davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NC)

I bought a brand new car from XXXX XXXX in XXXX, NC in 2013. It was a lemon from the first day I drove it off the lot! I became Leary of the vehicle after numerous parts were defective on the car and broke down. I ask these people to please make this right and put me in a safe vehicle. They denied me over & over again. I had no choice but to volunteer the car back to them. They resold the vehicle, collected insurance money and have damaged my credit in the meantime! They ( Santander ) say I owe them {$10000.00}. They should have to pay me for the XXXX Ive been through about this horrible car! Please, somebody help me?
Consumer complaint received 2016-02-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Creditor's Collection Service, Inc. (VA)

I paid my co-pay and XXXX paid their part of the bill. These are extra charges never billed to me but ended up on my credit report. The Collection Agency had removed these charges but put them back on my credit report after I paid XXXX XXXX XXXX XXXX bills.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$31.00} XXXX XXXX XXXX XXXX  Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7800.00} XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$850.00} 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2018-06-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Received recurring phone calls from a company by the name of XXXX XXXX XXXX claiming fraud concerning an ace cash express account. First couple of calls were from New York. The last 20 calls have been from an unknown number. 
This message is intended for _______. My name is XXXX XXXX I'm contacting you in regards to paperwork I received in my office in regards to a pending allegation. Please appear to be originating in your local jurisdiction. simply (? ) getting you in a possible claim of fraud concerning Ace Cash Express account. This matter is directly affiliated with your name date of birth as well. 

Gave the phone number to call back : XXXX
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

Experian, and for that matter XXXX and XXXX and XXXX, continue to " report '' on my credit two debts that by their own admission are more than 7 years old. XXXX card alleges a fraudulent debt that isn't mine, but admits that the delinquency occurred and was first reported in XXXX of XXXX. Similarly, XXXX XXXX admits that a XX/XX/XXXX delinquency reported in that month is still on my credit. The LAW is that seven years from a delinquency, if the account is never again current is the MOST that an item can appear on your credit, period. Yet, Experian reports that these items will be on my report until XXXX and XXXX, which are more like 8 or 9 years ( see attachments ). These items must come off now. I attach my own Experian credit report showing that, as a matter of law, these two debts, which are fraudulent to begin with, are totally and completely as a matter of law over 7 years old and must be removed. Seven years from XXXX of XXXX is long past. 
Note the circled areas on the attachments to this complaint -- there is no doubt these items should have been removed in XXXX of XXXX.
Consumer complaint received 2020-02-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (VA)

Application # XXXX I have applied for a home equity loan with Discover Bank. My application ( #  XXXX ) was denied. I am told that it is because my debt-to-income ( DTI ) ratio does not fall within the guideline. I have inquired about the details. I was given some broad numbers on how the DTI was calculated. I have noticed that the rental income was off by about {$1000.00} per month, but the lender is not providing how they came up with the rental income calculation that leads to this number. 

I have asked XXXX XXXX ( NMLS ID XXXX ) who is the Senior Loan Specialist that I am working with fro details on how the income/loss of each property was calculated. She is stating that I she can not share any additional details.
Consumer complaint received 2023-04-04
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. (NC)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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
Consumer complaint received 2019-07-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (HI)

After using Western Union for years, a {$630.00} transaction was stopped. I was not informed even thought my contact information is on file. I was only made aware of an issue when the recipient went to receive the money. When I called Western Union, I was then informed that the transaction was flagged and I would have to contact a different department, via email, to fix the issue. Additionally I would not be able to use Western Union until resolved. Now one business day later still no response. In the last 2 years, I have sent 144 transactions to the same recipients totaling over {$40000.00}. Transactions ranged from {$1000.00} to {$3000.00} a month. These transactions are for mortgage payments, medical needs and financial support. I rely money transferring service to manage these needs.
Consumer complaint received 2019-07-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (TX)

In XXXX of XXXX I began the process for the Home Affordable Modification Program ( RMA ) Request for Mortgage Assistance due to a loss of employment the year prior which caused a lot of financial strain. The loa modification was complete in XXXX of XXXX. 

