davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery has called from this number : XXXX several times. The real problem is that the caller ID indicates the call is coming from XXXX XXXX, and not Portfolio. This is a very deceptive method, and if it is not illegal, it should be. Claiming to be another company to intentionally deceive the recipient of the call just to collect on a debt is wrong.
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act the Department XXXX Education/XXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-07-14
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. (TN)

XXXX XXXX XXXX XXXX XXXX ( AKA ) XXXX XXXX is inaccurately report a loan # XXXX as " Derogatory '', " Payment Plan '', and " Included in Chapter XXXX ''. This is absolutely false. The loan of {$350000.00} was originated with XXXX XXXX on XX/XX/XXXX and transferred to XXXX loan # XXXX on XX/XX/XXXX. 

My Chapter XXXX was not filed until XX/XX/XXXX. 

XXXX had been paid a year before the Chapter XXXX as the mortgage loan was transferred to XXXX. XXXX had nothing to do with the Chapter XXXX, yet the company continues to falsely report inaccuracies and impinge on my credit. 

I completed my Chapter XXXX in 2 1/2 years on XX/XX/XXXX and paid all my creditor 's claims in full.
Consumer complaint received 2018-07-14
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. (TN)

XXXX XXXX XXXX XXXX XXXX ( AKA ) XXXX XXXX is inaccurately report a loan # XXXX as " Derogatory '', " Payment Plan '', and " Included in Chapter XXXX ''. This is absolutely false. The loan of {$350000.00} was originated with XXXX XXXX on XX/XX/XXXX and transferred to XXXX loan # XXXX on XX/XX/XXXX. 

My Chapter XXXX was not filed until XX/XX/XXXX. 

XXXX had been paid a year before the Chapter XXXX as the mortgage loan was transferred to XXXX. XXXX had nothing to do with the Chapter XXXX, yet the company continues to falsely report inaccuracies and impinge on my credit. 

I completed my Chapter XXXX in 2 1/2 years on XX/XX/XXXX and paid all my creditor 's claims in full.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Ace consistently took money out for payments on the wrong agreed dates, my account stayed in overdraft, and I would get overdraft charges Everytime they tryed to run a payment through my account.
Consumer complaint received 2019-07-09
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: CITIBANK, N.A. (NJ)

I purchased a vacation using my Citicard Mastercard on XX/XX/XXXX for {$5500.00} which was scheduled for XX/XX/XXXX. I had until the end of XXXX to cancel this trip with the merchant which I did on XX/XX/XXXX. I received a verification from the merchant that I would be receiving a refund. It did not appear on my next credit card statement so I contacted the merchant again on XX/XX/XXXX to inquire as to the status. The hotel reservation associated with this vacation still showed my name as a paid guest on XX/XX/XXXX. I did not receive a response from the merchant. When I checked again with the hotel on the date the vacation was to begin, XX/XX/XXXX, they showed my name as a cancelled reservation but I still had no credit on my credit card statement in XXXX or XXXX and at this point the merchant no longer had a website. I contact Citicard 's dispute department and I was sent a form to complete which was done and returned on XX/XX/XXXX. I was subsequently contacted via e-mail by Citicard to gather more detailed information on the matter. I wrote a letter and attached copies of all email correspondence I had with the merchant. I received an email again from Citicard that my dispute had been declined as I had not filed it within the time frame required which, I believe, would have needed to be done within 60 days of the purchase. Since there was 10 months from the time of purchase to the time of the expected vacation, that time frame would have never been met. Citicard asked me to try to contact the merchant again directly ( whose website was now back online ) which I did but received no response. I wrote to Citicard again indicating my attempt to contact the merchant and also expressing my disappointment at their failure to assist me. They re-examined the matter and tried to reach the merchant also with no success. I have been told again by Citicard that my dispute has been declined. I feel that I have been punished unnecessarily as Citicard 's required time for filing a dispute could never have been met. In addition, I tried to resolve this matter for myself before involving Citicard which was of no benefit and unappreciated. If the merchant is not responding to Citicard, it is they who should be penalized. I recognize they also have rights and protections with Citicard ; however, they are not cooperating in this matter and I have provided written documentation and complied with all of Citicards requests in an attempt to resolve this issue. If this was always a matter of failing to file the dispute timely, then Citicard should not have requested information, documentation or action from me from the beginning, much less continuing to do so. My last conversation with Citicard was on XX/XX/XXXX in response to their last rejection of my claim and the representative offered me a {$250.00} payment as a As a result, I feel I should be refunded this purchase.
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

The account in question has been closed for years now, but I still make payments on it. It ends in XXXX. Anyhow, a payment is due on every XXXX day of the month. Last month, on XXXX-2017, I submitted a payment of {$21.00} XXXX the minimum was {$20.00} XXXX. They will not allow you to submit a payment online without meeting the minimum. Anyhow, Citibank claims that I did not send in any money. However, I have proof that I sent in a payment ; they may have not deducted it from my account ; which is not my fault. I had enough money in my bank. I should not be charged any late fees for this for the month of XXXX 2017.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX IS STILL REPORTING ON MY CREDIT AND THEY ARE IN VIOLATION. I WROTE THEM MANY TIMES TO VALIDATE THE DEBT AND NO RESPONSE. I SENT THEM A POLICE REPORT AND ITS STILL REPORTING ON MY CREDIT. I NEED IT TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX IS STILL REPORTING ON MY CREDIT AND THEY ARE IN VIOLATION. I WROTE THEM MANY TIMES TO VALIDATE THE DEBT AND NO RESPONSE. I SENT THEM A POLICE REPORT AND ITS STILL REPORTING ON MY CREDIT. I NEED IT TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (PA)

I closed on a mortgage with Provident Funding onXX/XX/XXXX. I have escrow billing for my taxes and insurance. On XX/XX/XXXX, I received a letter from my insurance provider, XXXX XXXX, that they had not received payment from Provident and that my insurance premium was overdue.
On XX/XX/XXXX I received a notice from XXXX XXXX that my bill was past due. They still had not received payment from Provident, which is holding my funds in escrow and is the mortagee responsible for paying the premium. OnXX/XX/XXXX I uploaded a copy of this past-due notice to my Provident Funding online account. It was marked as 'processed ' by Provident on XX/XX/XXXX. On XX/XX/XXXX, I contacted Provident via the website 's Contact Us page form to confirm the receipt and to find out when I can expect this bill to be paid. It is XX/XX/XXXX and I have yet to receive a response and XXXX XXXX still has not received payment for this premium.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act the Department of Education/XXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-05
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

In accordance With fair Credit Reporting act, XXXX XXXX XXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section2 : also states a consumer reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-05
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. (FL)

iled dispute with Transunion. Disputed XXXX XXXX and XXXX XXXX. This was not investigated all that Transunion did was take some info, from the companies and accepted that. I want to know how this was investigated and a copy of the information to include my address and home. 
These are not my accounts nor are they the collection companies. The companies did not show proof of ownership. 
Remove this from my credit.
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act : TEXAS XXXX XXXX XXXX # XXXX Amount : XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX has 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act the Department of Education/XXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-05
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. (MN)

on XX/XX/2022 I sent a letter regarding some inaccurate and unknow items on my credit report. To this day over 35 days ago I have not gotten a response at all. Am I being taken advantage of or something for my disputes? in section 611 ( a ), it says that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 35 days so the items listed should my be deleted from my report immediately due to law. I demand that these accounts be removed promptly or I will be forced to file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of a hacker.
Consumer complaint received 2017-09-07
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. (IL)

I have called, faxed, sent letters in regards to two items on my credit report that Are fraud accounts, I have requesting the agency send me physical proof on how they are verifying me and after several attempts they are not sending me any proof, they just keep saying verified. At the time these accounts was opened in my name I was in police custody. I was XXXX for 3 years and my identity was stolen. The XXXX XXXX XXXX XXXX XXXX listed on my credit report is a fraudulent account. The XXXX XXXX account listed on my credit report is also a fraudulent account. I am needing physical proof as it is law that the reporting bureau must provide proof as to How they verified you.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Reviewed most recent credit report from all credit reporting agencies and I noticed inquires that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push back even though I expressed inquires in question did not belong to me and the creditors agreed to the inquiries are not attached to any file or application they have with my personal accurate information. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I just received a receipt notification from XXXX  XXXX that a Discover purchase was made. I do NOT have discover card. Someone open an account under my information i don't know how many accounts were opened under my name.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (DC)

Due to a financial hardship in XXXX I was forced to file a Chapter XXXX to keep my home. Over the last four year with the exception of one month my payments were made in a timely manner. On Monday, XXXX XXXX, XXXX I received " Notice of Motion for Relief of Stay from the United States Bankruptcy Court. The reason for the motion was that I had not made mortgage payments for XXXX XXXX through XXXX XXXX. I have cancelled checks for all months in question except for XXXX. I did mail a payment for XXXX but was told by someone from XXXX that they were instructed to " hold the check ''. I feel that I am being treated like a criminal for filing bankruptcy. At no time did my mortgage company try to assist me during my hardship. Which they were completely aware of. It is very disheartening to learn your money is being taken, not applied to your account and you are at risk of losing your home. I did not think this was legal practice in the United States. My American dream of home ownership has been a nightmare. Would someone please help me.
Consumer complaint received 2016-01-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (VA)

On XXXX XXXX, XXXX I purchased a car through Santander Consumer. The cost of my car was {$12000.00} with an interest rate of 24.99 % I put {$3000.00} down. As of today XXXX/XXXX/XXXX, I owe {$13000.00}. I have made XXXX payments of XXXX. 
I called Santander to ask questions about my loan, I was told that My balance is my balance whether I pay off the loan early or not. XXXX XXXX the manager I spoke with could not tell me the amount of interest and the amount of Principle that defined my loan. I was told I have a simple interest loan with accruing daily interest of {$8.00}. and after 10 days a late fee is applied of XXXX. I do n't believe that this loan fair nor should it be legal to take advantage of consumers when we are not aware of all of the thin lines and loop holes. I have paid {$16000.00} on my car and I still another 4/5 years to pay it off. It is a XXXX XXXX XXXX.
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXXXXXX XXXX # XXXX Amount : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX has 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MI)

I started the mortgage process with a company called AmeriSave. They use a company called XXXX XXXX to contract out the appraisal services. AmeriSave charged and collected {$430.00} of my money for the appraisal services. 

AmeriSave Mortgage did not disclose to me that they are affiliated with XXXX and so I thought I would be getting an " independent '' 3rd party for appraisal services. If there is an affiliation, then there may not be independence during the appraisal process. When the appraisal came in, it was roughly $ 25K lower than 3 other appraisals that 3 separate mortgage companies had done on the home. One of the appraisers even used the words " grossly understated '' when looking at the appraisal done by the company XXXX XXXX used ( See appraisal attached ) AmeriSave then cancelled my loan and so I was out the {$430.00} that I paid for the appraisal during the beginning stages of the loan process As a result, I was not able to do the refinance due to lack of equity in the home and am out the {$430.00} that I already paid out of pocket. 

I feel like I was " dupped '' by AmeriSave not disclosing that they were affiliated with XXXX XXXX and I was under the impression that I was getting an independent appraisal. This has happened in the past with these 2 companies ( See link below ) : http : XXXX I would at min. like my {$430.00} back, however feel that these 2 companies are doing similar actions to other home owners!