davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-27
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)

I have tried several times to get the 3 credit bureau 's to get a bankruptcy off of my credit report, to no avail. I 've also tried to get XXXX XXXX updated on all three reports because it 's being reported incorrectly. XXXX is being reported twice as a primary and as a co-signer. I am the only signer on that loan and it was included in the bankruptcy.
Consumer complaint received 2017-12-27
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: Santander Consumer USA Holdings Inc. (CA)

I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.
Consumer complaint received 2017-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (DC)

I am an elderly, XXXX woman. 
I went alone to purchase a used car in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX phone ( XXXX ) XXXX XXXX works with following company to get loans financed : Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX phone ( XXXX ) XXXX XXXX asked ME for {$11000.00} for a XXXX XXXX XXXX, 4-door sedan with odometer reading of 90,818. THIS PRICE WAS NOT ON THE CAR FOR ALL TO SEE. I thought this was high. 
I asked for the XXXX Report and the salesperson indicated their fax machine was not working. Instead he provided a report titled " Vehicle Compliant with Credit Acceptance Policy '' which indicated there was no damage to the car. 
I agreed to purchase the car and asked for gap insurance. The salesperson indicated that gap insurance could not be obtained that day if I wanted to drive off in the car. I had financed one other used car which was totalled and the car insurance did not pay off the entire loan so I definitely wanted gap insurance. 
The salesperson indicated I could obtain gap insurance the next day. I had taken public transportation to the end of the line then gotten in a taxi to get to XXXX XXXX so I signed a document, under duress, indicating I did not want gap insurance. When I called to obtain gap insurance the next day, I was told I should have gotten it the day I purchased the car and could not obtain it.
The terms of the loan : Amount financed : {$12000.00}, APR : 23.99 %, No. of payments : 54, Amount of payments : {$380.00} beginning XX/XX/XXXX ; Finance charge : {$8100.00} ; Total of payments : {$20000.00}. 

The amount financed of {$12000.00} was reached as follows : asking price of car : {$11000.00} + {$760.00} in sales tax - {$1600.00} downpayment = XXXX plus following costs/fees : XXXX extended warranty contract ; {$20.00} fee to release security interest ; {$170.00} fees for certificate of title, license and registration ; {$390.00} seller 's processing fee. 

When I tried to trade the car in the next year, I was told by a XXXX XXXX dealership salesman that the XXXX XXXX value of the XXXX XXXX in XX/XX/XXXX was about {$4000.00}. The XXXX XXXX salesman provided me with a XXXX Report which indicated that the car had been damaged in an accident and there was a recall on the car. I feel that I was grossly over-charged for the car by XXXX XXXX, about THREE TIMES its value, and that Credit Acceptance added insult to injury by charging me 23.99 % which is practically illegal!!!!! I definitely believe the asking price was high because I am elderly and female.
Consumer complaint received 2022-01-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

Shellpoint Mortgage Servicing have been unwilling to accept facts from the XXXX XXXX Bankruptcy XXXX of Alabama. On XX/XX/XXXX in the response to the CFPB complaint filed XXXX XXXX, XXXX Shellpoint stated the loan was past due for XX/XX/XXXX through XX/XX/XXXX. This information is incorrect and can be proven ( Bankruptcy XXXX denying Motion for relief from stay will be forwarded ) This information shows the debtor cured the debt. Shellpoint chooses not to accept bona fide credible errors of evidence made at the hands of XXXX XXXX XXXX XXXX XXXX XXXX without specific reasons to the borrowers. We disputed portions of the debt due to a ( XXXX ) accident the insurance claim was paid to XXXX. We have requested the names and amount/addresses of every creditor that was said to be owed. We have not received the information as to this date of XX/XX/XXXX.
Consumer complaint received 2015-07-03
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (CA)

I am a current Citimortgage customer. When I inquired to refinance and roll my heloc ( also with Citimortagage ) to lower my monthly interest rate. The loan officer quoted me 3.87 % based on the basic information I gave him over the phone. He then pulled my credit report and I was shocked to hear that my score was XXXX due to XXXX XXXX credit card reporting me with a {$5.00} payment that was 60 days late. I called XXXX because I did applied for the credit card and never activated it and it turned out the charge was fraudulent. I then went back to Citimortgage and their response was that they needed to wait 30 days to repull my credit. I had XXXX send a communication to Citimortgage alerting them that the charge was fraudulent. 
Next Citimortgage had an appraiser value my house in XXXX XXXX California at {$700000.00}. I knew for a fact that XXXX XXXX is known for its superior school system and lack of housing and huge demand so I submitted an argument to the appraisal with my own comps ( the appraiser 's comp were older than 6 months and she does n't live in the area ) Citimortgage had the house appraised a XXXX time ( by the same appraiser ) who this time increased the value to {$850000.00}. Due to the fact the XXXX appraisals took over 9 weeks the lender told me the followingThe can not repull my credit even though I experienced fraud and I need to resubmit all the paperwork again because the original paperwork is too old. The lending office continued to bully me and say thinly veiled threats that if I did not agree to their process I would lose out on the 3.8 percent that I have been conditionally approved from since XXXX 2014. 

I am an existing customer with XXXX loan yet the loan office and the underwriter continued to treat me like I was lucky to be their customer and they would not repull my credit, combine the XXXX loans into a new refinanced loan and wanted me to pull all the information a XXXX time due to their incompetent appraiser whom they used XXXX. 

I work for a bank so I know that lenders have the legal responsibility to treat all customers with respect and fair lending practices. I do not believe Citimortgage is doing that to me or man other of their customers. 
I am happy to come forward with data to support my statement of unfair lending practices and poor treatment of customers.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (LA)

my credit limit was once XXXX dollars. i have been paying on my card for a long time. i think pentagon closed my card improperly and did not notify me properly to get legal representation in my matters. I do n't think my account should have been closed for late payments and i have been paying on the card for over 10 years and it should be reopened without having to reapply.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have made a transfer of XXXX on the XX/XX/XXXX. I contacted coinbase via phone no response, via email which they replied saying they have seen the problem and will resolve this however this has not happened. Its been exactly 20 days with no help. I would like my money back or for the money to be transferred ASAP! Thiis very bad customer service and I am extremely disappointed.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Sky Blue Financial Services, Inc. (CA)

Ordered their basic service and was not supposed to be billed until 6 days later but was charged immediately. Can celled and have not received a refund Ordered their basic level of service at {$59.00} on XX/XX/17. Was also made to pay {$15.00} to their credit report service that they insisted they needed to do their job, but is another company. My card was not supposed to be charged for 6 days from the date of account creation yet I was charged immediately where upon I informed them that I wanted to cancel and get a refund as they did not follow through with their promised action. To date I am still waiting for my money back. I have called them and they claim it is the bank holding my money in a pre-authorization state. The bank claims it is them and that it would fall off after a week yet it has now been over two weeks.I also called and cancelled the credit reporting service that was a mandatory purchase for their service yet is a separate company.I plan to continue calling both parties- the bank and sky blue but judging by their actions so far it would appear like they have better interests than giving me my refund.
Consumer complaint received 2024-03-21
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (OH)

The XXXX XXXX XXXX XXXX admissions representatives that I spoke to prior to enrolling flat out said that the majority of my loans would be federal student loans, never explained or pointed out that the loan documents I was signing were actually private student loans through Sallie Mae ( later transferred to Navient ). This stood out so much that when I attempted to take out a car loan from my bank, I double-checked the paperwork and found that the car dealership switched to a car loan from another bank. Luckily ( or not ) the previous experience taught me to pay closer attention to what I'm signing and ask questions if I'm uncertain about something.

There were so many times throughout my XXXX XXXX  XXXX XXXX XXXX XXXX where I was required to go out of my way to sign 'updated loan documents ' or I wouldn't be able to attend classes. It happened so much it felt like a prank. It wasn't. It kept happening all the way up to graduation. I received phone calls after finishing my last semester that again asked me to come in and sign 'updated loan documents ' or there was a possibility of my diploma being withheld.

On top of all this, when I started asking questions I was given the runaround. Scheduled meetings with admissions and loan advisors kept being changed, those same advisors were conveniently 'away from their desk ' or 'in a meeting that we don't know how long will go ' and reminded 'the time has been scheduled and there's nothing to worry about '.

I was treated as a statistic throughout my entire enrollment, then ignored completely after graduating. I asked for, but never received, copies of all the loan paperwork I signed. Same goes for my entire file. XXXX XXXX XXXX XXXX  was essentially a front for money laundering. The victims? Every single student that trusted an institution of higher learning. 

XXXX XXXX XXXX  were sued by, and lost to, the Department of Justice. XXXX XXXX XXXX are also part of an ongoing lawsuit that includes over XXXX other fraudulent schools. Each and every XXXX of those school 's students deserves a second chance to get a worthwhile education.
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NC)

LVNV FUNDING LLC, Account Number XXXX balance XXXX  I am unaware of this debt, I didnt have opportunity to dispute this information. I did not receive proper notification, if in fact you believe you gave me proper notification then please provide send me the certified receipt with my name on it along with my signature stating that I received it.
Consumer complaint received 2021-02-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've submitted numerous letters requesting for this account to be investigated and it was not. My recent letter dated XX/XX/XXXX was sent certified and the account was never investigated nor was it corrected. I demand deletion of these accounts. 

XXXX is reporting XXXX XXXX XXXX as a factoring company and stating that I owe them a loan amount of {$640.00} for account XXXX and {$460.00} for the same account number they are reporting. 

XXXX states on their report XXXX XX/XX/XXXX comments " account information disputed by consumer ( meets the requirements of the fair credit reporting act. ) I then submitted my dispute with them same day and now they are reporting the account as a factoring account with a loan past due with balance. I've attached copies of the XX/XX/XXXX report and XX/XX/XXXX report for you to review. Per the FCRA and FDCPA I demand these items get deleted from all credit reporting agencies. 
Thank you, XXXX XXXX
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

There is a comment on my mortgage from XXXX XXXX that I disputed my mortgage. I never made the comment. I called Equifax to request the information be removed and was promised that it would be immediately removed. I received an email from Equifax on XXXX/XXXX/XXXX which provided a link that would allow me to see a credit report without the dispute information. The report still contains the disputed information. I called Equifax and spoke with a supervisor named XXXX ( ID # XXXX ) who stated that the information was removed but he could not give me a new link to a correct credit report. I pulled a credit report through AnnualCreditReport.com which still showed the disputed comment and now has added a comment that the mortgage was modified. I call Equifax a second time and spoke with a supervisor named XXXX ( ID # XXXX ) who explained that he could get me access to the corrected report if I paid for the Equifax XXXX XXXX. He then signed me up and charge my credit card a {$6.00} reoccurring fee. I pulled the report through this service which does not show if there are any comments, it is only a summary of the account. I called Equifax a third time and spoke with a supervisor named XXXX ( ID # SCC ) who said the disputed information is not on the credit report, but she would not cancel the Equifax XXXX XXXX and would not provide me access to an updated credit report.
Consumer complaint received 2022-09-08
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Consumer complaint received 2022-03-10
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. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-03-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

Cardinal Financial & its successors and assignors, provide a written statement by XXXX XXXX, saying that she am committed her rights due to an emergency per CFPB 1026.23. as Cardinal Financial has stated, it did not end do not have to provide XXXX XXXX with her rights being that XXXX XXXX signed a deed to trust. Cardinal Financial violated XXXX XXXX constitutional rights per 18 U.S. Code 241 - conspired with XXXX XXXX and other assignors successors investors who conspire to injure, oppress, threaten, or intimidate any XXXX XXXX and prevent it, she and her household free exercise or enjoyment of their rights or privileges secured by the Constitution or laws of the United States, or because of his having so exercised the same. Cardinal Financial and its a signers violated XXXX XXXX rights by purposely concealing her right of rescission.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

{$340.00} was charged on account on XX/XX/year> that I dont have any information on from either bank or the merchant. 

Called chase and the merchant multiple times to get refund. 

I didnt get the refund even after dispute.
Consumer complaint received 2019-10-27
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. (FL)

EXPERIAN HAS INFO ON MY CREDIT REPORT THAT IS INACCURATE. 

NOT MINE : XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2017-09-29
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. (FL)

I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also (XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at transunion. I simply want these inquiries removed from my credit report with all credit bureaus.
Consumer complaint received 2017-09-29
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (CO)

XXXX XXXX, a unit of Nelnet, sent me a notice of increased payments calculated on my student loan due to a variable interest rate. They repeatedly refused, and continue to refuse, sending me the complete set of calculations supporting the change in payments. They sent partial libor related data but never sent the full equation and explanation. I contend this is egregiously wrong and evidence of bad faith in lending and the process of collecting payments. I would ask that they notified of a valid complaint and an investigation commenced. Failure to share details such as this generally implies there is something to hide. My name is XXXX XXXX and phone number is XXXX XXXX XXXX.