In XXXX of XXXX I reached out to Supreme Lending to try and do a cash-out refinance to pay off credit card bills and other pending expenses. The gentleman that assisted me in the process asked about the loan modification done in XXXX on multiple occasions throughout the process. I am by no means a mortgage expert so i trusted him in the process to guide me in the right direction. The cash out refinance was complete XX/XX/XXXX. 

In XX/XX/XXXX I received a letter in the mail from the US department of HUD stating there was a debt to be paid. I reached out to them directly and was not successful in getting in touch with anyone that could clarify to me why I had an outstanding mortgage debt if the only mortgage I had was my current home. Since I could not get a hold of anyone I reached out to the person that assistem me with the refinance but he never called me back. After a few more unsuccessful attempts to get clarification I reached out to a credit bureau to dispute the amount thinking it may be fraud. It wasn't until late XXXX when I was able to speak with someone from HUD in which they explained what happened. 

The loan modification done in XXXX split the amount owned on my home into two liens. The second lien did not have to begin being paid until the first one was paid off. This was able to lower my monthly mortgage payment to make it more affordable at the time. When the refinance was done in XXXX, only one lien was refinanced in the process. That triggered an early payoff on the second lien. I've consulted with multiple loan officers and they've all agreed that is not common practice. The person who was assisting me with the refinance should have caught that there were two liens on the home and advised me. I trusted in him and I feel he took advantage of that. 

I reached out to Supreme Lending in XX/XX/XXXX and have been dealing with a Compliance Specialist for their company. It is now late XXXX and have no resolution in the matter. I've emailed and called to try and get a resolution, but it feels like I'm getting the runaround. In the meantime, HUD has began to garnish my wages which is putting a heavy financial burden on my family and I.
Consumer complaint received 2019-10-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC. (WI)

Approximate XX/XX/2018 a loan was secured in my name for {$1500.00} this loan was given with the promise of 90 day interest free dues to excellent payment history. After 30 days my account was being debited for amount s that was excessively more that what I was sold. I was put in financial hardship due to the collections practices & the unwilling to resolve matter. I was turned over to a collections agency who then inflated the amounts owed by almost 45 % of loan amount without being in default of original agreement. This collections agency ( XXXX ) repeatedly violated my rights as a consumer, contacting family members, divulging false information and threatening me impersonating civil service officials.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CT)

My problem is with Chase Credit Service ; I DO NOT have a Chase Credit Card. The fact is that I'm getting 3-4 Chase Credit Services calls from 5 different states. I answer ; nothing but silence. Will you help me stop this harassment? Can I legally go after them for this? The calls are as follows ; all 2019 XXXX Illinois ( XXXX ) XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX Illinois ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX Texas ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Florida ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX Arizona ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Missouri ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

In XX/XX/XXXX Hud attempted to represent me in getting a modification, They attempted several times.My attorney XXXX XXXX began representing me beginning in XX/XX/XXXX letters and documents were sent requesting workout He sent a Letter Dated XX/XX/XXXX for confirmation of his representation. Mr.XXXX  sent SLS a payment of {$14000.00} In XX/XX/XXXX. It was returned. request for modifications from XX/XX/XXXX to present, letters of hardships and storm damages due to hurricane Irma were sent. SLS changes the contact person monthly I have never been able to speak to the assigned teller.I have requested to speak with the XXXX  XXXX XXXX XXXX   XXXX to no avail. Court mediation with the Magistrate orders to submit another request for modification did no good.Their attorney even tried to help me.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OR)

I applied for and received a Chase Sapphire Preferred credit card. The promotional offer promised a waiver of the {$95.00} annual fee for the first year. On my very first statement, they charged the fee. 

I contacted the company to request the waiver, and included a screen shot of the offer. They replied, " [ We ] apologize, but we show that the offer applied on your account doesn't have a first year annual fee waiver '' without any other explanation.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

On XXXX  i received a copy of my credit report and seen i had some mistakes listed. i sent out 3 letters out to the credit bureaus stating there had wrong address listed. I have not heard or seen any results its been 30 days. I have not received anything in the mail or via email that it is even being investigated here is a copy of the letter as well as the tracking numbers to the certified mail.
Consumer complaint received 2019-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

A person sent me {$850.00} using Venmo on XX/XX/XXXX, Venmo allowed me to transfer the money to my bank on XX/XX/XXXX. When the transfer didn't happen as scheduled I called Venmo on a recorded line to ask why is there a delay. They informed me that the FTC ( federal trade commission ) is reviewing my transactions and it will take up to three business days for that review to conclude. They did not advise me of a review prior to my inquiry nor would they tell what the review was for. I asked for my call to be escalated but they refused.
Consumer complaint received 2019-07-26
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. (NC)

XXXX XXXX XXXX pulled my Equifax report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. Equifax was provided a copy of the letter after 30 days went by and the inquiry not being removed. Equifax stated XXXX XXXX XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.
Consumer complaint received 2019-06-11
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. (VA)

XXXX XXXX I mailed my monthly payment to XXXX as I have always done for my student loan payment. I have always paid my student loans on-time every month with a 100 % on-time payment structure. On XXXX XXXX I receive a notification saying that my five of my accounts with XXXX are 90-140 days past do. I called XXXX and they stated that it was reported as a mistake. They show that I am a full-time student with loans in deferment mode. They showed that they are receiving a {$30.00} payment per month as well. Although, my payments are not required, I still make payments to maintain my good credit score. My score has dropped due to this mistake from a XXXX to XXXX. I have never had a low score and I am asking if someone will please correct this. I struggle to make a monthly payment to XXXX monthly and this is an insult. Thank you for allowing me to place this complaint as something needs to be done in reference to student loans being able to do this to people.
Consumer complaint received 2022-10-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CLGF Holdco 1, LLC (MO)

I was charged for dental services I never received. I canceled the appointment but the credit company charged me for the services even before the appointment, refused to remove the charge from the credit card and close the account. I never wanted the card. I feel the dentist forces the process on the patient under duress situations. I scheduled for a routine cleaning and was charged for something totally different. 

I contacted the company to resolve this debt and was informed that it was a medical debt that was given to a third party without my permission. 

This HIPAA covered entity and their business associates shared my medical information without my permission or having signed a medical release. My privacy has been violated, security and records have been breached.

I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this contract is valid. 

Please stop reporting this violation to my credit report until this has been fully validated. I did not give consent to have my private, medical info shared. 

The HIPAA covered entity provide debt validation for the bill in question. 
Please provide a breakdown of all itemized costs. 

Copy of my signature on a release showing that I gave permission for my information to be shared. 


Affidavit under the penalty of perjury that you have not violated my HIPAA, FCRA, FDCPA rights have not been violated.
Consumer complaint received 2019-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have worked in the public sector for almost my entire career. I consolidated my student loans in XX/XX/XXXX ( all Unsubsidized and Subsidized Stafford Loans ), that I accrued while attending XXXX XXXX at XXXX, as well as XXXX XXXX at XXXX, from XXXX. I have been making payments on those loans since XX/XX/XXXX, with a few deferments here and there because life happened. In XX/XX/XXXX, I asked my loans to be transferred to MYFEDLOAN from XXXX, my prior servicer. I also have record of all of my years of payments to XXXX, but the most recent few years of payments to MYFEDLOAN accompany this complaint. I changed loan servicers to MYFEDLOAN to begin the PSLF process, as I had worked for the 10 years the PSLF program required. MYFEDLOAN stated, after review of my application, that I had been placed on the " level '' repayment plan, vs. the " income based '' automatically, years ago, and therefore NONE of the payments I have made since XX/XX/XXXXhave counted towards PSLF. I was never told of this change. In addition, since I have transferred my loans to MYFEDLOAN in XX/XX/XXXX, NONE of those payments have been counted toward forgiveness, despite repeated phone calls to MYFEDLOAN. The record of those payments accompanies this complaint, and I have all documents covering payments made to XXXX as well. I would like my loans forgiven, as promised. I also want my last few years of payments to be counted toward forgiveness, because I am enrolled in the right repayment plan, and MYFEDLOAN still refuses to count those payments.