davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

Advanced Collection Bureau has violated my right to privacy by communicating this alleged debt with consumer reporting agency XXXX  ( Pursuant to 15 USC 1692c ( b ) ). Advanced Collection Bureau having reported this alleged debt to XXXX has caused harm to my reputation and is defamation of character. ( Pursuant to 15 USC 1692d ( 1 ) ) This company sent sent an Affidavit of Truth, Cease & Desist with specified remedy, and an invoice on XX/XX/2021 and sent vis certified mail with return receipt.
Consumer complaint received 2017-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (SC)

Last week I received a letter from Chase that they will be closing my Credit Card on XXXX XXXX XXXX because " we are no longer offering personal and business credit card accounts to current or former non-US officials, their immediate families or close associates ''. 
This is a new credit card that I have used for less than 2 months and that I want to keep open. 
I consider this as a violation of the Federal Equal Credit Opportunity Act. 
I made them a call to the number they provided for additional questions but they were not able to provide information at that number. They referred me to a bureau to which I am sending a letter to request keeping my credit card open. I am providing both letters From-Chase and To-Chase as attachments to this complaint. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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. (IL)

I finally received rather full copy of my Experian credit report today and AS USUAL found another mistake!! What is wrong with the lazy credit bureaus and businesses that I have not pulled one single credit report on the last 11 years that has not had errors?? Fine then for each error and the government will have lots of new revenue to use and the public will have updated and correct credit reports as the law states is our right to have!!! They left my old XXXX XXXX loan on my report and it shows still open, it shows the wrong loan number this was refinanced and closed and so paid perfectly. The loan on my reports showing # XXXX was refinanced and this loan should show closed and refinanced that was made in XXXX XXXX IL!! I refinanced it and added {$850.00} to move it to the XXXX IL location!!! I have attached the paid in full documents for this loan on my credit report to be corrected and also the copy of my new and only loan with the XXXX IL XXXX you need to add on to my report after you verify with both locations!! They should have done this already it has been over a month ago!!! I want this complaint sent to both XXXX XXXX locations XXXX XXXXXXXX IL and XXXX IL and their corporate office as well as to Experian, XXXX and XXXX!!!
Consumer complaint received 2021-07-07
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. (IL)

I finally received rather full copy of my XXXX credit report today and AS USUAL found another mistake!! What is wrong with the lazy credit bureaus and businesses that I have not pulled one single credit report on the last 11 years that has not had errors?? Fine then for each error and the government will have lots of new revenue to use and the public will have updated and correct credit reports as the law states is our right to have!!! They left my old XXXX XXXX loan on my report and it shows still open, it shows the wrong loan number this was refinanced and closed and so paid perfectly. The loan on my reports showing # XXXX was refinanced and this loan should show closed and refinanced that was made in XXXX XXXXXXXX IL!! I refinanced it and added {$850.00} to move it to the XXXX IL location!!! I have attached the paid in full documents for this loan on my credit report to be corrected and also the copy of my new and only loan with the XXXX IL office you need to add on to my report after you verify with both locations!! They should have done this already it has been over a month ago!!! I want this complaint sent to both XXXX XXXX locations XXXX XXXXXXXX IL and XXXX IL and their corporate office as well as to XXXX, Equifax and XXXX!!
Consumer complaint received 2021-07-07
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX continues to report a paid off car loan on my credit report as late. I've tried to dispute the transaction thru the credit bureaus and directly with the company but to no avail. The car loan was opened XX/XX/XXXX and paid off in XX/XX/XXXX. The loan was included in my bankruptcy but I kept the car and continued to make payments until I paid it off. I was never late on this loan and it's still reporting as such.
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (VA)

Inquiries are reporting on my account incorrectly causing my score to drop tremendously. I'm in the process of home buying and this is causing issues please assist. I contacted each burea to dispute inquiries also sent dispute letters to have it removed from my account
Consumer complaint received 2021-07-07
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. (FL)

