davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Selene Holdings LLC (KS)

In XXXX, we received notification from XXXX XXXX that our loan was being transferred to Selene XXXX and that the transfer would occur on XXXX. At the time we received the notice, we were completing a COVID relief loan modification with XXXX XXXX. The trial payments and modified agreement were successfully completed with XXXX XXXX ( see attached ). Once the loan was transferred and setup with Selene, I was able to make contact with them to discuss if the modified agreement had been transfered. They indicated they had not received it and instructed me to send the documentation of the successful trial payments and modified agreement to XXXXselenefinanceXXXX  which I did on XX/XX/XXXX. They were unable/unwilling to provide me with a direct contact and required an email to be sent. I received no acknowledgement indicating receipt of that correspondence. I will attach a copy of that correspondence as well to this complaint. Through a series of phone calls to Selene, I was able to continue making payments that were consistent with the amounts under the modified agreement with XXXX XXXX in order to avoid any further risks to our mortgage with Selene. I was advised that the matter would be resolved by XX/XX/XXXX. After contact Selene shortly after that date, I was advised that the review was still pending and that no final decision had been made on the mortgage with Selene. At that time and as of now, the loan is showing to be in collections and I am receiving correspondence indicating that the account is in collections and likely at risk of foreclosure. When I contacted Selene this week and spoke with a representative by the name of XXXX, I was advised that the modification from XXXX XXXX was not accepted and the account status remained in collections- again, despite having been modified with the previous lender, I was instructed again to contact the email above regarding concerns to which I did. I was also advised that a supervisor would be contacting me within XXXX business days. I have also not received that call as of this message. The obvious concern here is that they could pursue foreclosure on the basis of the terms they are showing, which are not consistent with the terms of the loan they received. To make matters worse, I have a child who has XXXX XXXX and this matter is extremely stressful to our family and we can not afford much extra time or effort- i say this because your help is greatly appreciated and welcomed. Thank you kindly - XXXX and XXXX XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have submitted two separate disputes requesting that Equifax remove the illegal negative authorized user account with XXXXXXXX XXXX from my credit report as I am not the legal owner and it is illegal to be reporting this negative account on my credit. Two times now Equifax has sent me confirmations that the work has been completed and the account removed from my credit. My mortgage company issue a new credit report today and this account is STILL on my credit!!! 

Per the FCRA : As an Authorized User, I am not legally liable for this debt as per section 603 of the FCRA. This debt should have been removed from my credit profile when it first went delinquent in 2022. Please have this updated ASAP and send me written confirmation of such.
Consumer complaint received 2017-07-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (GA)

Company has placed a collection on my credit report and it has damaged my credit. I do n't know the company nor do I have a signed contract with me. I have asked them to removed this inaccurate information and continue to ignore their wrong. I 've filed a complaint with the BBB and have n't gotten anywhere. I 've never did business with this company and would like for this information to be removed for my credit. Thanks
Consumer complaint received 2017-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Trust Management LLC (AL)

On XXXX XXXX I received a phone call from Global trust management who stated they were collecting for XXXX. I have never had an account with XXXX however they knew all of my personal information. I have never authorized any type of online loan in my name. Someone has used my identity online to setup an account. I have not seen anything placed or removed from my checking account from either company so i know this information is false. When Global Trust called me they was hateful and told me that they would be suing me since I didnt have knowledge of the loan.
Consumer complaint received 2017-10-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This company is calling me regarding a debt from XXXX for The XXXX. They repeatedly are calling me constantly even though I told them I am out of work and can not make any payment at this time. This is a series of multiple calls I am getting on both phone numbers of XXXX and XXXX and I am getting robo-calls constantly all day long when I am trying to look for a job. The calling usually starts at XXXX in the afternoon and I think this is a tactic of harassment towards me by someone that is purposely bothering me. It is apparent they have gotten into my credit file and the calls started when I was laid off. The robo-calls are constant and not from the same company and I put a alert on my credit file as well.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

