davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-06
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)

Hello, I have disputed fraudulent inaccurate information with Transunion on several occasions. The most recent was XX/XX/XXXX2017 when I sent certified letter requesting originating documents of a student loan that is on my report twice. The response I received was that information was verified. I did not request " verification ''. I want all the original documents that were applied for with my name. I did not apply for a student loan, sign a contract, receive funds, or authorize use of my name. I advised them to delete this inaccurate information if they wont send me the requested documents. 

The first account is XXXX XXXX XXXXXXXX # XXXX opened X/XX/2017 The second is XXXX XXXX  XXXX # XXXX opened date X/XX/2017 The second account is the same loan with a variation of the banks name with an inflated balance and changed opened date, this also gives the illusion that these are two separate accounts when they are in fact the same account. At this point I cant even access my account online to view or dispute the information again. The supplied phone number has me holding over 97 minutes now, I really need assistance trying to deal with this company.
Consumer complaint received 2017-11-17
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: SYNCHRONY FINANCIAL (PA)

I have went on XXXX XXXX to check my credit score because I am trying to get an apartment. I realize their are several hard inquiry 's that do not belong to me nor did I ever apply for these accounts. it make me very upset because I been working hard on trying to fix my credit! I have reached out to the company 's and basically told me there is nothing they can do about this situation.
Consumer complaint received 2021-02-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2022-12-13
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. (MN)

I reviewed my Consumer Reports and noticed that I had at least seven late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (OK)

I was arrested on XX/XX/2021 however the accusation was false and after an investigation was completed by a Detective I was released immediately and no charges were filed. Now it is on my background report.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: USCB, Inc. (CA)

USCB America has reported I owe them for ( 5 ) Unauthorized charges of {$69.00}, {$270.00}, {$200.00}, {$51.00}, and {$67.00}. These charges were never authorized. Please help me to get this resolved.
Consumer complaint received 2020-11-12
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. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Santander for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Law Offices of Robert J. Colclough, III (CA)

Allied Collection Services has continuously reported a collection account as " past due '' with a past due balance of {$4900.00}. According to the FCRA, a collection account is by default past due & should NOT be reporting as open, having a past due balance or any payment history. They have caused continuous & detrimental harm to my credit report.
Consumer complaint received 2021-07-05
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (NJ)

This complaint is about my frustrating experience with Hyundai Motor Finance. 
I love my XXXX XXXX XXXX XXXX XXXX. I was leasing it for 3 years, had no problems with it, as well as low mileage, and decided to buy it when the lease matured XX/XX/XXXX. 
The issue is not with the car, it is with the company. 
At the end of my Lease, I informed them I will purchase the car. 
I contacted the Lease End Department on XX/XX/XXXX, got the buyout information. 
On XX/XX/XXXX XXXX I made online payments for the total amount required and emailed the odometer reading statement along with the confirmations of payments Then the ordeal started. In short, I have been calling several times a week to get an update, the Buyout Department had to apply the payment, close the account and after that send me the Title ( which takes 10 days as I was told!!! ) Every time I had to be transferred from one department to another. You can get only the first name of a person you talk to, They are not allowed to give the last name!!!! and email is for internal purposes only. 
Every time they assured me of sending emails to the Buyout Department to expedite the process. 
I am still waiting for the Title. Moreover, when I log into my account it still shows unapplied credit. The buyout department has not corrected the error! This company needs to hire competent people and train them properly. 
I sent emails, posted the companys page on XXXX with no result. 

Despite multiple attempts, I couldnt get the problem resolved. 
Therefore, I had little recourse except to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). There is absolutely ZERO accountability at the at Hyundai Motor Finance ( HMF ) Lease Buyout and Titling departments. Customer Service in the Leasing Finance unit is a disaster. 
I am retired and on XXXX, I had to take money from my retirement account to make the payoff Now I am receiving letters from the company threatening with legal action if I dont return the car immediately.
Consumer complaint received 2017-10-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (FL)

