davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (FL)

i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance.
Consumer complaint received 2015-05-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MO)

I had a car loan with Santander that default back around XXXX 2011 and the car was repossessed. Santander is claiming the the car was damage but the time they saying it was damage it was n't in my possession. The damages that they said I cause to the car cause for the value of the car to be less then what it should have been and they was n't able to profit from it to the point the they break even and I do n't own any money and also its affecting my insurance rating. when the company they hired to repossess the car it was at XXXX and my car was park in the driveway behind my mother car and they move my mom car and had her car turn side ways in the driveway and on the neighbors grass and also my car was half way in the driveway and on our grass and they had the tow truck on our lawn and even destroyed our lawn also
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} - previously Late Open XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2016-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Anderson and Associates Credit Services, LLC (OR)

In the XX/XX/2016 I retained the services of a pest control company, XXXX XXXX XXXX for fleas and sugar ants in a home I had recently moved into. The services, for which they charged {$350.00} did not resolve the problem. My husband was to contact them, and he failed to do so, which I only recently learned when I had a negative report on my XXXX credit report. XXXX retained a collection agency XXXX XXXX, XXXX XXXX XXXX XXXX Oregon XXXX United States Phone : XXXX. When I attempted to discuss the situation with XXXX of their representatives who claimed to be the owner, he would not listen to me, repeated interrupted me, despite my repeatedly asking him to listen, quickly began speaking in a loud and condescending voice, attempted to tell me that I was n't qualified to determine that the services did not work, and then threatened to sue me for {$350.00} by taking me to small claims court. When I told him that was ridiculous he said we do it all the time. it only costs us {$83.00} to sue someone and I would be happy to sue you. Then when I asked him to be reasonable and attempt to reach a compromise, he refused and stated that my only option was to pay the bill. When I asked him if he would then remove the negative report from XXXX, he again, very rudely refused. He hung up on me. I called back and asked to speak with someone else, he refused. When I again asked him to be reasonable and help me work toward a resolution in order to repair my credit he repeated that he would continue to consider taking me to small claims court. that " this was n't going to work. '' and then hung up on me again. I have called and emailed the pest control company and they also refuse to help or take ownership for the fact that their services did not work. I am requesting that a formal complaint be filed against XXXX XXXX and that this negative mark be removed from my credit report. I have never before spoken with such a hostile, unprofessional individual.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-09-05
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 the fair credit Reporting act Capitalone Account ending in XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It 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 an open end consumer credit plan as late for purpose.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I filed a dispute with TransUnion regarding an unknown account appearing on my credit report. I recently received the results of TransUnion 's investigation stating that the account is still listed under " Adverse Accounts '' on my credit report. Today, I called the creditor, and they have no record of my social security number in their system. Obviously, this account does not belong to me, and yet TransUnion has failed to remove it from my report. Moreover, TransUnion states that this " Adverse Account '' will not be removed from my report for seven years! 

This is not the first problem I have experienced with TransUnion. TransUnion also made reporting errors against my social security number on two other occasions : ( 1 ) 6 years ago, TransUnion listed an unknown-to-me individual as an additional name on my report. That report included not only a name, but also a full address and at least 3 adverse accounts. I disputed the report, and the information was removed. I thought the matter was closed. 
( 2 XXXX Last fall, TransUnion again allowed an adverse account listing to be placed against me. This was due to the SAME unknown-to-me individual as in ( XXXX ). Because of that error, I began receiving robotcall from a collections agency. Since I have been flooded with so many other robotcalls coming to my phone, I initially thought it was a scam. 

As a result of error ( XXXX ), I pulled my credit report, and I discovered incorrect phone numbers and the same incorrect address from ( XXXX ) were again listed on my credit report, so I went to the police. They concluded that it was a clerical error, and they said that someone had transposed the middle two digits of another person 's SS #, causing the mixup. 

I have no idea why or how this latest " Adverse Account '' was opened, and the irony is that it was opened two days after I put a fraud alert on my credit. ( That obviously did not help. ) I am at a loss for why TransUnion has made so many mistakes and I do not understand why this latest investigation was labeled " complete '', when the creditor does not even have my social security number in their system. 

This is completely unacceptable. TransUnion appears to have no clear process of identifying errors such as these. Their clerical issues have adversely affected my productivity, and I have spent untold hours trying to get resolution. There is zero protection to the consumer. 

TransUnion 's most recent letter states that I " may add a XXXX statement '' to my report. This is unacceptable. The adverse account that does not belong to me should be removed. I have not received a fair resolution. 

Thank you for your assistance.
Consumer complaint received 2022-02-11
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. (IL)

An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand XXXX Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Performant Financial Corporation (MT)

I paid my student loans on time and in full for over a decade using the payment booklets provided to me my ACS. XXXX years pass and now Performant Recovery collection agency is going after my wages without providing me account verification or other options.
Consumer complaint received 2017-02-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (IL)