Equifax continues to report inquiries that are not mine. These inquiries are causing me damages and to be denied credit. I have not given any of these companies my personal details for them to access my private consumer file and Equifax allowing this behavior is a violation of my rights. Remove any names other than XXXX XXXX XXXX spelled exactly as stated my only legal mailing address is po box XXXX XXXX XXXX MI XXXX there should be no other addresses if so delete them immediately and remove and security freeze and or blocks on my profile immediately. Dont ask for my identification because it is attached to this complaint so take note of it so you will not be sued.
Consumer complaint received 2022-09-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunbit, Inc. (CA)

XXXXSunbit reported late payments on my credit report for XXXX months and I been emailing and calling the company since XXXX XXXX informing them of the service that was paid for was not done at all. Also the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and mechanic XXXX XXXX over charged on parts and labor as well double charge the lease agreement for serpentine belts and labor as well mounts brackets and bolts. I have submitted a settlement agreement to XXXX XXXX XXXX to cover repairs and damages done. XXXX/Sunbit representative told me that I wasnt gon na be able to rescind my contract and get full refund of all amount paid out to both XXXX XXXX XXXX and XXXXSunbit Bank. Now Im competent and evoking my Consumer Rights of Rescission, XXXXSunbit Bank XXXX XXXX XXXX XXXX XXXX disclosed nor deliver to me the XXXX separate Notice of Rescission conspicuously. Also XXXX/Sunbit Bank never disclosed that I had a option to opt out of having my private consumer transaction furnace to XXXX XXXX XXXX XXXX XXXX institutions.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I called Chase on XXXX got a business checking account with them which was linked to my personal account with another institution.They have rejected my transfer multiple times.Chase claims that they could not verify my account ownership with the other instruction/XXXX  XXXX..I tried to transfer XXXX from my XXXX XXXX to Chase two times but Chase just keeps XXXX it meanwhile the two accounts have been linked.They claimed that XXXX XXXX doesnt want to provide any info about my account with them such as account ownership before they could initiate the transfer.They claimed that they had to call XXXX XXXX before they can do anything but XXXX XXXX doesnt work with them.
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I received a notification from my credit monitoring service advising me that a new collection from commonwealth financial systems inc was on my reports. After reviewing my reports, I sent correspondence to Commonwealth Financial Systems Inc requesting validation of this debt since I dont have any outstanding medical bills that I know of. I requested the name of the alleged provider I owe as well as a detailed breakdown of the alleged charges. I also requested a copy of the signed medical release that shows I released my medical information to Commonwealth Financial Systems Inc on this alleged debt. Today I received a response from Commonwealth Financial Systems Inc dated XX/XX/2018 stating that their company is fully compliant with HIPAA requirements concerning privacy of medical records. There is no validation of the alleged debt. The name that the letter is addressed to is incorrect. I believe this company is attempting to take advantage of me and collect funds from me on a debt that is not mine.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

THE XXXX XXXX ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED. 
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM XXXX  AND EQUIFAX. BECAUSE THEY ARE NOT COOPERATING. 
THANK YOU
Consumer complaint received 2020-10-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (NM)

This is what I put on the XXXX  complaint I do not have a signed contract nor any contract with National Credit Adjusters LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX and XXXX. I am not responsible for this debt with National Credit Adjusters. Accounts have been re-aged illegally. 


Additionally, XXXX  has removed their collection on my reports.
Consumer complaint received 2021-10-04
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: Experian Information Solutions Inc. (IN)

I have been trying to get my score up XXXX, XXXX XXXX, XXXX and XXXX XXXX was XXXX and XXXX and i checked every single day no score changed for months and in one day drops 890 points in a single day and theres nothing to cause such a drop and my name is XXXX XXXX XXXX theres a name listed XXXX XXXX XXXX and XXXX XXXX address Ive never lived there
Consumer complaint received 2024-03-15
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 HOLDINGS USA, INC. (CA)

In XX/XX/XXXX, as the co-signer for a vehicle loan through Chrysler Capital, I made a final overpayment during the sale of the vehicle, a XXXX. This overpayment resulted in unclaimed property owed to me, a fact I was unaware of until XX/XX/XXXX when I was informed by a law firm. 

XX/XX/XXXX : Contacted Chrysler Capital upon learning of the unclaimed property. A representative directed me to email XXXXsantanderconsumerusaXXXX with identification documentation, stating a resolution timeline of XXXX weeks. 

XX/XX/XXXX : After no further contact, I reached out again and was informed by another representative that the original process advised was incorrect. I was told that my information would be updated and submitted to Accounts Payable for verification on whether the check had been cashed, with a suggestion to follow up on XX/XX/XXXX. 

XX/XX/XXXX : Upon following up, I was told to wait an additional XXXX hours for an update. No substantial information was provided, nor were there any updates from Accounts XXXX or regarding the change in my home address. 

Later on XX/XX/XXXX : After being transferred to a manager, XXXX ( Manager ID : XXXX ), I was informed that all previous advice was incorrect and was instructed to fax my identification to XXXX, reverting to the original advice of a XXXX week processing time. 

Same day : Due to the inconsistencies experienced with Chrysler Capital, I contacted Santander Consumer USA directly. A representative XXXX XXXX, ID : XXXX ) informed me of a different process specific to California, advising me to email cXXXXsantanderconsumerusaXXXX and fax XXXX, which I promptly did. 

Throughout this process, I have encountered conflicting instructions, lack of follow-through, and a significant delay in resolving the claim of unclaimed property owed to me. This experience has been frustrating and time-consuming, with no clear path to resolution provided by Chrysler Capital or Santander Consumer USA .
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when I was not receiving statements because I thought that loans were in deferment
Consumer complaint received 2017-10-06
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. (MA)

Hi - I got a hard inquiry on my TransUnion credit report dated : XXXX XXXX, XXXX. This inquiry is in error. The inquiry looks like it is from XXXX XXXX. After researching a bit, I found out that this is a commonly occurring entry on people 's credit scores without them requesting it. My XXXX XXXX took a hit by XXXX points because of this. I tried calling TransUnion but I only got to a customer service representative once and did not receive any help. I would really appreciate any help I can get in this matter. 

Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Navient Solutions, LLC. (PA)

I fell behind on my Navient school loans and have made several calls/attempts to try to get on an affordable repayment plan. I have been told based on my family size and income that i can afford ( x ) dollars and it just is n't feasible. I have asked on several different occasions to work in another type of repayment plan and have been told that due to my income and family size this is what a piece of paper that the person on the other end is looking at is what i am able to afford. That is not the case at all. I would like some guidance as they have been submitting to the credit bureau my shortcoming of payments and its is personally affecting my credit score and opportunities for future purchases.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I SUBMITTED MY DISPUTE BACK IN XXXX OF XX/XX/XXXX AND IT IS NOW XXXX AND EQUIFAX HAS NOT UPDATED MY REQUEST. THIS IS A PROBLEM BECAUSE I HAVE BEEN WAITING FOR 3 MONTHS FOR MY RESULTS.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when I was not receiving statements because I thought that loans were in deferment
Consumer complaint received 2017-10-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (KS)

I got an email this week stating that the company was gon na take XXXX out for a payment this week. Well they took double payment out because I am behind but I 'm still paying on it he best I can. Well they did n't notified me about taking double payment out this week.. they just went ahead and did it ... which when I called them they said I can bring up ur contract and the lady was snotty and hateful too.. They should at least let me know that they were going to take it out twice not just do it..
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank opened a fraudulent Bass Pro Shops account under my name. they told me that the account & hard inquiry would be removed from all 3 credit bureaus but it's still showing on my reports. I need XXXX to communicate this with the credit reporting agencies as it is a clear violation of the FDCPA. I have proof via police report that I was a victim of identity theft
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: V and H Portfolio (AZ)

VAnce and Huffman opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. You cant place something on my file before you allow me 30 days to dispute! This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with VAnce and Huffman. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

This bill is from XXXXXXXX XXXX  XXXX for my XXXX shoot in Pa in XXXX XXXX. 
I have provided my insurance information when I was at XXXX. I have received a letter about payment from XXXXXXXX XXXX XXXX and called them and provide my insurance inforamtion again. 

I also have called my insurance company and was told that they never received any claim from them. 

Now XXXX has forward to collection company to collect the debt which I didn't owe any bills. 

I called multiple times to collection company called " Transworld Systems Inc. '' but no answer at all, and I have left a message but not received a call from them all at. 

I called, XX/XX/XXXX, XXXX XXXX XXXX  and provided my insurance information again.