davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BMO Bank, N.A. (GA)

The loan is for a remodeled kitchen. The loan was entered into on XXXX, with first payment due XX/XX/21. The amount was $ XXXX with 7.6 % interest. 

It was communicated to us that the loan can cover any physical goods ( i.e. Kitchen Cabinets, appliances, etc ), and the work or the labor for the remodel. 

Cabinets were ordered immediately. They were approximately $ XXXX The cabinets first arrived in late XXXX, but a few were damaged. The replacement ones came in early XXXX. 

The first day of labor was early XXXX. 

During this time I have been charged interest on the $ XXXX. Even though from XXXX to early XXXX, no labor was performed. I expected to be charged interest on the $ XXXX for the cabinets but not the $ XXXX as no work had started. 

As we went through XXXX and as recently as yesterday, work is promised then cancelled ( usually without any courtesy cancellation call/text/email ). 

Delay after delay. No urgency. All the while I'm charged appx {$300.00} a month in interest, or {$2100.00} through XXXX. I feel I should only have been charged $ XXXX 7.6 % /12*6 = {$570.00} for the purchase of the cabinets. 

Thank you, XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

In XXXX XXXX, I found that there was a tax lien on my credit from the state of Illinois for {$96000.00}. 



I had never owed any debts to Illinois, so I contacted the state to see if the lien was related to identity theft. After a series of unhelpful conversations with state employees, someone in the revenue department finally informed me that I owed Illinois income taxes from XXXX in the amount of {$960.00}. The figure on my credit report, {$90000.00}, is apparently an error by the reporting agency. 

I moved out of Illinois in XXXX, and have never received any notice of any kind from the state of Illinois, including any notice of past tax debt or liens. Because I was on IL unemployment for all of XXXX and Illinois had automatically withheld my taxes from those payments automatically, I knew the claimed back tax debt to be in error. 

Illinois XXXX XXXX XXXX employee XXXX XXXX emailed me in response to my inquiries, and told me I 'd have to submit proof of withholding to have the debt cleared. I dug up old tax returns and IL unemployment documents to show that I had never owed the tax, and sent them to XXXX XXXX. 

On XXXX XXXX, XXXX, XXXX XXXX told me via email that all collection activity would cease and the lien would be removed once the cleared debt was processed by his department. I checked multiple times to be clear that no payment was required and that I had no outstanding debt to the state of Illinois. 

This week, I was checking my credit in response to the recent Equifax data loss, and found that the IL tax lien is still listed on my credit report as a balance due. I contacted XXXX XXXX in reference to our previous conversations, and he told me I 'd need to take it up with the IL XXXX XXXX. 

I reached the IL XXXX XXXX at the number XXXX XXXX provided, and was re-directed to another office called the " IL XXXX XXXX XXXX. '' A rep at that unit told me he saw the notes, correspondence, and documents in my file from XXXX XXXX, but that the matter had still not been processed or the lien removed. Worse, I w as told that once the matter was resolved, it would still show on my credit as a tax lien that had been paid off, rather than being removed completely. 

I am now attempting to apply for a mortgage to buy a home, and can not get one due to the adverse impact on my credit from this erroneous lien.
Consumer complaint received 2018-03-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

No one seems to be able to answer questions about the payments being garnished from my paycheck! The original garnishment order lists XXXX XXXX which was the collection company for XXXX XXXX. When I call XXXX XXXX XXXXhey tell me that they no longer handle student loans and that I should contact XXXX XXXX. Contacting XXXX XXXX brings me to XXXX XXXX website with a message stating my account was moved from XXXX XXXX to XXXX XXXX. I log into XXXX XXXX and my account has a message that I should contact Navient. I contact Navient and they state that they can only assist me if I am calling to make payment in full. Otherwise I should call XXXX XXXX XXXX. Well here we are, stuck at approximately 17 hours of total holding time over a 5 day period trying to get someone on the phone at XXXX. 
I checked with my payroll department and wanted to inform them that they are sending money from my garnishment to a company who no longer handles my account. They stated that they can't change anything on the garnishment without an order ( understandably so ). XXXX   XXXX stated that they can't send anything regarding the garnishment even though they are the ones listed on the garnishment. I checked with Department of Education who transferred me to the XXXX who in turn transferred me to Navient. I just want to know that my money is going to the correct company! Also, the amount listed does not reflect a credit for the canceled amount of {$2000.00}. Any information would be appreciated! Thank you!
Consumer complaint received 2018-01-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I have a Line of Credit with Navy Federal Credit Union. Recently Navy Federal turned my account over to a Law Firm/ collection agency for none payment. I have several receipts showing consistently on Time payments. I contacted Navy Federal several times and they stated my account are still with them. I 'm receiving mail and phone calls from a law firm trying to collect money on the behalf of Navy Federal.
Consumer complaint received 2018-12-02
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. (VA)

My husband and I leased a XXXX through XXXX XXXX ( XXXX ) in XX/XX/XXXX for 3 years. All lease payments were made in full and on time ( see Lease payment History attached ). At the end of the lease XXXX   sent us a letter to purchase the XXXX for {$18000.00} dated XX/XX/XXXX that was good through XXXX ( see purchase quote attached ). OnXX/XX/XXXX we purchased the XXXX through XXXX XXXX XXXX who sent XXXX a check for {$18.00}, XXXX as payment in full ( see letter from XXXX attached ). XXXX   received the check from XXXX at XXXX XXXX on XX/XX/XXXX ( see XXXX tracking record attached ). On XX/XX/XXXX XXXX   sent XXXX a signed Bill of Sale ( see copy of Bill of Sale attached ). Also on XX/XX/XXXX XXXX sent XXXX the Certificate of Title for the XXXX with a signed release of lien by XXXX ( see Certificate of Title attached ). Despite receiving payment in full and releasing its lien on the vehicle, in XX/XX/XXXX XXXX   fraudulently had our vehicle removed as a " repossession ''. After several conference calls with XXXX, XXXX, and us we were finally able to get our vehicle back that was wrongfully taken because XXXX had no legal right to possess or repossess our vehicle. But, even after we got our vehicle back onXX/XX/XXXX XXXX sent us a fraudulent Notice of Lease Termination and Early Termination Liability letter seeking payment of {$19.00}, XXXX ( see letter attached ). In addition, XXXX placed false and damaging messages on our credit reports which caused our credit scores to decline by 19 points.
Consumer complaint received 2018-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-03-26
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MI)

Navient has repeatedly called me asking for payments. I understand I have to pay back my student loans. However everytime they call I explain this to them and they tell me i can qualify for {$0.00} for the year. When I fill out the forms it says my wife has to sign and when she logs into her FSA account there are no forms for her to sign. They use threatening language when speaking to me. Threatening me by saying my credit will be harmed by my lack of action, they tell me that my wages will be garnished. The things I have experienced with Navient are very unprofessional.
Consumer complaint received 2019-03-05
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. (SC)

I disputed a collection on my reports from XXXX XXXX in the amount of XXXX. The company XXXX XXXX/XXXX XXXX XXXX sent back several documents that prove they can not provide me with actual ownership of the debt. 

I contacted XXXX XXXX and informed them that they breached their contract by sending this debt to a collection agency when I have rights to arbitration. The arbitration clause has been violated. I was informed to ask XXXX XXXX to provide a bill of sale or ownership sale of this account from XXXX XXXX to XXXX XXXX. I have not received that. What I received was a Promissory note from XXXX XXXX, where the arbitration clause is apparent and clear. Also I was provided an account Summary report created by XXXX XXXX XXXX. XXXX XXXX XXXX has NO legal right or authority to collect on this debt due to the arbitration clause of this contract. XXXX XXXX is in a direct violation of the FDCRA. This collection is still reporting on my credit reports. 
Also I have become aware of numerous class action lawsuits for this very same thing. 
I want this collection removed from my reports immediately. Please see the documents attached.
Consumer complaint received 2018-03-26
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)

On XX/XX/XXXX, a hard inquiry showed up on my XXXX and Transunion credit reports for a line of credit I did not open at XXXX XXXX XXXX. I then ran my credit reports for all three agencies, only to discover 2 of the 3 showed what looked like someone's profile on my report. I discovered incorrect variations of my name, incorrect home addresses and places of employment, and about 16 accounts that did not belong to me. Naturally I freaked out. The odd thing was a lot of the incorrect accounts were from 2-8 years ago and these had never ever shown up on my credit reports before XX/XX/XXXX. I check my reports often so I would have seen these. 

So the first thing I addresses was the recent inquiry. On XX/XX/XXXX at XXXX PST I called the XXXX XXXX bank that made the hard inquiry on my credit report and they were unable to pull up an account with my name and social security number. None of the info I gave them pulled up an account ... which further made me believe there was a problem with the credit bureaus and not a case of identity thief. 

So, on XX/XX/XXXX at XXXX PST, I called XXXX and they looked into my credit report and the customer service rep noticed that my profile was actually merged with another person with a very similar spelled name ( mine is XXXX and the incorrect one was XXXX ) and social security as mine. They started the process of un-merging my account with this other person. Somehow bc another person has a similar spelled name and social, our records were being merged in their system. Thankfully the customer service rep took the time to go line item by line item to separate the records. Sadly I now have to do this same thing with Transunion because these same errors were on that credit report too. I didn't see anything incorrect on XXXX  yet but I'll keep monitoring it.
Consumer complaint received 2018-12-02
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. (VA)

My husband and I leased a XXXX through XXXX XXXX ( XXXX ) in XX/XX/XXXX for 3 years. All lease payments were made in full and on time ( see Lease payment History attached ). At the end of the lease XXXX   sent us a letter to purchase the XXXX for {$18000.00} dated XX/XX/XXXX that was good through XX/XX/XXXX ( see purchase quote attached ). OnXX/XX/XXXX we purchased the XXXX through XXXX XXXX XXXX who sent XXXX a check for {$18.00}, XXXX as payment in full ( see letter from XXXX attached ). XXXX   received the check from XXXX at XXXX XXXX on XX/XX/XXXX ( see XXXX tracking record attached ). On XX/XX/XXXX XXXX   sent XXXX a signed Bill of Sale ( see copy of Bill of Sale attached ). Also on XX/XX/XXXX XXXX sent XXXX the Certificate of Title for the XXXX with a signed release of lien by XXXX ( see Certificate of Title attached ). Despite receiving payment in full and releasing its lien on the vehicle, in XX/XX/XXXX XXXX   fraudulently had our vehicle removed as a " repossession ''. After several conference calls with XXXX, XXXX, and us we were finally able to get our vehicle back that was wrongfully taken because XXXX had no legal right to possess or repossess our vehicle. But, even after we got our vehicle back onXX/XX/XXXX XXXX sent us a fraudulent Notice of Lease Termination and Early Termination Liability letter seeking payment of {$19.00}, XXXX ( see letter attached ). In addition, XXXX placed false and damaging messages on our credit reports which caused our credit scores to decline by 19 points.
Consumer complaint received 2017-04-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pendrick Capital Partners Holding, LLC (TX)

They report something it does not belong to me at the time   XXXX   I did not have a social security number .How they can charge me for something it is not my debt.   I need this collection to be removed from my account it is affec ting my credit score
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ULRS, Inc. (CA)

I received several calls to my cell phone and home phone as wells calls to my parents and brothers trying to collect a debt for a company named  XXXX   XXXX  that I do not know. I explained to her that I do not know this company nor I am aware of any commercial transaction between that company and her client. But she did not accepted my explanation and keep harassing me and my family threatening me verbally and unjustly for a claim that I have no idea about it
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (GA)

I Have tried to work with vanderbilt mortgage but this company is nothing but a bunch if loan sharks, the house is my father 's who is recently deceased. I contacted them to talk about the amount owed and they were absolutely rude and went straight to the money, and said the house would be in default if I didn't cough up over 2000! They are only in the buisness to XXXX people and they need to be stopped, and the worst part Is that even when you make your payments you never know what the nex months payment is. My dad 's payments jumped from {$530.00} one month to over {$1200.00} the next! If you are planning on purchasing a home avoid vanderbilt mortgage!
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/17, I used my Santander debit card at the XXXX XXXX for {$100.00} to purchase a shower head and received the following text, Free text : Santander Fraud. Did you use your card ending XXXX for {$100.00} at XXXX XXXX XXXX XXXX on XX/XX/2017? If YES, reply 1, NO reply 2. 

I replied 1 and then receive the follow up text, Free text : Thank you, we received your response. The transaction was declined. If you want to make the purchase, have the merchant reprocess the transaction. 

I returned to the merchant, showed them the text and the merchant re-processsed the transaction. When I received my monthly statement, {$100.00} was charged twice. 

I spoke to the vendor and explained the situation and she said she would not contest the claim if Santander re-issued the chargeback but Santander sent a a letter to me stating the claim was denied.
Consumer complaint received 2017-04-22
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have dispute d my Capital One ac count many times and as of today 's date they are still reporting beyond the 7 years from the first date of delinquency. I called and the said they will continue to report this item for 10 years. I contacted the credit bureaus and said it 7years. I have requested payment history but they have not been able to produce it. This account was opened in  XXXX  and has had missed payments starting in  XXXX   XXXX . I was able to obtain this information from their collections team. I am requesting this account be deleted from from Experian credit file per FCRA rules. Per   XXXX    website Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old.
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NH)

My wife has been very ill after getting the covid vaccine. We fell behind in mortgage and trying to catch up. We filed for help in loan modification back in XXXX we are still waiting to get any kind of help. Or clear response on what kind of modification we can have.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (IL)

I am submitting this CFPB Complaint in response to the recent investigation regarding my credit report. I would like to express my disagreement with the findings and emphasize the importance of ensuring complete accuracy in credit reporting. It is my concern that the investigation did not thoroughly address the matter of contacting the creditors and agencies responsible for the information on my report. As a result, I am reaching out to the Credit Bureaus for further clarification on the following items in question, specifically regarding the accountBANK OF XXXX XXXX Balance : {$0.00} I need the Credit Bureaus to address the presence of charge-off account on my credit file that is still being reported despite having a XXXX balance. This account have been fully paid off, and I am formally requesting the Credit Bureaus ' investigation into this matter. The continued charge-off status is adversely affecting my credit score, and its removal would be greatly appreciated. I would like to draw attention to the fact that the company agreed to remove the account in question once it was paid off. I kindly request that the Credit Bureaus honor this agreement and take the necessary steps to remove the account from my credit report.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT. 

DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. 

I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX