davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION (PA)

I cosigned a loan with my daughter. We signed up for a fixed rate, we never signed any document that stated the loan was an adjustable rate and were given an adjustable rate. I only found out after several payments were made. 

Sallie Mae 's response was that it is too late. I asked for documentation showing that I agreed to an adjustable rate. They failed to provide any. 



Thank You for looking into this issue.
Consumer complaint received 2018-09-19
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. (KY)

XX/XX/2016-XXXX XXXX i was never served with papers on this debt for court and the debt has never been prove to me in acordence to FCRA and all three are listing this debt incorrect i want this full debt on all three removed asap i am a XXXX vet frighting with them for going on two years please help thank you
Consumer complaint received 2023-01-31
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-07-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Home Point Financial Corporation (CA)

I have a loan with HOME POINT FINANCIAL C. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and HOME POINT FINANCIAL C with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXr - XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2017-12-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Follow up complaint. 
From my previous complaint regarding Portfolio Recovery Associates, they sent the documents requested. From my previous complaint, I stated that I was never told about this collection from their company and their intent to place this account on my report as a negative account. When I received my free annual report in XXXX, thats when I became aware of this insertion onto my credit. According to my XXXX report, this insertion was first reported to this bureau on XX/XX/XXXX. After reviewing the last payment documented as requested, the last payment was recorded XX/XX/XXXX bill, meaning the last payment was in XX/XX/XXXX.XX/XX/XXXX This account was outside of the statute of limitations when it was placed on my credit report. This company knowingly inserted an old account with intentions of ruining my credit. Furthermore, they never contacted me regarding their intent.
Consumer complaint received 2019-11-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (TN)

my granddaughter and I rented an apartment at XXXX XXXX   XXXX. in XXXX  as she was going there for college. We trusted the girls that showed us a one bedroom apt , as they did not have a 2 bed 2 bath open at the time. We paid and put one on hold as we had to get back to XXXX. We were notified that apt , was  ready for move in on XX/XX/19 and they suggested we sign lease etc.online. we did what was asked of us when we arrived I signed more papers for them without seeing the apt . the girl then took us to a filthy apartment that had not been cleaned and smelled terrible. ( I have pictures ) We were told the cleaners were on vacation. As I tried to give her the keys back I was informed that we would have to buy out of the lease which would be $ XXXX.if paid that day. Now I check my credit and they have said we owe them more.I had given them over XXXX already. I reported them to XXXX consumer protection division fraud department They sent me a notice on XXXX XX/XX/19 letting me know there was no response from XXXX  XXXX  and I would have to contact small claims court with an attorney. I am a sick XXXX year senior on a fixed income trying to help my decesed daughters child get to go to college and we were took advantage of by these girls.
Consumer complaint received 2018-09-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (CA)

I leased a XXXX XXXX  XXXX and I purchased Preferred Tire Care Coverage from them through XXXX XXXX. 

Preferred Tire Care plus package On XX/XX/18 I traded in my XXXX and I was told I could get a refund on this coverage since I do not have the vehicle and I didnt use the coverage. I called XXXX 5 times and no one gets back to me regarding processing my refund. 

I want my refund for this coverage processed. 

XXXX XXXX needs to refund this.
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IA)

I had a {$300.00} credit card with XXXX XXXX Credit Card. I made repeated attempts to make a payment in full with XXXX XXXX via phone and online, but was told by representatives I had to speak to a specific department to make the payment. Every attempt to transfer me to that department was unsuccessful as it would continue to ring without anyone every picking up the line. When I would call the general number to speak to some else, they would state that I could only speak to the department they had tried on multiple attempts to transfer me to, land they did not have a direct line for me to reach someone. 

