davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-09
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associate has no right to collect on a debt delinquent from XX/XX/XXXX and XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( {$900.00} and {$710.00} ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (FL)

He had a XXXX XXXX XXXX model car which had a cost of {$16000.00}, he had been paying for it for approximately 3 years without any problems. This year, in the month of XXXX, I called so that they could make an adjustment in my payment, they said that it would be possible, but in the month of XXXX, they repossessed the car. Situation that I really did not understand because they had reached an agreement with me. They tell me that I have until XX/XX/XXXX to refinance the car or pay the amount I owed. When I called and paid for the car they told me that it was no longer possible because it was bad communication with me and it had to be a day before. They accept that they were wrong but there was no remedy.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has violated my consumer rights. They will not remove or fix a XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My Capital One credit card account ending in XXXX went to collection around XX/XX/XXXX. Account got closed and I started getting call from a collection agency named XXXX ( XXXX ) around XXXX XXXX and XXXX told me that my capital one account was closed and had gone to collection and now XXXX was handling the account. I made the payment to XXXX for total balance and believed it to be all resolved. I also received a letter from XXXX stating that I had made full payment on my capital one account. Fast forward in XX/XX/XXXX, I did my credit score check and found Capital One balance of {$60.00} lingering on my credit report for many months. I disputed the amount but got no result from CRA or Capital One. Now, when I call XXXX, they would not even take my call and instead refer me to Capital One. When I call Capital One, they say XXXX already closed my case. Due to this erroneous reporting of {$60.00} balance occurring for many months, my ability to obtain credit fairly was restricted. I had no choice but to call Capital One and pay the {$60.00} to prevent further damage to my credit. However, I still believe that by unfairly reporting {$60.00} in my CRA reports, I was forced to pay the amount. Furthermore, it damaged my credit reputation. I request CFPB to ask Capital One to look into this matter in detail and correct their mistake, and remove erroneous reporting from my credit report.
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had consolidated my debt into XXXX XXXX XXXX and completed my obligation to my debtors. Kohl 's credit card will not provide me proof of my payments made to them. They say the status of my account was closed for debt collection and they will not issue statements to me. How is that legally allowable? 
I made the payments yet they will not provide me receipts or statements. I have proof of my payments through the credit organization but no proof that Kohl 's applied those payments to the account.
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I called Mohela several times during the COVID moratorium in order to find the interest on my loans. They would not provide me an interest rate on my loans so when I made payments, I could not direct it to loans with a higher rate. I have a concern that they were accruing interest on loans that should not have been growing. When the loan totals and interest rates were finally accessible the amounts were higher than expected. 

I refinanced my loans in XXXX with XXXX and a payment exceeding my total loan debt was sent. Mohela cashed the check but did not credit my account and continues to call me for payments. I have spent over 10 hours on hold attempting to speak to a supervisor and I have been sent to dead ends or have been hung up on. I've expressed to them that I am getting spam calls, so I need to speak to someone when I call in versus waiting for a supervisor however they have failed to connect me after assuring me that after waiting I would. When the supervisor calls, they call from an unknown number and provide a call back to the main number which starts the process all over again. I am also a surgeon and unable to step away from patient care when I am operating which makes this process more difficult. It also looks like I have over XXXX in student debt with Mohela and XXXX with XXXX now. This also impedes my ability to obtain business loans for my private practice. 

This practice that Mohela is performing has been predatory and exploitive.
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My mortgage ( Loan # XXXX ) is on forbearance with the servicing company XXXX. XXXX sold the mortgage to XXXX.I was reported delinquent 30 to 60 days delinquent to all three credit bureaus on and around XX/XX/2020. I immediately contacted XXXX to request a correction to the credit bureau reporting. As of XX/XX/2020, it is still being reported delinquent and is affecting a job offer I have from a financial services firm. 

In addition to this, calls to various customer service phone numbers revealed that I had been billed late fees while on forbearance, changes I requested to my mailing address were incorrect, and four requests to process two {$700.00} payments to my mortgage. 

