davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (FL)

There is an account that appeared in XXXX from XXXX on my Equifax report. Just Equifax. I originally disputed it with them. It came back as verified as mine. I contacted XXXX they couldnt find this account or ANY account in my name and Social Security in their records. They said " we cant send you anything that says this isn't yours since we are not reporting anything under your identifiers '' you will need to dispute this with the bureau again. I did. It was then removed. It remained off for months. Then reappeared. I once again disputed this with Equifax and was told its been verified as yours. How? Where is the proof. They have to provide me a copy of the lease/loan agreement with my signature, or credit app something! Nothing. Neither them or XXXX has ever done so. They just keep making this account reappear at will. It costs me XXXX XXXX points each time this appears. Its causing me financial devastation since I have NEVER had a late payment in my life or a collection account. Just this account that isn't mine appear and disappear. This has to be removed in full by XX/XX/XXXX at that point the debt is 7 years past the time whoever had this would be out of the statute of limitations. I shouldn't have to wait 3 more months for this to happen naturally since its NOT MINE!
Consumer complaint received 2021-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/20 I sent correspondence to each company regarding inaccurate, unverified, and erroneous items on my report. As of today over 90 days later I have not heard anything from anyone. I feel like Im just a number and not a person. These items are negatively impacting my report. As mentioned to each company may information was impacted by the XXXX data breach and Im just now being made aware. Now more than ever I feel like my information has fallen into the wrong hands.
Consumer complaint received 2018-03-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (GA)

On XX/XX/XXXX I called XXXX XXXX XXXX at XXXX I initially spoke with a lady named XXXX at ext : XXXX I told her our situation with XXXX XXXX XXXX XXXX and explained how our claims were never billed properly and now this has gone to debt collectors and affected my credit. She advised us to pay the {$2200.00} and make this go away. I got off the phone with her called my husband and we decided we would pay the amount listed above even though we were not due these charges just so this would all be done with. I called back and spoke with XXXX at ext:XXXX on XX/XX/XXXX and paid the amount in full from my debit card. The amount never cleared our bank account that day or on on XX/XX/XXXX so on XX/XX/XXXX I called my bank and they told me the transaction was declined because we have a {$1500.00} daily limit on our debit card but she could increase the amount for me on XX/XX/XXXX so I could pay the bill. I called back on XX/XX/XXXX and spoke with a XXXX XXXX at ext : XXXX and she again processed this transaction for me giving me a confirmation number of XXXX. I again never saw this amount clear the bank account. On XX/XX/XXXX I received a call from a second debt collector regarding this same claim. I then called XXXX and asked what was going on they told me the debt had been sold back to XXXX XXXX XXXX XXXX XXXX and they could no longer give many information about this claim. I asked about my confirmation number and the lady I spoke with on Friday and they said there was no transaction processed.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

Upon being denied from a lender for " too many inquiries '' from my equifax report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are inquiries on my Equifax report that I DID NOT authorize and have no knowledge of. I contacted Experian immediately and was given no relief. I also have fraud alert in place now, which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.        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  is on my credit report twice on the same day   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   -  XXXX   XXXX ,  XXXX
Consumer complaint received 2016-06-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (GA)

Professional Bureau Collections of Maryland Inc called my cell phone and left a message not identifying themselves. They then called my employer which was not information provided by me to them or information provided by me to XXXX. When they called my office, they refused to identify themselves. They called back again and still refused to identify themselves. The representative that was on the phone was a female and stated that there was no point in identifying herself. She was requested not to call back at that time. I called the number of XXXX back on my personal cell phone and a man saying that he was the manager got on the phone. I also advised him is not to call the employer and he has a good direct contact number for me that he may continue to use. I also advised him that I would be filing a complaint and he said to do what I needed to do.
Consumer complaint received 2020-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AK)

I did a streamlined refi that closed in XX/XX/XXXX. On XX/XX/XXXX I was sent a letter by the city saying my property tax had not been paid. I sent an email to Freedom Mortgage on XX/XX/XXXX asking why it hadn't been paid and what happened to the money that was in escrow. No response. A call to the city XX/XX/XXXX to see if the payment had come in since they sent the letter. No payment received. I called Freedom Mortgage on XX/XX/XXXX. Spoke to XXXX. Research should be done by Tuesday, call on Wednesday. Called Freedom Mortgage XX/XX/XXXX. Spoke to XXXX. Completion date is XXXX. That means research should be done that day. I asked for written notification of resolution. On XXXX I received a notice from Freedom Mortgage that I no longer had insurance on my home. This should also come out of escrow. Called my insurance company. Insurance was paid XX/XX/XXXX and was good through XX/XX/XXXX. Called Freedom Mortgage. Confirmed insurance issue was resolved. Asked to be transferred to tax department. Spoke to XXXX. Research was expected to be completed today but there are no notes. XX/XX/XXXX. No response yet. emailed them again. XX/XX/XXXX, no email from them yet. emailed them again. XX/XX/XXXX. Called city to see if taxes had been paid. No. Balance due has increased again because it's late. Called Freedom Mortgage again. Spoke to XXXX. The last note is from XX/XX/XXXX. States they are waiting for Single Source Title to verify payment was sent to the city for taxes. I asked for their number so I could confirm. He stated they did not have that information. I asked to speak to a supervisor. After waiting 20 minutes, the call was disconnected.
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

I had been unemployed and recieving social services on and off from  XXXX  til  XXXX . Most of the time from   XXXX - XXXX .  I repeatedly talked to representittives from Navient and explained my situation, and repeatedly asked for paperwork to get this on file. After probably 2 years of dealing with this, I finally got the correct paperwork & filled it out and sent it in to be told they never received it. They also put me on a {$5.00} a month payment plan for awhile which I did pay on, and then out of the blue I was sent a bill for over {$700.00} ... when I called and inquired about the change they told me I was no longer eligible, even though nothing in my employment or life situation had changed. I have been dealing with this company for many years now and they have never once made things easy or even practical How is a person receiving government assistance suppossed to pay the outrageous payments they bill you for? My loans are now astronomical because of late fees, interest, and every other charge they can possibly add to my total. My original loans were for way less then half of what Navient now says I owe!!!
Consumer complaint received 2017-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this is the first time I 've ever checked my credit score and I saw how terrible it was and a lot of cards and inquiries that was n't mine. I have sent a lot of mails and called all the 3 credit bureaus regarding fraudulent inquiries on my account. I have no knowledge whatsoever about these inquiries and I even contacted the companies who did the hard inquiry and they said theres no record of it in their system. I have placed a freeze and fraud alert on my account and I do n't know where these came from. I am requesting CFPB to please verify the validity of these inquiries since TRANSUNION REFUSED to help me and was being very rude I am trying to build my credit and responsibly use my financials into getting a mortgage and these are really hurting my credit score XXXX XXXX. XXXX MY ACCT WAS FREEZED, IDK WHO DID THIS, XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I contacted Trans Union regarding an illegal lender showing on my report. The agent did not seem to comprehend what I was trying to tell them and was not very English fluent. I received the results of the investigation around 2 weeks after I filed. The illegal account, XXXX XXXX XXXX, is still on my report as being charged off. This account should be wiped from my account all together due to the fact that in Louisiana they are unlicensed therefore have to forfeit all balance and fees regarding the loan and is deemed noncollectable. See notice - XXXX XXXX XXXX [ Please note, failure to obtain a license with this office shall nullify and/or void each consumer credit transaction or deferred presentment ( payday loan ) transaction originated after the XX/XX/XXXX effective date. These transactions shall be deemed unenforceable and uncollectible. Creditors will be required to forfeit all loans or transaction proceeds, fees, charges, and other amounts paid in association with the transaction or loan. ] I had to call and file a complaint instead of the easy online process because my account was locked out and they would not allow me to access without taking weeks of back and forth snail mail confirming my identity involving sending a picture of my ID and waiting on an affidavit from them ( This is a whole different issue I 'll take up with the BBB ).
Consumer complaint received 2017-01-31
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Applied for a loan, but did n't receive money and lender took money out of my account for a loan they did not fund. 
On XX/XX/2017 I submitted and was approved for an online direct deposit loan for the amount of {$250.00} to be deposited into my personal checking account XXXX XXXX XXXX union. On XX/XX/2017 I called in Cash Central customer service to verify the day the funds would be deposited. I was advised by a representative the loan would deposit on XX/XX/2017. On XX/XX/2017 I checked my account and no monies were deposited by Cash central. I immediately called Cash central and spoke to XXXX separate representative first a man and then a lady and advised him since the money was not sent by cash Central then I request to Rescind my loan. ( Being within the right to rescission time frame ). I was advised they would send an email to their manager and have the loan cancelled. On XX/XX/2017 Cash central withdrew {$250.00} from my bank account causing it to overdraft. I again called Cash central spoke to a rep. and I let her know Cash Central never deposited or funded the loan and that by them pulling the money out of my account was an error. The rep advised that Cash central did send the money to the account and for me to check with my bank. I called my bank and the rep advised there is no record of any deposit from Cash central. I also check my bank statement online and there is no deposit from Cash Central of {$250.00}. I need assistance recouping the {$250.00} Cash central removed from my account and any fees incurred from my bank.
Consumer complaint received 2020-05-09
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. (IL)

XX/XX/2020 Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liabilit
y and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account : XXXX XXXX Account Number : XXXX Provide Physical Verification : Unverified Account/Information about the account is reported incorrectly/Balance Incorrect * Please remove all non-account holding inquiries over XXXX old Thank You, XXXX XXXX
Consumer complaint received 2018-03-30
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. (CA)

On XX/XX/XXXX I called Navient the company that has been servicing my student loan to make my Final payment due after basically 20 years .My payment via Debit card was taken by the representative for the balance of {$96.00} I was told i would receive an email and was also given a confirmation # XXXX for my account # XXXX. This was my Final payment Due. I checked my bank account which verified that my payment was taken out. On XX/XX/XXXX approximately I received an email from Navient asking for me to contact them to correct my late payment due. I contacted their customer service ( XXXX ) XXXX XXXX I gave them my information in regards to my previous payment and was again asked to make another payment which I declined I asked for a direct supervisor capable of resolving this issue. I spoke to a woman named XXXX emplyee ID # XXXX who told me that the original employee who took my payment sent this payment to the wrong student loan via the Dept. of Education that I would have to wait 4-6 weeks for them to send me a reimbursement check which i would then have to forward to Navient to finalize the whole deal. I told the supervisor that I expected that there would be no issue with my credit which to this point after 20 years has never had a problem. Fast forward to multiple emails from Navient when my " payment ' is due with the same threats against my credit and offers to help resolve this issue .All to no avail I just received another prompt for help in resolving this from a XXXX dated XX/XX/XXXX No  reimbursement check has come .I guess my next recourse is Court as this has become ridiculous
Consumer complaint received 2021-02-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (PA)

i would like to make a complaint about this debt collector santander consumer usa XXXX XXXX XXXX XXXX XXXX TX XXXX i have made a dispute since XXXX in the amount of XXXX $ i asked them to verify the validity of this debt they never send me a response back, i want them to remove me from they database and delete this debt because they couldn't provide me with a written verification of this debt.
Consumer complaint received 2018-03-29
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: Experian Information Solutions Inc. (TX)

CRA VIOLATION / WERE DISPUTED ON XX/XX/2018 EXPERIAN DID NOT SEND BACK ANY PAPER WORK MORE THAN 2 1/2 MONTHS.
Consumer complaint received 2018-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I opened an HSBC account on XX/XX/2017 when there's a promotional bonus offer of {$350.00} dollars if open a new account and maintained the balance of {$10000.00} in my new advance checking account for 3 months. I have also chatted with several agent multiple times to confirm my eligibility for the account bonus and also that I have met all the requirements to qualify for the bonus. 

However, the bank told me that their Campaigns and Promotions Team has determined the HSBC Checking account is ineligible for the promotional bonus due to the previous open account within one year of the campaign start date. 

I don't remember seeing anywhere saying this when I opened my account please I also chatted with agent multiple times to confirm I was eligible for the bonus and the agent confirmed I was. Now the bank doesn't want to honor the bonus and telling me I am not qualified. Why do all the agents confirm i met all the requirement and don't double check and tell me I can not qualify when I opened my account. They keep delaying me and locking up in money in their bank and not telling me right away. They locked up my money there for over 5 months making me thinking I will soon receive the bonus as confirmed by each agent i talk to but in the end still won't give me the bonus I deserve. I don't think this is fair for the customer who followed all the rules and requirements and in the end got trick by the bank to keep the money in there for a long time. 

If the bank don't want to honor the bonus, they should train their agent to tell customer the truth right away and not trick them into opening an account because of that bonus and maintaining the money I could have put into other higher interest earning banks. 

Thanks.
Consumer complaint received 2019-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result '' .Transunion & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
Consumer complaint received 2020-11-16
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} I've contacted the company in XX/XX/XXXX to update the late derogatory marks. Please update the 30-day late reporting due to financial hardship and payments being deferred during those times. Payments were deferred and not late.
Consumer complaint received 2017-04-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I purchased a vehicle from Texas  XXXX  of  XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , TX  XXXX  on  XXXX / XXXX /  XXXX   The vehicle was financed with  Fifth Third  Bank  XXXX   XXXX   XXXX   XXXX , OH  XXXX . They received my  Credit Union  certified on  XXXX / XXXX /  XXXX  . I still have not received my lien release.
Consumer complaint received 2015-09-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (PA)

My daughter has student loans through Sallie Mae, I am a co-signer, due to her pay schedule her payment may be a few days late. We receive robo calls about a week before payment is due, and then for about a week after. These calls come every hour. I have called and talked to their representative and they tell me there is nothing they can do to stop the calls even after the payment is made.
Consumer complaint received 2021-02-21
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. (NC)

XXXX, equifax and XXXX  reporting incorrect personal information on my credit reports such as my name, address, Wrong balances and open date. This is considered as misleading and is hurting my credit. My next step will be taking the agencies to court.