After multiple failed attempts to make payment with XXXX XXXX directly, they sent the account to collects with XXXX XXXX XXXX and tacked on fees resulting in a payment of {$620.00}. These are fees that I should not be charged as I did attempt to make payment on multiple occasions and was give then run around as to how to accomplish payment.
Consumer complaint received 2022-08-11
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: Ridge & Valley Realty, Inc. (UT)

Upon pulling my credit report as I, buying a home I was dismayed to find out I had a collection from credit systems inc in XXXX XXXX.it was for XXXX $ and from a tanning company XXXX XXXX XXXX. It was services in Colorado. I do not live in Colorado. I am a Utah resident and have not lived there. I do have some family there. I called them and gave them my police report number and they were very rude when I demanded they remove this collection immediately.they just put this on my report with no regard as to its validity. My police report number is XXXX for XXXX XXXXXXXX. I also filed a identity theft report with the federal trade commission.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My credit reports are frozen at my request ; however, once a year my bank, XXXX, is required by the federal government to request a credit report because of a large business loan. They use Trans Union. I called Trans Union and asked for a temporary lift for both my wife and me. I asked for a unique number to give to the bank which I received from Trans Union and I passed on to the bank. My banker called and said that the numbers did not work. I called Trans Union and the young lady who answered checked the information and said they should work " have the bank called the marketing department. '' I asked the young lady for the number to which he replied " the bank has the number and disconnected the call. This call was made during the timeframe the account was unfrozen. My banker could never retrieve my credit report. I went to the bank on XX/XX/XXXX and together we called Trans Union. After asking to speak with a supervisor, I was told that the problem was that the bank did n't have the right software to use the number that Trans Union gave me and " if I had called during the freeze they could 've done something about it but since the freeze had been placed back on the account I would have to pay the fee again. I did call during the freeze. And was not told anything about the numbers not working with particular banks. I was treated rudely and I have been forced to pay the {$20.00} again but something should be done about this kind of treatment. I resent having to pay to lift my credit twice when it was not my error but rather lack of information from Trans Union.
Consumer complaint received 2018-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (TX)

Student loan payments were made to XXXX XXXX since 2009. Every year I tried to reach out to them by mail asking for a receipt, there was no phone number to be found. I still made monthly payments while sending them a mailed request for receipts. Until a few years ago, my checks came back. I researched the law firm taking my payments, XXXX, XXXX XXXX XXXX XXXX, and found an attorney there who told me the PO BOX address had changed. At first he could not even find my account. I resent my payment, and also asked for reconciliation of the balance since I finally found someone to talk to. They could not find several of my payments I had made. I documented the check number of most of my payments, and also had some copies of old bank statements. They would not accept the bank statement as proof, as my bank only sent me the front of the check copy, not the back. I informed them I needed to stop my payments until they could reconcile the payments I made and agree to send me a receipt. They would not. Now the loan has been kicked back to XXXX XXXX XXXX for the full amount. I had already paid XXXX total. When I asked my bank to furbish the bank statements to prove I had made those payments, they stated after 10 years, all bank statements are deleted.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have written to the Transunion regarding a personal information error on my credit file with regards to employer. I have also provided the name of the company and the official registration and seal of the company active status from the State of Florida. These information was sent by registered mailed, which was collected and claimed to be corrected, however the company name given is still shown as XXXX. The correct information is XXXX XXXX XXXX XXXX XXXX. This is personally affect my application status for additional credit and any application for loans. I have spoken with customer service representative at Transunion, who indicated that the file was updated. i have also copied your organization on this matter and the issue is not resolved. This is unacceptable and poor service from both organization. Please have this issue resolved immediately. 
Also another issue I have is that i am using the given numbers provided by XXXX services to remove a security freeze on my credit report. the service is extremely poor, after providing the information, its rerouting me online to get pin to resolve the issue. numbers given on are XXXX and XXXX.
Consumer complaint received 2019-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-04-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX XXXX Funding has violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This account must be deleted. 