XXXX is reporting 8 student loan accounts across all three bureaus ( XXXX XXXX and Experian ) unlawfully. XXXX has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent XXXX an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to XXXX via Certified Mail with return receipt.
Consumer complaint received 2017-11-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Complaint : Transparency and being misled for profit. At the end XX/XX/XXXX I went to finalize my lease with XXXX of XXXX. This is my 2nd auto purchased from them in 2 months so I figured they would have all the numbers that we spoke about be the way they were supposed to be in finance. I told them {$500.00} down max and everything else rolled into to lease. This was told to them multiple times to make sure they were on the same page.XXXX the finance mgr came out and said we got everything handled. He never mentioned anything about extra cost out of pocket. When I got into finance with XXXX she informed me that I had to pay an extra XXXX out of pocket. I told her I was never told this and she said pay the XXXX today and I will roll the extra amount which is {$790.00} to the back of the loan. I was annoyed but said ok. Long story short I set up auto pay and as usual trusted that since she did n't tell me about anymore charges I could just sign and go. I XXXX signed the rest of the docs which is how I did my last purchase with them with no surprises. They had placed a promise to pay note for XXXX for XX/XX/XXXX without ever running it by me first. I was not informed and I would n't not have leased the vehicle if I did know. You ca n't by misleading to customers
Consumer complaint received 2021-07-07
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. (FL)

XXXX is reporting 8 student loan accounts across all three bureaus XXXX Equifax, XXXX and XXXX ) unlawfully. XXXX has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent XXXX an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to XXXX via Certified Mail with return receipt.
Consumer complaint received 2018-03-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MN)

I was sent a notice for a Personal loan for Big Picture Loans in XX/XX/XXXX. I took the loan. The lender disclosed the interest in a fashion which stated that 14 % interest was going to be charged. In actuality its 14 % per DAY. So total of 798 % interest. This was never stated.

They never disclosed the length of the loan, which is 18 months. This brings my total paid to them for a {$1200.00} loan to over {$7000.00}. dollars.

I have tried to ask them to take bigger payments to get the loan out from under me. They took the information, then never charged my account that amount. I also tried 4 times to ask for a payoff amount, with each time the words " payoff my loan '' were spoken, they suddenly could not hear me, and would hang up. ( Last time occurring XX/XX/XXXXat XXXX XXXX   CST ). This went on for the entire morning.

I asked one representative what their Business License number was for Minnesota. They refused to talk to me.

I am beyond frustrated with this company, and need assistance to pay this loan off at a reasonable, state allowed interest rate of 33 %.

Thank you for your help!!
Consumer complaint received 2017-11-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc. (NC)

Settled to pay a debt with First National Collection Bureau Inc on XXXX/XXXX/XXXX the original bill was with XXXX XXXX for {$1100.00} they agreed to accept {$710.00} and have account settled in full and closed. First national stated they could email and mail me a letter stating account has been satisfied in full once payment is made. Now payment has been made and cleared with the bank on XXXX/XXXX/XXXX and after calling for 3 days I have not received a letter in the mail or an email. I called today XXXX/XXXX/XXXX and the customer service representative states the letter will be mailed today. The letter should have been mailed on XXXX/XXXX/XXXX or at least no later than XXXX/XXXX/XXXX. The company is giving me the run around and not answering simple questions like how long will it take to draft a letter stating account has been settled in full and account closed. The representative informed me I could go online but that only shows the amount I paid and still has an outstanding balance. When I asked the representative about updating the online information she states she will send up the request to her supervisor. I just want a letter and an email sent to me stating the account has been settled and closed for the agreed amount of {$710.00}.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX XXXX XXXX XXXX XXXX These accounts are to report, why would they remove
Consumer complaint received 2017-11-24
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. (IA)

Recently I got XXXX % of my XXXX XXXX. I reached out to all three credit bureaus in regards of my credit when I was in the hospital I have over XXXX inquiries, several debt accounts thats arent mine. I tried disputing it, didnt get me nowhere ... I sent a certified letter to each credit bearu requesting full validation of debt and inquires into this matter. Also stated Ill file a lawsuit if not addressed in a timely manner. The only one that has got back to me and removed 97 % of false info is XXXX. Experian and XXXX has gave me the run around I followed up with the two and havent heard anything in response.. starting on XXXX/XXXX/2017 Ill file lawsuits against transunion and experian for reporting in accurate information as I can from the fair credit reporting act and see through with claims to the fullest.
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

Called in or around XXXX XXXX, XXXX to advised I have switched Insurance companies. I was told by representative to fax over documentation for new insurance company and I requested my loan be reanalyzed due to lower premium for insurance. I called back on XXXX XXXX to find out they never updated my information. representative confirmed that fax was received however they never change my insurance information nor did they reanalyzed my account. The lower premium would have made my payment lower however they never even changed the company nor took care of my request.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (AL)

