davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OK)

I requested a {$4000.00} loan from SpringLeaf Financial. Springleaf contacted me via e-mail and stated I was approved for the loan. When contacted, I was told and I have in writing that I would be saving on interest. Springleaf made me sign everything digitally and did not provide me with the documents. Additionally they took my vehicle title and will not return it. The interest rate of the loan is 25 % my original loan was 11.34 %, therefore my interest rate more than doubled.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I called XXXX/Experian/XXXX after I purchased a credit report with XXXX After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-20
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. (GA)

On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding XXXX XXXX XXXX XXXX. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way
Consumer complaint received 2019-07-17
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: BARCLAYS BANK DELAWARE (HI)

I was charged {$4900.00} on XX/XX/XXXX by ( XXXX XXXX ). I did not receive the services that was promised. I tried to work it out with the owner XXXX XXXX after filing an complaint in XXXX. I have record of all of our correspondence including his admission that his poor business decisions were not my problem ( from email dated XX/XX/XXXX ) and he would be in breach of contract if he did not deliver the product by XX/XX/XXXX ( from email dated XX/XX/XXXX ). When i held him to this and offered him the option of a payment plan, he became very aggressive and refused to cooperate. He claimed that he had been waiting for my response which I believe to be untrue. I had no problem receiving his email when I filed the first complaint or his responses after. He then stated he would consider the matter closed and deliver the product mid XXXX, XXXX ( from an email dated XX/XX/XXXX ) which i have not received to this date. I even went to the website he provided me that was to track all of our correspondences which I am unable to log into. You can find this information in our entire email correspondence that I have attached. If XXXX XXXX refuses to issue a full refund, i will make a formal consumer complaint in the state of California and Hawaii.
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect (MI)

I was notified by Americollect that I owe XXXX dollars. When I asked for proof, they gave me no proof of me actually owing the debt. Instead they attempted to get me to give them info to " confirm the debt '' I would not, they have contacted me too many times without giving me information that confirms my debt. They are not licensed to collect in my state, they therefore have no right to even collect the alleged debt that I do not owe.
Consumer complaint received 2019-09-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Called wells fargo as they are charging me a whole months of interest and FHA is charging me a whole month of MI for XX/XX/XXXX even though I am refinancing and closing on XX/XX/XXXX. It is {$4800.00} dollars total that I am being robbed off ... this is completely absurd, unfair and ridiculous that these companies even get by with these kinds of things. FHA loans are for people who are already tight on money and to top it off, these companies want to steal peoples money for no reason. I am NOT paying 23 days of interest and mortgage insurance as it is not being serviced for those days and I will need to pay those on the refinance side. The wells fargo person I spoke with is XXXX XXXX. Her number is XXXX and her extension is XXXX. Please resolve this matter ASAP. Consumers should NOT be treated like this ... what kind of an unfair and terrible system is this where by companies are allowed to charge money to consumers as they please. Ridiculous.
Consumer complaint received 2021-07-21
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. (MS)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NY)

I applied to LoanDepot to refinance my mortgage on XX/XX/XXXX. I signed the paperwork with a notary on XX/XX/XXXX. The loan now has still not been finalized and refinance. LoanDepot bungled this up every step of the way. The refi should have taken no longer than a maximum of 60 days as I was told in XXXX. This was important to me because my dream home was up for auction on XX/XX/XXXX which I wrote both the loan processing officer and the lending loan officer. As of today, the loan is still pending and despite my please to give me updates the company is largely unresponsive with generic answers such as we will let you know when we know, etc. I found the entire process unprofessional. XXXX XXXX, the lending officer was great, but the loan processing officer was horrible, his name is XXXX XXXX and he was taken off the case. At one point he threatened me that he could decide to just cancel the entire loan. 3 or 4 weeks ago they assigned someone else to the case. Her name is XXXX XXXX. While she was very friendly I have not heard much from her since.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2019-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

The company Credit Systems at XXXX XXXX XXXX XXXX in XXXX, Texas reported a medical debt to my credit and caused a drop. 
I have never been notified of this debt, an amount owed in this amount, or contacted by this company. 
Looking up this company online they have multiple cases of this exact scenario.
Consumer complaint received 2017-07-20
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: Experian Information Solutions Inc. (TX)