I submitted for my annual recertifiction well before it was due to Nelnet. I have a third party that checks on the status of my account and they indicated that the application was received and currently in process. It was n't until the application was almost expired that I received a notice requesting additional income documentation. When I originally submitted my income driven repayment plan recertification I had not filed my XXXX return as I had filed an extension so I submitted the application with my XXXX return as the application indicates. Nelnet took so long to process my application that I fell out my income driven payment and into the standard payment although it was submitted 2 months in advance on XX/XX/XXXX. I did not file my tax returns for XXXX until XX/XX/XXXX. No Nelnet is  requesting that I submit a whole new application because it is too old although it is their fault that it has taken so long. I submitted my XXXX return as soon as I had it and they are making me wait an additional month to process and forcing me to submit another application since I am no longer in my program because of THEIR slow processing. If they would have told me initially to send them a copy of my extension I would have, but the DID N'T tell me ANYTHING until it was too late. They have just been wasting my time and now are putting me in a financial burden for THEIR error. Instead of trying to process my application quickly they have been stalling.
Consumer complaint received 2021-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (SC)

Americollect Inc reported their unverified medical account to my credit file on XX/XX/2021 and XX/XX/2021. I have no idea how Americollect Inc received my personal medical information. I have not agreed to do any business with Americollect Inc, I have not received any goods or services from Americollect Inc, nor am I responsible for their debt collection purchase from their alleged client. Americollect Inc, has flagged my credit before without first proving their account ( s ) belong to me. Each time Americollect Inc failed to validate their debt. Americollect Inc have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. Americollect Inc continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I will upload proof upon request.
Consumer complaint received 2021-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

An unverified account was reported to my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Reporting agency disclose to me all the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. They have responded by saying that these accounts have been verified. I would like copies of the documents that they have in your files that were used to verify them. If they do not have any documentation in their files to verify the accuracy of the disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Consumer complaint received 2017-10-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I live in XXXX and affected by hurricane XXXX and requested forbarence on my morgage on XXXX/XXXX/XXXX but they pulled my payment on XXXX XXXX So I Wrote on XXXX they contacted me and said they would do a wire transfer which took part of the day and creating so much stress I had to get medical treatment .I wrote XXXX XXXX and another supervisor contacted me his name is XXXX and he transfers me to supervised XXXX who said I had to authorize a transfer and I said I was medicated /sleeping after taking narcotic pain meds for my XXXX they caused and having a XXXX XXXX contact me to see if I was going to XXXX XXXX as I stated they would have my XXXX on their haves if I had a XXXX or XXXX.Today I see in my credit union XXXX XXXX payments and NFCU says XXXX my statement I am overdrawn but NEVER contacted me .I wrote XXXX XXXX again and XXXX no response so again instead of repairing damages from their mistakes I will have to spend the day fixing their errors and again requiring more meds and no hurricane repairs.
Consumer complaint received 2017-11-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (KS)

I cosigned on a SUV with my then husband through Santander. When my husband I separated, I talked to the company and gave the car back. Because the car was barely used, they told me they would sell it for the exact amount I owe and they did. My credit report updated with a closed account and a XXXX balance. Months later, a balance showed up. The next month it increased. So on and so forth. This is unacceptable. A balance should not appear out of nowhere and increase after the car was given back, sold, and was sold for the exact amount ( at least that it was I was told ). This is impacting my credit score even worse. When I called, I literally got no answer about it. Almost as if it was being said to me that this is an 'it is what it is ' situation. Completely unprofessional and unacceptable. I do n't remember the exact dates but it was this year, XX/XX/XXXX. I gave the car back last year, XX/XX/XXXX. Then a balance shows up THIS year a few months ago. The balance now is {$3800.00}.
Consumer complaint received 2019-05-20
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. (NM)

My credit report from Experian, case # XXXX, dated and received XX/XX/XXXX shows to problems : 1 ) Unauthorized co-applicant for a credit report. My ex-husband shows as a co-applicant/spouse on this report ; I did not nor have I requested a joint/co-applicant credit report with him since our divorce in XX/XX/XXXX. This report includes detailed information about accounts that are his only. I do not want any credit reports or inquiries to include any of his information or accounts. 
2 ) XXXX unauthorized inquiry dated XX/XX/XXXX. I did not nor did any vendors serving me request or authorize this search. As part of my own due diligence I called XXXX as well as all of my vendors ; my vendors said they did not request the XXXX search. They also said it is not a part of normal business practices.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After having made a payment that exceeded by balance on my CapitalOne MasterCard, on XXXX/XXXX/XXXX, CapitalOne drafted me a check for my credit balance in the amount of {$120.00} which I received in the mail shortly thereafter. On XXXX/XXXX/XXXX I mobile deposited their check to my XXXX checking account using my smart phone. On XXXX/XXXX/XXXX I received a letter from XXXX indicating that the CapitalOne check I deposited was returned as it was drawn on a CLOSED ACCOUNT! XXXX 's letter further indicated they were debiting me a {$12.00} returned item fee. On XXXX/XXXX/XXXX I called CapitalOne customer service at XXXX and reached some guy in XXXX who barely spoke XXXX that was difficult to understand. After going round and round with this guy, he finally indicated that CapitalOne would send me a replacement check but only for {$120.00} credit balance amount but would not reimburse me for the {$12.00} returned item fee that I suffered for having deposited their bogus, worthless check that was drawn on a closed account.
Consumer complaint received 2017-10-06
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. (NC)

