davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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. (CA)

XXXX XXXX XXXX XXXX XXXX i believe this company has violated code 15 USC 1692c B the communication with third parties. 
also i believe this company continues to report this account as every month in payment history as collection. once a account becomes a collection it is closed then sold.
Consumer complaint received 2017-09-27
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. (CA)

XXXX collection items are continuously to be reported although the information furnisher can not verify the information with me directly. I have requested that XXXX collection items be verified with signatures, contract as well as a promise to pay. I have also asked for accounting that shows how the debt was arrived at should the identifying documents be produced. Neither XXXX XXXX or XXXX XXXX XXXX XXXX has provided me with this information over the course of one year. They are well past 30 days to respond. When I notified Transunion of this, this credit reporting agency refuses to take heed to the fact that I have proven these line items to be unverifiable. This agency continues to KNOWINGLY report unverifiable information.
Consumer complaint received 2017-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (AL)

I initially received my car loan for my XXXX XXXX that I purchased at XXXX in XXXX Alabama on XXXX XXXX, XXXX for {$14000.00} and have made monthly payments of {$380.00} since. My balance is at {$10000.00}. After five years of paying {$23000.00} on a {$14000.00} loan I have only paid less than {$4000.00} in interest. My payment this month went 100 % toward interest ( after 5 years of paying ) and my payment last month of {$380.00} only put {$61.00} toward interest. In early XXXX of this year I paid {$1000.00} and asked that it put directly toward principal as it was besides my normal payment, Santanders put {$210.00} toward interest and the rest toward principal I had to call several times and threaten to sue before they reversed the payment and put it all toward principal, my very next payment they only put the {$61.00} toward principal and this last payment, none.
Consumer complaint received 2017-09-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I had a security service paid monthly with XXXX back in XX/XX/XXXX and part of XX/XX/XXXX on our previous home back in XXXX UT. We cancelled the service in XX/XX/XXXX when we sold the home. XXXX continued to charge me for this service even though we did n't own the home any more. I thought this was cleared up in XX/XX/XXXX but now, in XX/XX/XXXX, I see a collections company called XXXX XXXX out of UT, put a collections action on my credit report. I tried to dispute online with Experian but I could not because I did not have a " Report Number ''. I tried the alternative way where you enter in your personal information and all it did was send me to a page that had their mailing address, etc. -- therefore I could not dispute online. I had to call and I waited for over 20 minutes to talk to someone and I started the dispute with that agent. 3 weeks later and I have not heard anything -- so this time I signed up for their credit service to get a new credit report thinking it would give me a " report number ''. It did n't. 
I say all this because I disputed with XXXX and it was an easy process to do without a " report number ''. the " report number '' requirement is a scam to get you to buy a report as there is no number on the free report or even on their monthly monitoring service. Also, we are in the process of buying a new home and my credit score has dropped over 100 points because of this collections item. I read where FICO scores are not supposed to factor in disputed items but now it looks like Experian did not actually put in the dispute. I have tried calling in again -- waiting on hold for over 10 minutes and then they tell me they have to transfer me to their disputes department. 

This process NEEDS TO CHANGE! CONSUMERS NEED MORE RIGHTS AGAINST THESE 3RD PARTY COLLECTIONS COMPANIES AND AN EASIER PROCESS TO DISPUTE!
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (PA)

in accordance to the fair credit reporting act. This creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2017-09-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (GA)

A few months ago I started to received at least five calls a day on my cell phone from this number and a number from Missouri. I never answered the phone because alot of it was during work hours. Then they started calling my work office number, repeatedly harrassing my coworkers if I did not come to the phone. I talked to one person and asked that they stop calling my business and they said they would. They told me I had an outstanding debt that I thought was legitimate, but has never sent me any information regarding it in writing. They have continued to call me at least once or twice every day on my cell phone since then, and today on XXXX called my office twice again today. When my coworker picked up the line she talked to someone named XXXX and she put him on hold. When I picked up, no one was there and it hung up. The phone immediately rang again and she picked up again, and he gave her his number which is the XXXX. I do not know if this is a legitimate debt collector over any of my debts. And if so, I do not want to do business with them and their practices. They are harrassing me night and day.
Consumer complaint received 2017-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (OH)