After reviewing a copy of our credit report my husband and i noticed several items that were incorrect.We sent letters to the credit bureaus in XX/XX/XXXX with a request to review our reports and investigate the items. We have received ZERO response. We did move, but we have a forwarding address through the post office. I had forgotten about sending the letters and am just now circling back to this. Our credit scores are BAD, and there are many items on there that are completely incorrect. I am frustrated that there has not been a response already, and that i am having to spend extra time and energy to spend additional time that i do n't have. My scores are bad because items are not correct and the credit bureaus should have to fix them and to report to me in a timely manner. the law says 30 days. 3 months is way more than 30 days and i find this unacceptable. WE are held to standards and suffer consequences based on the scores they report ... why are THEY allowed to do this. I expect a response in LESS than 30 days and these items MUST BE verified. If they are not ... I will continue to file complaints to the bureau for at the very least- wasting my time and energy. I have attached the items that i sent, including my id.
Consumer complaint received 2015-11-11
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Cooper Hoffman Klein Associates (OH)

This company named Cooper, hoffman, klein and associates, has hounded me by telephone, at my home, work and my mother in law. They have used foul language at my place of work when asked to not contact me any further, they used the XXXX word to our receptionist at work, That persons name was XXXX, then I spoke to her I repeatedly asked her to not call me, I do n't know what she was speaking about in regards to owing something, I told her to send it to me by US mail, she told she did n't have to do that and that I was to pay up right then. They continue to call under many different numbers with automated messages, after they have been asked to stop many times. 
They have done every communication attempt in total disrespect! 
Frequent or repeated calls, Threatened to take legal action, general herrassment!
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

This would be my 2nd complaint about Synchrony Bank. The company is now making false accusations and false narratives, sending me letters after the fact that I sent out a cease-and-desist letter. In a letter dated XX/XX/2021 Synchrony Bank accuses me of claiming that the alleged account was opened fraudulently. Never have I claimed that or made any such statement of the sort. I have stated that the bank itself operates in a fraudulent manner. 
I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. Synchrony Banks silence and disregard for the affidavit is their way of saying my testimony is true and indeed fact. I sent them a promissory note valued at {$10000.00} to pay for the alleged debt, Synchrony Bank stated that they would not honor my payment. Lastly, I have sent in a proof of claim letter asking Synchrony Bank to prove where the money came from since according to 12 U.S.Code 1431 the banks dont have money to lend. I have the right to rescind. Synchrony Bank has not responded to any of my letters. They have no regard for the law or me as the consumer. I have mailed all letters and evidence to Synchrony Bank via certified mail, and I have the receipt as proof. Lastly, Synchrony Bank owes me monetary damages of {$55000.00} due to willful noncompliance, FCRA & FDCPA violations, and monies that had been paying although the account was prepaid for by the U.S. Federal Reserve.
Consumer complaint received 2017-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (FL)

THIS COMPANY IS TRYING TO SETTLE THIS DEBT WITH ME AND ITS NOT MY DEBT. SO IM ASKING FOR PROOF OF CLAIM. I WANT TO SEE MY NAME SIGNED ON A CONTACT. IF THIS COMPANY CANT SHOW IT HAS TO BE REMOVED.
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I purchased a vacation rental through XXXX and paid through Paypal for the full amount of {$1500.00} for a vacation scheduled on XXXX. On XX/XX/XXXX I was informed the property was sold and my vacation rental was no longer available. I was told to request a refund through Paypal. On XX/XX/XXXX I opened a claim through the Resolution Center. It was immediately closed stating since I didn't file within 180 days my case was closed. I was never informed until XX/XX/XXXX the property was sold and that was only after I initiated the conversation as I never received details regarding my upcoming vacation. I simply would like my money back for a vacation that I did not receive.
Consumer complaint received 2021-07-21
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)

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of these inquiries contains information that contributes to the alleged experience and transaction between I, the consumer and the creditor.

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of these inquiries violates this.

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report these inquiries to any consumer report. 

As a consumer, and the original creditor I, XXXX XXXX, am seeking the following remedy from Equifax for these violations : The removal of the inquiries listed below XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2019-09-28
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. (CA)

There are 3 accounts that are reporting late on my credit report, I was never late on any accounts on my credit report. I wrote a letter to the 3 Bureaus Transunion, XXXX, and XXXX  on XX/XX/2019 and asked them to investigate and to please delete the error. 
They verified as accurate, which is impossible because I am certain I was never late, So i sent another letter on dated XX/XX/2019 and sent it certified with signature so I know it was received by XX/XX/2019. I asked for method of verification and proof of how the investigation was conducted and who conducted it. I never received any documents or what I had requested. I am asking for them to please delete the error or send me proof of how they came to the conclusion of how it verifies accurate. I would like some type of resolution.
Consumer complaint received 2022-12-01
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. (PA)