Self Lender is reporting a closed account that is paid off, which the balance reported is {$390.00} an the loan {$0.00}. I have not received my initial loan amount back but this loan has been paid in full. the date paid off was XXXX XXXX. I then called an expressed that this account is reporting negative information that is keeping me from obtaining many things.
Consumer complaint received 2017-11-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

**Please note, this complaint was originally submitted under # XXXX through the US mail. Despite sending it return receipt requested and receiving a signature, when I tried to follow up, there was no record of my claim I consolidated all loans in XX/XX/XXXX with a company called suntech. My original promissory note was for {$37000.00}. Under federal statute ( and what I was told my the loan agent ) this was a 20 year consolidation. I never received ANY disclosure to alter the terms of the original promissory note. 
This loan was sold multiple times. I continued to pay to each and every company as agreed, even paying over the amount for multiple months in an attempt to pay off earlier. Each time, I specified the extra amount was to be applied to principal. 
In XX/XX/XXXX the loan was acquired by XXXX XXXX. 
1 ) they claim the prinicipal amount at the time of acquisition was {$43000.00}. After 10 years of payments, they claim my prinicipal increased from the original promissory note. Despite multiple attempts to show them it is just not possible, they absolutely refuse to acknowledge this. I have sent copies of promissory notes and pages of cancelled checks to prove what i have paid. 
2 ) They claim the original consolidation was {$43000.00}, yet they are unable to provide me with any disclosure that would have changed the loan from the binding contract. 
3 ) They refuse to give me credit for all canceled checks provided to them, insisting they are only responsible for giving me credit for payments made to them. This in essence negates 10 years of payments and some {$40000.00}. 
4 ) They have missapplied multiple payments, often with XXXX going to prinicipal and multiple late fees within the same month. They have also charged late fees when I have provided proof that the check has cleared my bank well within the grace period. 
5 ) I have tried every avenue, yet they hold fast to their stand. Every time anyone questions them, they give the same pat answer that they have reviewed everything and they are in the right. They REFUSE to accept any proof of payment made before they acquired the loan and REFUSE to acknowledge that it is just impossible for the principal of a loan to increase after 10 years of payments. 
They have even gone so far as to request that i no longer " bother '' them with my concerns, they are done explaining themselves. 
I maintain that the original amount was {$37000.00}, a 20 year consolidation loan and if all payments had been applied correctly ( as shown by attached amortization by a forensic accountant ) this loan is not only paid in full, I have overpaid by some {$3500.00}.
Consumer complaint received 2023-02-07
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. (GA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX XXXX Highest Balance {$19000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-07
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. (FL)

XXXX is reporting 8 student loan accounts across all three bureaus ( XXXX Transunion and XXXX ) unlawfully. XXXX has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent XXXX an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to XXXX via Certified Mail with return receipt.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX XXXX XXXX  XXXX   XXXX These accounts are to report, why would they remove
Consumer complaint received 2022-09-10
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. (NY)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. I filed a identity theft report theft.gov with the following account and XXXX is not removing it from my credit file. Ive been fighting many times with XXXX and its causing me to want to take legal action. 15 USC 1681 section 602A states I have the right to privacy 15USC STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT Without my written instructions. I did not open a XXXX account under my name and this causing me a lot of bad credit remarks for a new home. Please help me and remove this from my credit report
Consumer complaint received 2021-09-11
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 — Investigation took more than 30 days
Company: Consolidated Information Services Solutions, LLC (TX)

I have contacted both XXXX  XXXX  COMPANY AND XXXX ( CREDIT BUREAU ) about XXXX paid off auto loans not reporting on my credit report. The two accounts are reporting paid off on XXXX XXXX XXXX but NOT XXXX. XXXX told me that they sent my loan information to XXXX but yet the account never posted to my credit it has been A YEAR OF CONTACTING BOTH COMPANIES BUT NO RESULTS! PLEASE HELP ME GET MY PAID OFF LOANS REPORTED TO MY XXXX CREDIT REPORT!
Consumer complaint received 2018-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Navient quoted me a repayment rate of {$530.00} under the income-driven repayment plan. Once I applied, I got a bill for double the amount. I was forced to put the loans in forbearance again.
Consumer complaint received 2017-11-28
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 — Investigation took more than 30 days
Company: Adler Wallach & Associates, Inc. (CA)

I surrendered my vehicle back to the bank last year. Eventually the vehicle was picked up. The vehicle has been resold at a higher price than what I owed left on the vehicle. But my credit reports shows that I still owe them. I have tried to dispute my credit reports. One of the credit report deleted the information. But the others remain.