Below is a sampling of my communication with the XXXX customer service representatives and manager in recent weeks. 

Activity XX/XX/2020 Requested {$700.00} auto payment of {$700.00} withdrawn from my account. The agent informed me I had also been billed late fees during forbearance. I requested to have account escalated because of delinquent credit bureau reporting while on forbearance Agent ID XXXX Confirmation # XXXX Agent ID XXXX Webchat with XXXX-I requested with making a payment and the delinquent credit bureau reporting An email on XXXX to XXXX requesting correction to the delinquent credit bureau reporting. 

XX/XX/2020 Spoke with Agent ID XXXX and requested a payment of {$700.00} ( Confirmation # XXXX ) XX/XX/2020 XXXX, a manager in XXXX Call Center in Arizona called me from his cell phone in response to the request to speak with a manager earlier in the month. He informed me that I need to call the Loss Mitigation area and escalate it to a manager at XXXX. This is a number I dialed several times before and requested to speak to a manager. I had been repeatedly told no managers were available. 

XX/XX/2020 Spoke with Agent ID XXXX XXXX in Loss Mitigation who informed me no supervisor was available to speak to me and asked if it was XXXX fault that the account was reporting delinquent
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2016-10-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: SQUARETWO FINANCIAL CORPORATION (CA)

I 'm trying to refinance my home and I was told I have a judgement against the property. No idea., I have lost so much since the housing meltdown. My business and property and lost my job. 
Finally have a job underpay. I have so much going on., now this cach LLC sue me claim they serve me., which is not true. 
Now XXXX told me they ca n't continue till the judgment is clear. I do n't know What to do., they file the judgment XX/XX/XXXX. I believe it was charge off by XXXX XX/XX/XXXX/XX/XX/XXXX Please help me
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had settled a debt with a collection agency in XXXX of 2015. I was given a receipt for paying this debt, which says the account would be closed. However, this debt has been posted to my credit report as " in collection ''. The receipt ( as well as what I was told by the collection agency ) makes clear that this debt was accepted ; therefore the delinquency in my credit report is false.
Consumer complaint received 2016-12-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ideal Collection Services, Inc. (FL)

Between XXXX of XXXX and the end of XXXX I lived at XXXX XXXX XXXX XXXX XXXX on a lease with their community leasing center where I handed off the apartment in the same ( good ) condition I received it since the leasing center offered me to continue someone else 's lease who was leaving the country and indicated I did not need to provide a security deposit since the leaser before me had already given XXXX. During this two and a half years rent was paid on time every single month. 
At the time of leaving ( ending the lease ) I handed them the apartment in the same good conditions which was received by the leasing administration without a problem with both parties consensus. I never received phone or written communication from them or any representative to indicate something was pending, not even when I left the apartment and they indicated everything was fine and that they were comfortable with the condition of the apartment. Nothing pending was claimed at the time of giving the administration the keys of the apartment. 
A few days ago I noticed in my credit report that I owe {$1000.00} XXXX to IDEAL COLLECTION SERVICE and that there was a debt originally from XXXX XXXX AT XXXX so I communicated with them right away to understand what was going on and asked for details about it. After several tries ( calls and emails ) they replied to me indicating I had to deal directly with the collections office. Ideal Collection Services sent me a vague description of what was claimed to be the charges without any proper documentation supporting these false claims. None of these charges were mentioned when the end lease agreement was signed and it is strange how after the apartment was received in good conditions after 6 years I hear about these charges for the first time. 
Given the irregular situation, I request through you, suspend this irregularity on my credit report which affects me and to properly request documentation supporting this claim to the collections office where the debt is currently held with the " check out '' agreement that was signed when the administration received the apartment keys indication clearly that there is a payment or repair pending on my side. Additionally a copy of the attempts to reach me to communicate said pending charges since I have not receive any communication from XXXX or the collection office at all at this moment and were denied to me when asked for it to XXXX and later to the collection office where they provided a vague letter without any details or backup of said pending charges.
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2016-06-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

