davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BRAUFMANN, LEIGHMANN & ASSOCIATES (IL)

Received phone calls from Braufman. Leighman and associates They said I owed a debt from XXXX XXXX XXXX Account from 2014 in the amountvof {$2800.00} They said I would be served papers at my job They had me sign XXXX and pay a lower amount to take care of this
Consumer complaint received 2019-08-03
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: CL Holdings LLC (CA)

Dates : Every 30 days, every month Amounts : $ XXXX- {$1200.00} Collections agencies are reporting accounts as " late payments '' on a monthly basis in violation of FRCA 611 ( a ). 
I have attempted to file disputes with the bureaus but the response is that the accounts are in compliance with FCRA and i'm not sure what that means.
Consumer complaint received 2019-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

XX/XX/XXXX payment made on boat loan # XXXX. Check did not clear my bank so I called and was told it was processed in a different amount on XX/XX/XXXX. I informed customer service that I had written the check for the correct amount and gave the number of the duplicate check I kept. Was told I could send a letter and they would check it out. I reached out to branch in XXXX Ohio where a manager named XXXX assisted me, got a person on the phone for a 3 way call, and was told by that individual that she could see the image of my check and that it was written for the correct amount. At that time I was given a case number XXXX. I was told they would process the check in the correct amount and I would receive a letter. I let some time pass, then called to check again. At that time, the customer service representative could not find anything under that case number. I had additional conversations with XXXX and XXXX who then passed it off to a regional manager named XXXX who never called me. 
Additional calls to customer service netted another case number and, finally, a contact with a woman named XXXX XXXX with whom I never actually spoke. I contacted managers through customer service and reached a manager named XXXX and another named XXXX, both of whom were very friendly but unable to assist me. 
In the meantime, I received calls from collections since the original payment which was posted in the wrong amount was reversed out. I gave the collections department the case number and learned that they do not communicate in any way with customer service, however, they did make notes on my account that I was working with customer service on the issue. 
The customer service person ( XXXX ) has offered two versions of what happened. The first version was that I wrote the wrong amount on the check in the legal line. The second version was that I never sent a check and someone else 's check was applied to my account. Story number two was delivered by yet a third manager named XXXX. XXXX suggested I make an extra payment to the account so that it appears current while they investigated. He suggested they could possibly back date that payment and correct my credit report. I made the payment within the 10 day window ( XX/XX/XXXX, letter ( attached ) dated XX/XX/XXXX and received on the XXXX ) but negative information was entered into my credit report prior to XX/XX/XXXX when the additional payment was made and before XX/XX/XXXX which, on my calculator, would be 10 days. 

XXXX subsequently indicated this would not be possible because he has no way of believing I ever sent a check -- even though one person saw the image in the process, and another claimed I wrote the check but put the wrong amount on the legal line. 

I will be paying off the loan in full tomorrow but I want my credit report corrected and acknowledgment of the image which exists at the bank so that I can deal with the outstanding check in my account.
Consumer complaint received 2019-10-18
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. (NY)

THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTER FROM THE ONE WHO BROUGHT THE ACCOUNT YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE CREDITOR THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTER FROM THE ONE WHO BROUGHT THE ACCOUNT YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE CREDITOR THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING
Consumer complaint received 2019-10-18
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED DELINQUENT ACCOUNTS THAT ARE REPORTING INACCURATELY ON MY FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-10-18
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: Credit Protection Association, L.P. (MS)

CREDIT PROTECTION ASSOCIATION - has illegally reported inaccurate information on my credit file. XXXX XXXX was paid on time every month per the established payment arraignment. The file was sent to CREDIT PROTECTION ASSOCIATION whom began illegally reporting a balance that was never delinquent or in default. After speaking with several representatives at the business on XX/XX/2019. I was told by a supervisor that the inaccurate information would be deleted from my credit file upon their next update to each credit bureau. As of XX/XX/2019 the inaccurate information is still on my file. I called CREDIT PROTECTION ASSOCIATION again on XX/XX/2019 and they are not holding up to their end of the agreement to remove the inaccurate information from my file as advised on XX/XX/2019. This issue is a violation of the FCRA. 

CREDIT PROTECTION ASSOCIATION Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

15USD 1681 section102 States I have the right to my privacy.

Section 604 It also States a consumer reporting agency can't furnish a account without my written instructions.

15USC1666B A creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-18
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. (NY)

THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTER FROM THE ONE WHO BROUGHT THE ACCOUNT YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE CREDITOR THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanSnap, Inc. (GA)

In XX/XX/, I received a letter from XXXX claiming I didn't pay my property taxes. Since the inception of my mortgage, my property taxes have been paid timely automatically from my Escrow. However, LoanSnap calculate and factor in adequate property taxes into my refinance mortgage, causing me to receive an embarrassing rebuke from the County, for which, I entrusted this responsibility to LoanSnap at inception and closing of refinancing of my mortgage. Due to LoanSnap 's error, my escrow accout was short one of the two required property tax payments to XXXX, in which unexpectedly set me back ~ {$2800.00}.
Consumer complaint received 2019-08-03
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ascendium Education Group (DC)

I have received these fraudulent Credit collections on my XXXX Credit Bureau Report from ASCEDIUM EDUCATION/NAVIENT/USA FUNDS. I have sent a letter to the company and XXXX dispute stating that I want them removed. I have never taken out a Student Loan and I want these collections removed!
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEAD MERCANTILE CO., INC. (OH)

I sent them a debt Validation letter in the mail and didn't get a response, so i sent another letter, this time I sent certified mail, and I have proof that it got delivered. This is what i am asking for in my debt validation letter. 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 2. Proof of Ownership : I request proof that your agency has the legal authority to collect the debt, including a copy of the assignment or purchase agreement from the original creditor. 3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 4. Copy of the agreement : Kindy provide a copy of the signed contract or agreement, that demonstrates my obligation to pay this debt. 5. Documentation of your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant State and Federal laws
Consumer complaint received 2019-10-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (FL)

On XX/XX/2019, I set up an extended graduated repayment plan. They put me on an administrative forbearance while they calculated the new terms and got approval for the new repayment plan. I got the new repayment plan for {$540.00} a month beginning XX/XX/XXXX and increasing the payment every 2 years over 30 Years. I made the payments on time in XX/XX/XXXXand XX/XX/XXXX. I went in today to pay my XX/XX/XXXX payment and the payment was {$700.00}. I called and ask them to fix it. 

They told me that when they put me in the administrative forbearance, they capitalized the interest. Over {$40000.00} was added. They calculated the new payment plan without the capitalized interest. The payment automatically went up to {$700.00} a month after the interest capitalized. I never asked for the forbearance and dont think the capitalized interested should have been added since they put the loans into a forbearance so they could get approval for the new payment plan. 

Today when I talked to them, they said they would put in a request for the capitalized interest to be reversed, but it would take 7-10 days to get approved. My payment is due in 7 days. They wouldnt let me talk to a manager and said none were available. I was on hold for a while before a representative came on the phone and said she would put in a request, but she was not a manager and none were available. ( Her employee ID was XXXX ) They also said they could not reverse the {$700.00} payment that was due for XX/XX/XXXX, and put in another request for a forbearance since I can not afford the higher payment. 

It seems like an abusive practice to put a student loan in an administrative forbearance just to get approval for the new repayment plan, and then add so much interest that the payment plan they approved is no longer available. I cant afford the higher payment. 

My servicer is FedLoan.
Consumer complaint received 2017-11-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CarMax, Inc. (FL)

I have decided to go through my retail contract and it seems that I am paying too much for my vehicle. My interest rate is 13.45 % and my finance charge is {$12000.00} over 72 months and amount financed is {$25000.00} with {$0.00} down with a monthly payment of {$530.00}. Now at the time when I financed the vehicle, my credit score was XXXX. Im not sure why my rate is so high and why my finance charge is through the roof. Every time I make a payment it doesnt seem to put a dent in my over all balance. How is it that I purchased the car XXXX/XXXX/XXXX for {$25000.00} and still owe {$25000.00} as of XXXX/XXXX/XXXX. I am beginning to feel like I am a victim of credit manipulation and now my credit is suffering because the payments are not being applied accordingly. I would like to have my contract evaluated because the numbers do not add up. And furthermore, there is a warranty on my contract that was never discussed with me and I never agreed upon.
Consumer complaint received 2022-12-16
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. (SC)

Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX, Experian and/or XXXX ) credit report XXXX My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 


Inquiry details XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

It wasn't any of those problems with the company. What happened was I got an email and phone call from someone who claimed it was from this company and they had all my information. They just wanted me to verify it and I did. Then I received another phone call about 20 mins later stating it was this company again. He was asking for my info and I said you all already have it because I spoke to someone, he got upset and I hung up. So I called the local branch and found out I was denied the loan and that no one has called me. I got the headquaters number and found out they had no one by that name working there and there was no record of someone from the office calling me. So some how someone got my info from this company ( when I probably applied online ), called me and made sure all the info was correct. This company didn't make that call.
Consumer complaint received 2019-08-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (CA)

I tried contacting bluebird they would not help me it won't allow me to register my account saying that its permanently suspended which is XXXX and they saying it's fraudulent which is not true my card was stolen I sent in for replacement abd never received it I created a family account got that. Card but not the other thus is XXXXs as XXXX  unfair I I have had my identity stolen 3 tines prior and now I'm dealing with the 4th dye to XX/XX/XXXXs XXXX   leak I just want to be able to use my account due to not being able to get a real bank account
Consumer complaint received 2019-10-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

XX/XX/XXXX my house went into forclosure my mom passed left house to me but loan was still in her name when we came to agreement to continue payments i was told by fay to  get my home owners insurance so i did it was sent over 3 times i have record of it they continue saying they never got never got it my insurance company called several times and come to find out they fay was chatging me insurance for a whole year wen i had my own they say they sent sent check refund never got it everytime i call i get no answers no returned calls nothing i have made several complaints and no response i need my money for all the insurance they charged me additional. For a whole year XX/XX/XXXX to XX/XX/XXXX Account XXXX XXXX ( deceased ) Account holder now XXXX XXXX Account number XXXX
Consumer complaint received 2019-06-26
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. (CA)

US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX XXXX XXXX DEPT XXXX XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX accounts do not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I have a student loan but they are not the one.. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

On or about XXXX 2017- I was purchasing XXXX XXXX airtickets ( XXXX for me and another for my sisters ). While I was doing that - there is screen while booking the ticket that is very  confusing and deceptive ( clear violation of UDAAP ). That verbiage suggested that If I will apply for this delta skymiles card  from american express today - I will be getting {$100.00} statement credit. But today when I was chatting with XXXX ( Amex Customer service ) - it came out to be totally different situation. I come to know that one has to use this new delta skymiles card from amex to make delta eligible purchases to get {$100.00} statement credit - it 's very very misleading and confusing. How come somebody can use the card when they do n't have it in front of them??? Moreover XXXX XXXX XXXX card - reveals the physical card details after applying for that via the XXXX XXXX mobile wallet app. Amex or Delta - did nothing like that. If they ca n't have the mobile wallet kind of app - at least they can use the usersession to record that transaction as if it is made using the newly approved card. It 's clear violation of UDAAP. Why one will apply for the credit card ( and XXXX up the credit score ) when they cant ' avail the benefits at that moment or get the reward. This is deceptive, misleading and false advertising by amex. Moreover on that page due to some technical issues - it considered as if I applied twice for this credit card. So it impacted my credit score twice. Why in the world Amex think that somebody will pay {$95.00} annual fees for a card which has so much misleading, deceptive and false wordings and that 's how it seems Amex is making money. Worst thing - their chat has a lot of wait time, ca n't be expanded, ca n't save the  contents and they never offer to send the contents by email or other means. when i tried talking to XXXX 's supervisor - XXXX - after few interactions - the chat is closed also- which means the moment I asked tough questions - they closed the chat. There is something wrong. This scandal/scam is as big as XXXX XXXX making folks fake accounts. Amex is tricking people to open the credit card which has annual  fees also to make money out of them. This should be stopped. No other credit card issuers are involved in this kind of UDAAP violation.
Consumer complaint received 2021-04-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently pulled my credit report and noticed 2 hard inquiries on my report without permissible use. According to the FCRA they should be removed. Can you help with deleting these inquiries.