Further : I did NOT give any alleged creditor my explicit verbal or written authorization to hard pull my credit report. The following inquiries are Unauthorized : 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 2022-04-05
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. (NJ)

I reviewed my credit report and i dont recognize the following inquiries on my credit report and i didnt authorized the inquiries XXXX XXXX XXXX XXXX credit unions Inquiry date : XXXX XXXXXXXX XXXX XXXX XXXX  DATE : XXXX XXXX
Consumer complaint received 2018-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

The way Navient has there student loan forgiveness plan set up, is to where if I make on time payments for 20 years with whatever amount Im approved for- the rest of my loans willl be forgiven. I applied for their student loan forgiveness plan and got approved for {$0.00} a month for 12 months. I took a few credit hours with my University and Navient let me know that I was back in deferment, even though I already had {$0.00} dollar payments. The way they brought this to my attention made it seem mandatory as if I HAD to have the deferment. I was never made aware or told that I could take this off and stick with my {$0.00} payment that was going towards my 20 year plan. My {$0.00} payment plan only lasted about 3 months I was told. If I wouldve been made aware or given the option to remove the deferment I wouldve been left with 19 years. I have already spoken with a Supervisor from Navient, but I received no help on this.
Consumer complaint received 2019-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2018-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FULTON FINANCIAL CORPORATION (PA)

I may have done this before. My bank XXXX XXXX has been charging me overdraft fees that cost my account to close. Those over charges were so high that I couldn't pay them. When my SSI checks would come in, XXXX XXXX   would take out their money and leave me with no money at all. XX/XX/2018 is when some of these charges have happened not including other times that I do not have dates for but it's been an ongoing problem with this bank. I have closed out the account as of Friday XX/XX/2018 or possibly before that date. They have sent me a letter certified on XX/XX/2018 claiming the account was closed, and also emailed me not to contact them as I have been doing every day they do not send me my money back. They can contact me but they refuse to send me my refund. They were taking my SSI and using it to make me pay them and I think this is unfair. Now I have 2 bills that must be paid and I can not do it because they will not refund the money on a timely basis. I have charged them a fee of {$50.00} per day ( because they charged me on a daily basis ) and I want it now, that is today. Again they can send me letter but not the money they owe me.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Ive repeatedly requested to have them to stop reporting any past due of {$59000.00} on a XXXX XXXX Account on my credit report. I continuously send information to them showing that the account was closed XXXX 2012. I do not have a past due balance, this is not a FHA Real Estate Loan, Im not in foreclosure. Every time I dispute the information, its taken off my credit report, then put back on a few months later. I have submitted a statement. The another credit reporting agency ( XXXX XXXX ) that pulls credit reports on behalf of FEMA submitted the information to Equifax and they refused change it .Im submitting the e-mail, copy of credit report, Letter from FEMA regarding credit report and Denial of employment regarding credit report Please block XXXX XXXX from reporting on this account. By the credit reporting agency allowing this to occur, I was denied employment from FEMA based on the derogatory information on my credit report. Im enclosing the supporting documentation.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

XX/XX/XXXX - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/XXXX. 

Today is XX/XX/XXXX and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

Experian offered a credit report service and said that i could cancel within a few days if I did not like the service. My membership number is XXXX I did not like the service and want to cancel. It is very hard to cancel the service and the only way to cancel the service is to call them. There is not way to cancel membership online. 

I have been on the phone waiting for 1 to 2 hours without any response trying to cancel the service without any response from Experian. 

Please help me cancel my service asap
Consumer complaint received 2019-11-02
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. (FL)

Hey CFPB, I have written you guys today to report an outdated inquiry that still reports on my Experian Credit Report today. The information that outdated is from XXXX XXXX Credit Card. The Removal Date that is stated on the Experian is XX/XX/2019. Today date is XX/XX/2019, which means that the inquiry is, in fact, an error. If you need any information or verifying who I am, feel free to call me at ( XXXX ) - XXXX XXXX
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mercedes Benz Financial Services (CA)

I was behind on payments after being injured in a car accident. After a short recovery period I diligently submitted payments to bring my account current. My last payment a lump sum of {$15000.00} was sent certified mail with copies of the receipt and filled out payment coupon. The company Mercedes-Benz financial acknowledges receipt yet states that since it hasnt been fully processed my car will be repossessed. Ive contacted them and sent emails asking to speak with a supervisor yet they say theres nothing they can do and that if a tow truck arrives to take the vehicle I was advised to let them take it. I explained this is patently unfair since I have no control over the speed or delay in their processing payment. They refused to provide a written response or delay repossession efforts.