In XXXX XXXX I took a position with the Department XXXX XXXX in XXXX. I had services with my cell phone with XXXX XXXX. I requested that service to be cancelled on XXXX XXXX XXXX. I received confirmation from XXXX via email on XXXX XXXX, XXXX they received my request. In XXXX XXXX I had a discussion with a XXXX representative in reference to my account and was informed I was past due in the amount of {$90.00}. On XXXX XXXX XXXX I paid that amount. I noticed a collections from XXXX XXXX XXXX XXXX XXXX and talked with a representative in XXXX XXXX. I was informed that this charge in the amount of {$110.00} was generated in XXXX XXXX. I wrote XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in reference to this collection. I received no response. I wrote XXXX XXXX XXXX on XXXX XXXX XXXX about this collection on my credit report. I received no response. This collection is still on my credit report now under Pinnacle Credit Services. I attempted to contact Pinnacle Credit Services but only to find out they do not hold this account and that a different company holds it.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have ( XXXX ) credit card entries from XXXX XXXX that I have no knowledge of. After applying for an auto loan a few months ago I discovered the inaccurate listings. I disputed them with the credit bureaus and they came back verified. I sent a certified letter to XXXX XXXX requesting an investigation. It has been over 45 days and I have not received anything back from XXXX XXXX. No signed contract, itemization of charges or any relevant or sufficient proof that gives them the right to collect on this debt or damage my credit rating. Under the FCRA and FDCPA this negligence is a clear violation. They being the original creditor have to right to verify anything but to only investigate my claim. Without proper records to indicate these accounts were indeed open by me by law they can not report the info to the credit bureaus. the following accounts are fraudulent. Account # XXXX with a balance of {$690.00} opened XXXX and Account # XXXX with a balance of {$570.00} opened XXXX/XXXX/11.
Consumer complaint received 2023-06-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CT)

XXXX failed to provide me with statements, XXXX XXXX replacement and also updated the address from XXXX to XXXX. 

My XXXX XXXX eas canceled alone with check and other identifying documents. 

The company constantly reported me late and took advantage of the adverse situation. 

Rather to rectify the issue they keep sending generic letters.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF HAWAII CORPORATION (HI)

I have a mortgage for a condo. Besides the XXXX XXXX XXXX insurance ( mostly for structure ), I need to also provide my own condo insurance. 

In XXXX, my condo insurance lapsed due to miscommunication with my insurance company. 

In XX/XX/XXXX, my mortgage company ( Bank of Hawaii ) notified me that there was no insurance. Over the next 4-8 weeks, we worked through the discrepancy and my insurance was straightened out in early XX/XX/XXXX. 

If Bank of Hawaii purchased insurance for me during these months ( XXXX XXXX ), I have not problem with it and that makes sense. But they sent me a letter that they were charging me ( {$1000.00} ) for insurance for XXXX. When I questioned this, they said it was the rule and it was " retro-active ''. But they said that if I had needed the insurance back in XXXX, it would not have been in place and so I would not have been able to use it. 

So how can they charge me for insurance for XXXX when I didn't have insurance available to me in XXXX? And what kind of insurance company will sell insurance for a time period that has already ended?
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (NJ)

I enrolled in XXXX XXXX. After being told I did n't have enough to cover the cost I was given the option to use in house financial aid. Unbeknownst to my knowledge the school would later be closed. Genesis Lending my original in house provider now closes. XXXX XXXX XXXX takes over and closes and now XXXX is the collector. If the original lender was closed just as the school was why do students such as myself who were released from the debt by the DEPARTMENT OF EDUCATION have to fight with these " lenders '' who were found to be just as shady as the schools. All loans associated with XXXX should be done away with.
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE (TX)

my husband and I were looking to purchase a house, we got preapproved through a mortgage company, did everything they asked us to do as far as saving money and paying off credit cards. on the day of closing they tell us we were denied. we paid for survey, appraisal, things that needed to be fix etc and to find out we got denied was very disturbing. they did not keep in constant contact with us or even had my emails and calls go unanswered for several days.i paid for everything in advance because they were confident we were going to get the house.
Consumer complaint received 2020-10-18
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: Experian Information Solutions Inc. (CA)

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$9800.00}, {$9500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$11000.00}
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2020-11-26
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. (GA)

I received all my documents from the company XXXX XXXX XXXX dated XX/XX/XXXX as paid in full. I have the title and payment contract. It was reported XX/XX/XXXX that I owe on the vehicle and that is not true. If I owed anything, I wouldn't have the title to the car. It may be a flaw because on the credit report they are now under a different name or company. I need this removed from all 3 credit bureaus as soon as possible.
Consumer complaint received 2024-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account CAINE & WEINER XXXX immediately.
Consumer complaint received 2020-04-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (GA)

On XX/XX/2020. I applied for a second mortgage with Discover Home Loans application number XXXX they told me I was pre-qualified after submitting my income. Additionally they ran my credit ( hard pull ) and then asked for mor documents that were not listed in the discloser like ; they had me submit 3 years of XXXX instead of the two pay check stubs they advertised. Additionally they had me submit numerous documents and on XX/XX/20 they called me and told me that they were upping the interest rate from 4.99 % to 8.99 % because they didnt realize this was a second mortgage. Additionally when I complained about this they said my debt to income was not within their guidelines but couldnt explain this because I make more money than was required.. I want an investigation into this and request at the end of this your agencies help in removing inquiry on my credit bureaus from theses people. I have a few emails but Im absolutely discussed by bait and switch for two reasons 1. This could happen to others 2. By them pulling my credit and doing the bait and switch I have to wait for those 10 points to rebound before I can apply again with another bank.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened an account with Bank of America ( credit card with deposit\o of {$99.00}. I did a charge for {$40.00} dlls and statement showed additional {$39.00} for fees. I called them to cancel that account and thet only returned {$17.00} dlls ( check XXXX from their account : XXXX XXXX XXXX XXXX. 
I will appreciate to aske them to return my complete money back
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-09-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America closed this account, and arbitrarily decided to keep {$4500.00} of mine. They claim the money orders deposited were 'not valid for deposit '. Bank of America WAS paid by XXXX XXXX for the money orders AND they refuse to provide substitute checks, a violation of federal law.