HSBC bank has not credited our account for {$750.00} per their offer which is long overdue now. We opened our premier account with HSBC Bank with {$100000.00} and had Direct deposit of more than XXXX SS checks in our account as required by the HSBC Bank to qualify for a credit of {$750.00}. They are giving us run around and wasting our time and efforts without any action. They keep on avoiding to honor their commitment for which we have documentation. Please help us out, collect {$750.00} as per original agreement.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I Filed a Complaint with Consumer Financial Protection Bureal concerning XXXX XXXX XXXX and XXXX has Responded and Resolve my Dispute with them and have terminated further collection efforts and closed their file and have notified the bureaus to Delet their trade line from my Credit file this reply I 've received on XXXX XXXX by E-Mail and again by postal service Transunion is the only bureau that had not removed XXXX XXXX XXXX Trade Line from my Credit File in fact Previously to my Notice from XXXX XXXX they was not on my Transunion Credit File until after I 've Received the Notice to Remove XXXX XXXX XXXX from All Bureaus on This Date XXXX/XXXX/2016.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX has been taking my loan payment of {$1400.00} since XXXX of XXXX and I have never received any credit for on time payments on my credit report. This is not fair considering they hit your credit when you apply for the lease/loan. This may not seem like a big deal, but it makes a huge impact when you are trying to get loans or credit cards.
Consumer complaint received 2022-02-14
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX  days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (GA)

I was about To pay for an airline ticket, I was offered an American Express credit card stating if approved I would pay {$200.00} less. I applied to get the {$200.00}. I was approved right away, I was given all the information needed to pay, and I paid. I applied only because of the offer. I have talked to 4 or 5 ppl and everyone has a different answer. Now, I was told I wont have the offer because it was declined ... so I was approved but not getting the offer which I find unacceptable. I was told it was on the approval, Of course in very small letters knowing nobody read that ... so, why I get the credit card, and not the offer? I need help please. Big companies keep just by lying getting customers and money offering things that are not real!!!
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (GA)

My XXXX XXXX XXXX on XX/XX/2021. She had been receiving Social Security payment into her Direct Express debit card issued to her through SS. When she XXXX, I notified SS to let them know so they would not issue any more payments to her debit card ( I did not want to have to return the money ). 
Direct Express closed her account which had apox. {$1200.00} in the account. Because SS issues payment for the previous month, none of that money had to be returned to SS. 
In XX/XX/2021, I sent a letter to Direct Express asking for the balance her Direct Express sent me a letter XX/XX/2021 stating there were no funds in the account to be disbursed to me and just referred me to SS. 
I contacted SS about the funds, and they said they did not show any funds being returned. They did not offer to call Direct Express to settle this problem. 
After several back and forth calls to both Direct Express and SS, I never have gotten any information where the money went or when it was taken out of the Direct Express account. 
I am attaching the last letter ( sent by reg. mail ) to Direct Express summarizing my demands for information concerning the missing funds. I NEVER GOT A REPLY. 

There is no way funds can be taken out of a bank account without a complete XXXX XXXX of where they went, time or date. 
Please help me resolve this money that was due my XXXX and our family.
Consumer complaint received 2022-02-14
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. (MI)

This inquiry does not make sense to me, I think this was not intentionally done. I can not remember it. 
. XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

XXXX is the loan Fay Servicing is servicer. 
I was behind on the loan about 3 mths. Explained that a combination of XXXX on my XXXX  and major repairs required on the property. I sold one property on XX/XX/20 and paid XXXX {$150000.00} + out of a previous payoff of {$250000.00} now they are saying I still owe {$110000.00}. Their final should not exceed {$100000.00}. ( 1 ) They fail to give consideration to the waiver of default interest since it was due to illness. ( 2 ) They have failed to refund me for insurance that they bought and should cancel and refund me.
Consumer complaint received 2016-09-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (AL)

I sent request for information, for XXXX and XXXX XXXX mortgage statements, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/XXXX. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX