activity yet continue to Furnish this data as collections to the bureaus.

Furthermore I recently received letters from PRA refusing to explain or defend their standing and right to furnish this data on my files any files, which violated the FDCPA for unfair practices, unless I provide new information. In my prior dispute I did provide new information, in particular the results of my UCC search pertaining to any debt attached to my name, and that was utterly  ignored by Portfolio despite being a valid point. I expect these items to be removed by Portfolio and hear no more from this company I have never chosen to do business with or interact with in any way.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed the account XXXX XXXX Account # XXXX with the bureaus and had advised them this account belonged to an ex-spouse and that I am not responsible for this account. I asked that this account be removed from my report due to not having ties with the account. The account has been paid off by the account holder listed on the document I am uploading and have advised the bureaus of this information as well. The creditor however updated the account to reflect my current address with the account holders name who again is an ex-spouse and has never lived at the address noted on the payoff letter. Since the account has been paid off the creditor is no longer able to do any adjustments to the information that I have notified them of. The bureaus have listed this account as closed but it should not be listed on my report at all.
Consumer complaint received 2019-10-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NC)

The flood damage has compromised the cars computer and safety mechanisms, which poses significant safety hazards to me and my family.The vehicle became inoperable in less than a week with multiple malfunctions ; oil leaks, oil changes, break replacement, tune ups, electrical issues, engine replacement and repairs, temporary/expired tags and now the steering wheel shakes when Im driving the vehicle, and transmission stops and stalls while driving 70mph on the freeway. Due to the known inoperative various defects on the vehicle and the recall not being honored the car was in an rear-ended accident and the airbags did not deploy putting me and my family at risk.
Consumer complaint received 2021-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (HI)

XX/XX/ I retired and moved to another state. XXXX XXXX XXXX XXXX  charged me {$150.00} for the cancellation of the service. I tried to resolve this with XXXX XXXX XXXX XXXX XXXX Retention Department, but it insisted the charge for cancellation is righteous. I was told that if I had requested a transfer of service and that there was no XXXX XXXX  service in XXXX that they would have waived the {$150.00}. I was never informed of that option when notifying XXXX XXXX of cancellation. 

I have been a customer of XXXX XXXX XXXX XXXX XXXX for 10-15 years ( lost count ). It is claimed that the cancellation fee was for termination of a contract seven months before the two-year contract was fulfilled. How is it possible for a company to declare a two year contract when I/we 've been satisfied, if not loyal, customers for a decade or more? They said because we received new equipment 18 months ago. ( That is true in that the equipment we had failed, and their repairman said we needed another one. So apparently that made us a " new customer '' that had to maintain service for another two years. ) All equipment was returned to XXXX XXXX and acknowledged by them as such. 

We did not end service because of a better offer from another cable company. I retired and moved to an XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX where acquiring XXXX XXXX would have been difficult if not a nuisance. XXXX XXXX captured $ XXXX dollars of that/ $ XXXXcancellation fee by absorbing credits we were given for terminating two other bundled services. We are refusing to pay the additional {$80.00} as this constitutes extortion and unjust levying of charges -- for what? non-loyalty?
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (VA)

In accordance with the fair credit reporting act XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX have all 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.
Consumer complaint received 2019-07-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (WI)

Upon looking at a credit report, I noticed a collection account from XXXX  XXXX   XXXX. I seen there was a date from 2016. I have not received any contact from such company explaining my rights to dispute. Also they have not been able to provide proper documentation regarding a contract between myself and XXXX XXXX. My original debt was with Chrysler capital where I returned the vehicle too. Also chrsler capital failed to inform me of the 3 days change of mind clause allowing me to back out of loan in 3 days. I returned vehicle back to Chrysler capital less than a year from sale. It was a preditory loan that would have me paying {$40000.00} more than the vehicle was worth. I have disputed the XXXX XXXX on through all 3 credit bureaus and they continue to illegally report this debt.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Social Finance, Inc. (MD)

I had a private student loan with XXXX. I requested SOFI to re-finance the XXXX loan. SOFI did. SOFI then over-paid XXXX by $ XXXX on XX/XX/2022. 

XXXX claims they have since re-credited SOFI with the $ 7,000+ check. SOFI claims they have not received it and have no obligation to hunt the check down. Meanwhile, my student loan balance with SOFI sits at $ 7,000+ over the real amount due. 

SOFI also states that they will do nothing about having not received the check for a least two months since the refinancing happened - i.e. two months since XX/XX/2022. In the meantime, I do not have over {$7000.00} that rightfully belongs to me. I feel robbed without recourse. 

Do not let loan servicers who refinance sit on money that is not theirs.
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

This letter is regarding account XXXX, which you claim XXXX. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2021-07-25
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. (NJ)

I have a student loans from XXXX unfortunately i have a XXXX  XXXX and therefore my student loans was discharged by bank, i have received from XXXX XXXX a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( XXXX, Equifax and XXXX  ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was discharged the balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.
Consumer complaint received 2021-04-14
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

This is a formal complaint against Usaa Savings Bank located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Usaa Savings Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-02-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (MS)

In XXXX we purchased four lots of land cash, with the intent to have a house put on it. On XX/XX/XXXX we took out a loan using the land as collateral to make some improvement to the land. On XX/XX/XXXX, I obtained a loan to purchase a manufactured home. Me and my wife fell on hard times in XXXX. On XX/XX/XXXX I tried to do a loan modification through the XXXX program, and it was denied due to it being a manufactured home. Because of this we had to file for bankruptcy, during the meeting with the creditors 21 Mortgage would not come to an agreement with us and we have been trying to work out an agreement but have been unsuccessful. I have tried several avenues to work with 21st Mortgage but they have rejected each one. As of XX/XX/XXXX our home has been reclassified as a residential home and therefore should qualified for the loan modification. On XX/XX/XXXX my husbands attorney XXXX XXXX sent XXXX a letter giving them authorization to communicate with 21 Mortgage on his behalf, which I have enclosed. XXXX tried to contact 21 Mortgage to do a loan modification and they declined, stating the house and land was in foreclosure and could not be stopped. On XX/XX/XXXX @ XXXX XXXX tried contacting them again after my bankruptcy was filed, to request them to reopen the case for further review into a loan modification and they declined, stating they would not reopen the file without court order. XXXX has advised us to file a complaint with the Consumer Financial Protection Bureau, because 21 Mortgage is not acting within the law. 

On XX/XX/XXXX, I requested my bankruptcy attorney get a payoff amount, and he was unable to do so. I received a letter on XX/XX/XXXX informing me the house and land was in foreclosure, which only gave me 28 days to act. I contacted their Attorney for the payoff amount for the land only and they said I have to pay for both the land and the house, and this was my only option. Now, the original loan obtained from XXXX XXXX was for the land only in my wife, XXXX XXXX 's name, and my name XXXX XXXX as a co-signer. This current loan through 21 Mortgage does not have my wife 's name on it at all, according to the mortgage statements and the account managers at 21 Mortgage it is in my name only. According to my Attorney both loans have been combined, my wife 's name has been removed and there is nothing I can do about it. This has been a horrible experience for me and my family and I am trying to save my home, my land or both. Thanks for your help!