On XXXX XXXX I recently obtain a copy of my credit report and found many errors reporting on all three credit bureaus, including hard Inquiries that was Unauthorized. On XXXX XXXX I sent a Certified letter to all credit bureaus, XXXX & Transunion being two out of the three regarding unauthorized inquiries reporting. I XXXX XXXX waited 2 weeks for a response. I contacted XXXX & TransUnion via phone on XXXX XXXX and stated this matter, XXXX Representative stated that I have to call the lenders one by one and state that these Inquiries are reporting also they don't have Access to disputing Inquiries over the phone, I have to dispute online. TransUnion Representative Stated I need a police report.I XXXX XXXX Disputed the inquiries online with XXXX on XX/XX/2022. XXXX stated it would take XXXX XXXX to complete the Investigation. On XXXX XXXX I gotten a emailed from XXXX stating my Investigation was complete and it stated The hard inquiries was verified.Their method of verification was not Thorough as stated in the letter ( pdf ).
Consumer complaint received 2021-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I submitted my request for Public Service Loan Forgiveness after completing 120 payments while working for a non for profit institution in XX/XX/XXXX. After waiting 3 months I received a denial letter in XX/XX/XXXX with no rationale as to why I was denied. I contacted Fed Loan Servicing who informed me this letter had been a mistake and that the loan forgiveness was still being processed. Now 6 months later I have not received an update and the company says they are still processing. Please help!
Consumer complaint received 2021-03-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Colony Brands, Inc. (WA)

XX/XX/XXXX XXXX XXXX started charging me 2 interest rates on my 1 XXXX XXXX -charge account This is a credit card that can be only used to make perches on the XXXX XXXX web sit. I have had this account since XXXX AND HAVE NEVER BEEN LATE ON A PAYMENT OR MISSED A PAYMENT,,, I have been charged 23.94  % interest since XXXX, XX/XX/XXXX XXXX XXXX added a second interest rate of 25.99 %, 1. I was not give 45 days written notice and the option to opt out 2. i have never been late or missed a payment EVER 3. no part of my payment goes towards the balance i am paying 25.99  % on, the whole payment is being applied to the 23.99 % balance 4. I contacted XXXX XXXX through colony brands and was told he could not help me because he could not access my account. 
5. I am being doubled billed ie when viewing my statement they lust last months balance this months balance and. new charge balance based on a daily balance for a 30 day billing period THIS IS DOUBLE BILLING,,, I have ALL STATEMENTS SINCE XXXX BUT CAN OLY INCLUDE 3 months of statements due to file size limit therefore I will provide 15 months of statements if requested 6. please note the 2 interest rates and the 25.99  % balance HAS NOT RECEIVED ANY PART OF MY MONTHLY PAYMENT AND HAS CONTINUED TO BE CHARGED 25.99 % NO PAY DOWN this a clear cut improper allocation of payment 7. I had to close my XXXX XXXX account because of FRAUD and they are reporting my account closed ultimately lowering my credit score however NOT ONCE DID XXXX XXXX REPORT MY PERFECT CREDIT HISTORY XXXX XXXX CUSTOMER SERVICE TOLD ME THEY FO NOT REPORT ON TIME PAYMENTS, I have never missed a payment but am being punished for closing my account because colony brands could not protect my account against fraud and even though i closed my ACCOUNT I STILL MAKE MY MONTHLY PAYMENTS ONTIME
Consumer complaint received 2021-04-14
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: WELLS FARGO & COMPANY (LA)

I have not had a loan for a vehicle for myself in over 10 years why are they still appearing on my credit report I have no knowledge of that loan. I want a copy of my credit report and proof that it was I that was supposed to be on that loan.Cause me and my spouse are not on the same account as I have removed with her a long time ago.However my spouse and my son did o pop purchase a vehicle in 2018 and I was not involved in that transaction action.However this keeps popping up on my credit report my son and I have the similar first name, So I want a copy of my credit report saying that it was me on the loan. I have been doing a lot of research and Im suspicious of my spouse using my credentials cause I have the superior credit score, And if thats the case I want it removed from my credit report cause I am pursuing criminal charges
Consumer complaint received 2022-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED AUTO ACCEPTANCE (GA)

On XXXX XXXX I mailed United auto acceptance a cease and desist, affidavit of response and notifide bill of particulars and they received them on XXXX XXXX according to tracking number XXXX. I demanded United auto acceptance to clear out my debt to XXXX dollars to the XXXX, and XXXX my down payment of {$5000.00}. I gave them XXXX days to respond to my cease and desist and to pay in full and have not received a response.