at XXXX my social security check showed that it was in our account giving us balance of XXXX there was two pending charges of XXXX and XXXX which was subtracted to give us our balance of XXXX no other pending charges were shown. at XXXX on the same dateXX/XX/XXXX 5 hours later a new check for XXXX appeared a check forXXXX appeared ach debit for XXXX appeared we were assessed two XXXX fees then the ss deposit was placed as pending and the XXXX charge was taken out giving us a balance of XXXX chase bank changed the order of items coming in to account fromXXXX to cause them to create a negative amount in our account so they could assess us two XXXX charges. the check for XXXX and check forXXXX never showed up tell after the XXXX ss deposit was made. chase changed the order of the items to be able to charge us two XXXX charges
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

AAA accepted and cashed a check in full and final satisfaction which is a written contract accepting final sum. They refuse to stop billing and are now assessing penalties and interest and sending me another card and another bill despite the fact that I have communicated with them to discharge and close out this credit card. 

See attached
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I disputed AN sent to transunion to remove a hard inquire to XXXX credit card. AN also set to the credit. 30 days have passed with no reason. I told them it 's not me an no response to remove the item nor any info updated.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted XXXX/ XXXX/ XXXX regarding my student loan and I have disputed it with the credit reporting agencies ( Equifax, XXXX, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. XXXX XXXX XXXX told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.
Consumer complaint received 2017-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Alliant Capital Management LLC (TX)

This company has called my job threating me and leaving very naughty messages on my voice mail. This has happen a number of time, not only are they calling my work number they are calling my cell phone. XXXX XXXX XXXX is the person that is calling. I am not sure who it is for or what company he is calling about. On XX/XX/XXXX he called mentioning that he has my home address and verified my employment that was completed by some one on my job. No one here has told me that they completed a Verification of employment for me. The phone number that he is calling from is a local number but tell me to call back at XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (TN)

Around 2018 until now I have seen in credit karma that I was pre approved for loans and credit cards every time I logged into credit karma to check my credit score they would have a bunch of different pre approvals and refinancing capabilities I attempted to look into and applied for credit cards and loans. I am very upset at this false marketing that has been bestowed upon me.Years of having a account with credit karma thinking this company was helping me to move further in life.
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of American closed my business account with no warning and stole all my World Points dollars. I had done nothing wrong and this is not fair. If they will not reinstate the account, I would like the account reinstated if possible, and to at least have B of A cut me a check for the World Points they stole.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I have disputed the collection of XXXX CREDIT ... once investigation was completed the account was deleted XX/XX/XXXX ... ..but account is still reporting on my credit because THEY HAVE REINSERTED IT I am attaching the confirmation letter ... FCRA states I would have to b notified by credit reporting agency before reinstating an acct THEY DID NOT DO THAT AND ARE IN VIOLATION OF THE LAW
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I have had multiple overdraft fees and returned payment fees due to my account being low. Im currently out of work and have cancelled a payment but for some reason Bank of America is trying to pay the bill anyways though it has already been run and returned for which I paid a fee for each occasion. At this point I have paid and/or owe around XXXX $ in overdraft fees associated with the account. Payment dates are being changed on my account to reflect in favor of the bank where I can be charged overdraft fees. It will show a payment going through on the 2nd of the month then change to the XXXX to make my balance negative. I have tried calling and was told they are unable to refund these charges despite me being out of work, etc. I have another complaint ongoing and have tried to contact them to no avail.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I used a credit repair company ( XXXX XXXX XXXX ) who promised to get me into a home. I am filing a separate complaint against them, but this one is about the credit bureaus and them not removing the disputes that XXXX XXXX XXXX filed on my behalf. I have called and sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all three bureaus. They have not removed the disputes as I have requested.
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Many years ago my husband and I purchased our dream home. It was only 8 years old at the time and we put down our entire life savings, 30 % for this XXXX home. This was in XXXX, the height of the Real Estate Boom. Life was great for us, we were self employed and our business was very lucrative, shortly after XXXX when the market crashed- so did our business. We went from making thousands of dollars a month to barely making enough money to buy groceries. My family and I are true fighters, we continued to work to re-build our business income but many of our monthly obligations were left unpaid, including our mortgage. Eventualy we bounced back and have been in the position to make a mortgage payment for years now, we just dont have enough money to bring it current. This is when our problems began, we have applied for help over the years and have been moved around from servicer to servicer, we are now with SPS. Several applications for retention options have been sent to SPS, working with them has not been easy! We have been denied for a modification several times, every reason under the sun- they tend to vary with each review. Their reasons are just vague excuses, not one can justify the fact that theyd rather we lose our home- thats a hard pill to swallow considering we put almost XXXX down! We expected to grow old together in this home. Sometime in XXXX we had a plumbing backup in one of our 2nd level bathrooms- this caused sewage and water to flood the entire 1st and 2nd floors. This flood damaged : floors, walls, ceilings, stairs, the bathroom ( it is still gutted to the stubds ) and the kitchen cabinets had to be removed- they were warped and molded. Our 2nd story balcony eventually collapsed from all the water intrusion. Insurance okayed almost XXXX to repair all of this, but SPS took the insurance money and has been holding in a suspense account for years. SPS has forced us to live in deplorable conditions for years, we can not afford to live in motels anymore- we did this for an entire year! SPS is holding on to this money because we are behind on our mortgage payments. Not only have they refused to approve us for a modification but now that same reason is preventing us from repairing our home?! We had no choice but to file a lawsuit against them, we are being backed up against a wall here. While in litigation, they still refuse to approve us for a modification, refuse to release the money to the contractor to repair the home and are now refusing to even allow a short sale review. They want us to ok to have the insurance money applied to our arrears, that is very shady- then what?! How will we fix the home?!! We 've had enough at this point, and I can not believe that they are refusing to let us short sale. What kind of sense does this make? They are forcing foreclosure on us!!! We are good people, we work hard and want to buy a home again in the near future. SPS can care less, foreclosing on our loan will make it impossible for us to purchase again.
Consumer complaint received 2017-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

XXXX XXXX will not verify or remove this listing from my XXXX XXXX credit report. I have asked that they fully validate/ verify this debt in it 's entirety. Including my signature and promise to pay as well as other identifying information that will verify that this line item should be listed on my credit report. This collection agency has not provided this information. I am requesting documentation that states I promised to pay. A contract with my signature that shows this account belongs to me. I have yet to receive this information after numerous attempts as well they continue to verify this information as accurate with XXXX XXXX although they have yet to provide me with the requested documentation.
Consumer complaint received 2021-09-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (PA)

I have disputed this account with Enhanced Recovery Company to no avail. I paid this account a long time ago, when I did the agent I spoke to told me they would remove the account for payment. The account has continued to report to my credit, and my disputes have been ignored. I have never received anything in the mail from ERC. My rights as a consumer have been violated, please help!
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MS)

Citi Mortgage ac # XXXX XX/XX/XXXX- I ( XXXX ) contacted Citi Mortgage seeking financial hardship assistance because of my job loss in XX/XX/XXXX. I was told XXXX and I could n't refinance even though we had XXXX in equity of this home. Then Citi Mortgage told us the only way we could get a loan modification was to fall behind XXXX months to even be considered. Therefore, we fail behind and applied for a loan modification multiple times between XX/XX/XXXX - XX/XX/XXXX with Citi Mortgage to never get approved. All required documents were Faxed and certified Mailed multiple times and I was continually told- that documents were missing. Citi Mortgage continued to add on late fees and service fees, escrow shortage and they increased our monthly payment causing more financial distress. XXXX and I continued to catch our Mortgage payments up during this XXXX year span draining our XXXX accounts, savings and any income we could fine to save our home. Citi Mortgage sold our mortgage to XXXX in XXXX XXXX. And at this time send us a letter stating that our Mortgage XXXX is complete and all of our documents will be forwarded to XXXX. That nothing else is needed to begin process. XXXX said they never received any documents concerning a Modification and we would need to start over.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.