on XXXX XXXX, I sent an investigation request to Equifax. 49 days have now passed, and Equifax has not responded. They are supposed to respond within 30 days.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Nav Technologies, Inc. (IL)

NAV took monies from my account and locked it so now I can't use my own money.

I've had a refund coming from a merchant and NAV took that refund and stored it as a credit on their side instead of returning it to my linked bank account where they took it from in the beginning.

Nav refused to do anything. I had another refund come in and now they just took that money and kept it, then locked my credit card so I can't use it.

Nav excuse is that my account needs to be relinked from " their trusted '' partner XXXX, which XXXX now don't want to link the account, and their lie is username from bank can't be verified all of a sudden, which is a lie. 
So, now Nav don't want to refund the refunds I have that they took upon themselves to store as a credit which I didn't ask for even before they stolen and locked my card. 

Now, nobody wants to talk to me, and they use another lie saying they can't verify my identity, and they want to verify theirs with me when they call, so they use that as am escape goat to not handle the situation from their apparent fraud. 

All this scam company had to do in the first place is not hold people 's money and return the transaction back to the original method, which was my linked bank account. 

So, the question now is, if you can't identify me, how was this account even opened. 
And most importantly, you're not contacting the real owner, why isn't the account restored back to its whole form and you release my money and close it. 

So, as you see, this is a scam, especially when the company don't even have a phone number so people can call them, they get slick and gives you XXXX 's number and not their number. Nav also don't have any physical locations nor other real business-related communication.
Consumer complaint received 2017-11-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

On XX/XX/2017, I contacted Caliber home loans ( at XXXX ) in regards to my home loan escrow balance and taxes. Let me first start off by saying in order to speak to someone there is a lengthy automated system which has prompt after prompt. Once i spoke to the tax department I then was transferred to customer service. I have an escrow balance of {$3500.00}. My taxes last year were {$680.00}. This year they increased to {$7800.00}. The reason for the increase was due to the fact that we built our home and the previous year taxes were only {$680.00} because the city estimated the taxes without the home and only the land. Upon speaking with a customer service representative ( ID # XXXX ),  he was very confused on the details of my loan which happened the last several times I spoke with Caliber. I asked very clear and direct questions regarding my escrow account : " where is the money being allocated to and how much ''. He began to say several times " ummmm ''. He seemed to dance around my question. This is the only info I gathered being that this info is NOT accessible online. Here was the breakdown he gave me and he said he didnt know how else to explain it. The only reason I have any of this info was because I had to ask several times and redirect him back to the original question. 

{$3500.00} ( in escrow to date ) - {$1500.00} ( to insurance ) - {$630.00} ( PMI ) ___________  {$560.00} remainder ... ...?? Where is the rest of the money going?? He got rude as if I was being unreasonable. The call was recorded. I asked to speak to someone else or a supervisor and he then refused stating he answered my questions to the best of his ability. 

I then was transferred by him back into the que after stating that this was a recorded line and i want to speak to someone else. I then spoke with another woman in customer service. This woman could not tell me what my escrow balance was stating " where do you see that info? ". She then said let me look at the notes from the previous representative. I told her I do not need you to do that. I need you to look at my account and give me direct answers to my direct questions. I explained to her that a portion of my escrow was going towards my taxes and It isnt listed on the annual escrow account disclosure and statement, nor is the breakdown of where the money is being allocated to. She again sounded confused and said I can mail you out another statement. I told her that when someone trusts a company to handle their home loan, they expect direct answers about where and when payments will be made on their behalf and how much. I also told them I would be reporting them for their deceptive practices. I would like them investigated to see why exactly they are unable to give direct answers regarding payments allocated from the escrow account.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.