davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ashfield Management Services Inc, (PA)

I have a debt from the XXXX XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX Hospital in XXXX, Pa. This debt was transferred to XXXX and I have been making monthly payments. Several years in XXXX stopped sending me statements about my debt. I would call statements would resume, for a year then stop. The only way I receive a statement is by not making a monthly payment, which XXXX then attempts to void my monthly payment plan. I filed a complaint with the BBB and was advised I would receive statements, which I have not. I filed a complaint with you, complaint XXXX, that XXXX states was not with them which was concerning because they are cashing my checks. On XXXX XXXX I received correspondence due to not making a payment in an attempt to know the balance and the letter states from XXXX. I never received any notification that my debt was being transferred or that XXXX is now XXXX. I am asking to receive statements in an effort to know what is owed, who I am paying, that my payments are being applied.
Consumer complaint received 2018-01-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a notice to Trans Union on XX/XX/XXXX which they received on XX/XX/XXXX ( USPS Tracking # XXXX XXXX XXXX XXXX XXXX ). In the notice I requested that specific info in my file be verified & deleted. I also requested a notice ( according to FCRA 611 6 ( B ) iii that provides me with " A description of the procedure used to determine the accuracy and completeness of the information '' including the business name and address of any furnisher of information contacted in connection with such information. However what I received ( which was dated XX/XX/XXXX but not actually received until XX/XX/XXXX ) was a bunch of papers placed in an envelope numbered but unorganized ( pages out of order ) duplicate copies of letters & memos. It took me 2 days to organize it to the best of my ability. However none of what I requested was amongst all of the pages. It said : " Information Updated '' on 1 account on another it said " disputed information updated and other information updated '' ( however the last 'date ' it was updated according to the report that was thrown in the envelope was 3yrs ago ) also there was a message that said. " verified as accurate and updated ''.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

Credit Collection Services has 3 negative accounts listed on my credit report that is not mine. The debt collector agreed to delete the debt from my credit report because the information is inaccurate and the address on file is not mine. However, the debt is still on my credit report.
Consumer complaint received 2021-06-29
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX Original creditor : XXXX  XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

In XXXX, I took my car into the XXXX XXXX XXXX XXXX because the car would slow down and jerk while I was driving on the highway. The guy told me it sounded like the transmission and that it was still covered under warranty. The mechanic said they could not find any problems. I took the car to the XXXX XXXX Dealership which is closer to my home because the problem continued. They too could not find a problem. Every time I took the car in for an oil change, I mentioned the slowing down and jerking problem and every time, they told me they could not find any problems. In XX/XX/XXXX I received a notice in the mail Nissan was extending the CVT warranty to 7 years or XXXX miles. I called to explain the problem was still happening, but my car was over 90,000 miles. I complained about that problem over two years ago when it was under warranty and requested Nissan to fix the problem. I was advised to take the car in for a diagnostic and ask Nissan Corporation to make an exception because my concerns were in the notes from XXXX. I had to rent a car while the diagnostic and repairs were completed. The first guy from Nissan Consumer Affairs was extremely nice and said he would let me know a decision once the car 's diagnostic was completed. I called five times and after nobody returned my call, I extended my car rental. Around XXXX that day, someone called me to say Nissan would not cover the repairs because I was over 84,000 miles. I stated to Consumer Affairs lady that it was very strange that all of a sudden once the warranty expired, now the problem is found and Nissan will not make an exception considering I have been stating the problem since XXXX. She seemed unmoved and unconcerned and said, Nissan would not cover the repairs. I had to use the warranty I purchased on my car to get the repairs. Had Nissan told me no from the beginning, I could have saved money paying for a rental and wasting my time.
Consumer complaint received 2018-01-16
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: Experian Information Solutions Inc. (OH)

The below inquires do not belong to me and I did n't ask for credit, I want these removed from my credit report. 





XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Wr XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + XXXX. 




XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + Bank XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-27
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)

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
Consumer complaint received 2018-01-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION (AL)

RE : Discharged home equity line of credit with BBVA Compass Bank We have an account with BBVA Compass Bank that we have been trying to get some information on. Back in XXXX my ex wife and I filed Chapter XXXX Bankruptcy. The bank chose to NOT reaffirm the loan. Since XXXX we have been attempting to make payments not realizing the loan was n't reaffirmed. We have made multiple calls to BBVA Compass customer service and corporate BUT we CAN NOT get anyone to give us any information regarding the status of our account. Because of the status of that loan, we have to speak directly with someone in the banks bankruptcy department. We have called that department multiples times and CAN NOT speak with a representative. It goes to a voicemail stating someone will call us back. As of today, no one has returned our phone calls. My ex-wife is attempting to refinance our current residence but we are STUCK because we ca n't get the information we need from the bank.
Consumer complaint received 2018-01-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK (MO)

I have contacted Discover Student Loans about my repayment options and have signed up for a three month extension on my loan repayments. I would make my first payment in XXXX. I have gotten multiple calls and emails attempting to collect a {$50.00} payment, which should not be due until XXXX. I get up to three calls a day. I have talked with the company multiple times and confirmed that I do not owe this {$50.00} as of now and that they will take me off the auto dial list. I am typically removed from the list for about a week and then begin getting calls again. Each time I am called I talk with the representative and ask them to check the notes and they confirm that I should not be getting phone calls.
Consumer complaint received 2017-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/XXXX, I received an email from XXXX XXXX XXXX indicating that the promotional period from a balance transfer ( {$1200.00} ) would end in 90 days (XX/XX/XXXX ). During the next payment cycle ( XX/XX/XXXX ), I made three payments ( {$110.00}, {$300.00}, {$400.00} ) in just over a week 's period. When I checked the status of my account to check on the progress of paying back the promotional amount. Only a small amount of my payment ( {$92.00} ) was applied to the promotional balance for the first two payments total of {$410.00}. When I noticed, very little change to my outstanding promotional balance, I called customer service at Bank of America ( today,XX/XX/XXXX ) to determine what the issue was about applying my additional payments to the promotional balance ending in early XX/XX/XXXX. I was told that because have a balance in addition to the promotional balance that I can not direct payment to the promotional balance and they will not pay the promotional balance ( except for a nominal minimum ) until my other balance is paid completely. They reiterated that the highest balances are paid first and since I have a promotional balance of 0 % that wo n't have payments applied other than the minimum payment amounts until my other balance is paid. They suggested that wait until after XX/XX/XXXX after my promotional period has expired. At this point, the promotional balance has a non-payoff penalty APR ( 19.99  % ) that is higher than my standard APR ( 9.99 % ). At that point, payments I make ( with the exception of a minimum balance to the lower APR ) will go towards what was my promotional amount. It will also cause me to incur any deferred interest, which I imagine will be added to the principal amount at the higher APR. What is even more frustrating than these predatory practices, that this credit card is labeled as socially responsible and ethical -- this is a working assets credit card. After I was told that I could not apply any of my additional payments, I cancelled the extra payment I made today ( {$400.00}, XX/XX/XXXX ) and had them return the additional payment I made on XX/XX/XXXX ( {$300.00} ). Very disappointed in XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My name is XXXX XXXX. It has come to my stention that although I have written several letters asking for validation of debt and audit trails, i am not getting any response because of the automated system thats in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm the three credit reporting agencies have done to me. 

DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX. Account number XXXX on XXXX XXXX XXXXXXXX XXXX account number XXXX on XXXXXXXX XXXX XXXX XXXX, account number XXXX on XXXX XXXX XXXXXXXX XXXX account number XXXX on XXXXXXXX XXXX XXXX XXXX account number XXXX on transunion XXXXXXXX XXXX hard inquires on transunion dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX billing code error : 15 USC 1666
Consumer complaint received 2022-01-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I received a 18 month Covid forbearance because I experienced hardship during the pandemic, the forbearance was from XX/XX/XXXX to XX/XX/XXXX. I called my mortgage company on XX/XX/XXXX to discuss payment options since the forbearance was ending and the representative advised I could apply for a VA Disaster Modification which did not require an application or documentation to be provided. I advised the agent I wanted to proceed with this option. I called the mortgage company in XXXX, XXXX, and XX/XX/XXXX and also called in XX/XX/XXXX. I told that my VA Disaster Modification was denied and that my loan was being transferred to a new servicer who would assist me with modifying the loan. Something didn't feel right about the call so I called back in a few days and a representative told me that I was provided incorrect information and that my mortgage was not being transferred to a new servicer but that the Disaster modification was indeed denied and the only option I had was to apply for a full modification. I explained to the representative that I have been told month over month that met all requirements for the VA Disaster modification and that I just needed to wait for the review and I would receive the modification documents in the mail that would explain my trial and repayment period. I said it was very frustrating to wait 3 months and now have to start over and have to complete a full modification application and provide bank statements, tax returns, and paystubs. I said I do not want to apply for a full modification and am just trying to resume payments but I understand there is a 18 month forbearance balance that needs to be added to the end of the loan or some other action. The representative then advised that I may be eligible for the VA partial claim that would create a separate Note for the 18 month forbearance balance but the representative did not know how to complete it. I asked to speak with my assigned loan workout specialist or to a supervisor and the representative told me that she can not transfer me and can only send them an email and ask them to return my call. 
I just need help to speak with the correct department/person to confirm what steps I need to take to resume making my mortgage payment. I do not want to apply for a loan modification and should not have to do that.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-09-09
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-01-16
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. (OH)

The below inquires do not belong to me and I did n't ask for credit, I want these removed from my credit report. 





XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 




XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX XXXX
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

Recorded message says to call XXXX and ask for XXXX XXXX so when we do so we ask for XXXX XXXX but whoever answered the phone says they can help us. We then state that the phone number you are calling is a new one to us and that we have no debt to anyone so please stop calling for which the standard response has been " We will remove you from our list ''. Problem is, they still keep calling.
Consumer complaint received 2018-03-27
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)

While applying for auto loan with credit union, we were informed of lower credit score than expected through Experian. With our request the credit union explored the Experian report and found error in report as Mortgage we paid on time entire 4 years since starting date only showed 1 month payment history on Experian report. 

We called Mortgage company and they confirmed at least 29 months of on time payment is what they have been reporting to Experian. 

Mortgage company asked to have Experian call them to confirm so issue could be fixed that day. 

Called Experian and was told our dispute required 30 days per federal law, after many requests for Experian to call mortgage company that day. 

Experian shows the loan originating 4 years ago and still open/current, but still only shows 1 month payment history. 

1 week later Experian sends an e mail stating the dispute is still in process, but no actions or even any update. 

All appears to be in attempt to have consumers contact Experian or log in to their services where the solicitations are impossible to avoid!
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (IN)

I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : DEPT OF ED/XXXX XXXXXXXX US DEPT OF EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED (CA)

I applied for a mortgage with two different lenders. I decided to go forward with the one who I felt was more ethical, honest and giving me the better deal. The first guy got upset ( he actually told me that it 's upsetting, because they did a lot of work, but even after he initially quoted me an insulting interest rate, I still gave him a chance ). At any rate, I felt like he was not being upfront & honest, so I cancelled the deal with him. I had, however, already paid for my appraisal ( I actually paid {$500.00}, but the cost of the appraisal was only {$450.00} ). 
I formally requested my appraisal in XML, which I had to threaten him with with filing a complaint with the CFPB & only then did he finally send it, but he has refused to send an appraisal transfer letter an XXXX Compliance Certificate and the XXXX Cert. It looks like classic slow-play from a scorned lender.