davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I sent a loan payoff payment that would have paid my capital one auto loan in full but capital one has not processed my payment yet. I have been charged additional interest and late fees. Additionally, due to the lien not being released from title, my new lien holder has also penalized me with fees.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (NC)

I was charged XXXX for and apartment I never moved into. I informed the leasing office prior to me moving in that I would not be moving in. I never had a lease agreement. They still charged me XXXX for unpaid rent but I never lived in the apartment. 

XXXX XXXX NC
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

Paypal is holding my money without reason and the other is because they said I can not confirm the identity but that does not make sense because they have my ID and banking details and when I try to give them another additional ID or billing statement it routes me to a blank page. 

One of my accounts XXXX I can not withdraw the money because they said I can not confirm the identity but that does not make sense because they have my ID and banking details and when I try to give them other additional ID or billing statement it routes me to a blank page. So how do you want me to give you those details if your platform does not allow me to give you the details. I've talked to different representatives before and they didn't help me at all. 

My other account, XXXX they put the money on hold. I am a XXXX and they are holding all my funds without any valid reason.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax failed to resolve an unauthorized credit inquire by XXXX. If Equifax is unable to obtain evidence from XXXX that I approved a " HARD '' inquire then the inquire must be removed, as i did not give XXXX any such authorization. XXXX is an internet and cable provider that had no business pulling my credit as i had no outstanding balance prior to their service disruption error. The only authorization was for them to review my payment history and see if i had any outstanding balances ... That was it!
Consumer complaint received 2017-10-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

I have been disputing several items on my report numerous times. Every time they come back they tell me that the information is accurate but they show me no proof. The tax liens on my report they will not remove and the other charges when I have told them that it is not accurate.
Consumer complaint received 2021-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP (MI)

Congress Collection XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. Had Knowingly and intentionally posted false negative information on my credit report, that FALSE information had impacted my credit score claiming that I owe the amount {$320.00} to a company named XXXX  XXXX XXXX XXXX, which I had never had any business with or ever contacted in my life. I called Congress Collection, spoke to XXXX 's account manager, who and requested this issue to be resolved. Congress Collection has Just been taking me in circles to force me to pay for something I do not even owe. When I asked XXXX for details, her answer was always, I don't know, that's all I have. Account Name : CONGRESS COLLECTION Account XXXX Account TypeXXXX XXXXl Date XXXX Status XXXX account. {$320.00} PAST due as of XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. This is violating my XXXX rights, and under XXXX I'm entitled to every single document prior to posting any negative item to my credit report, notwithstanding the fact that due to the COVID-19 epidemic, creditors are required to be more careful about verifying information prior to reporting delinquent incidents to credit bureaus. Congress Collection assuming that all they have to do is mail you a statement and you will pay immediately, no need to know who you owe what and why which is a clear violation of consumer rights to receive enough explanation about the charges. This was clearly an error from the XXXX XXXXXXXX XXXX XXXX, who solicited my information from XXXX XXXX XXXX.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Not Legal Validation & Re-ageing Debt I wrote XXXX regarding Portfolio ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. XXXX is refusing to remove an account that the original which is Portfolio RC refusing to Validate. XXXX is in violation continuing to report. 

Also the debt was Re-Aged by XXXX by XXXX which is a violation according to the FRCA. Debt should be reporting accurately with factual information.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (DC)

Hello I am trying to get help for a mortgage home loan release that was satisfied by the former owner who I bought my house from in XXXX. The mortgage was held by GMAC mortgage services but they never filed that the loan was satisfied, But it shows that it is satisfied in the electronic mortgage system. The property address is XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. 

I contacted PHH Mortgage Services who took over GMAC loans in 2013, but they did not all loans that were paid off prior to 2013 did not transfer to them but dissolved when GMAC filed for bankruptcy. In fact, no predecessor company has this loan. 

I am now selling my home and was to close on my house tomorrow but the title company is refusing until I can obtain a lien release. I contacted the FDIC who told me to contact your department. She told me that there were funds submitted by GMAC during settlement to handle things like this but perhaps there are other ways you can help me to resolve this situation in a timely fashion as I may loses the opportunity to sell my home to the buyer I have. Please let me know what can be done and if I can get a lien release? 

Warm regards, XXXX XXXX XXXX
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (CA)

Hunter Warfield Collection Agency is continuing to report a debt on my credit reports that has been settled. On XX/XX/2020 XXXX XXXX XXXX XXXX, who is representing Hwarfield on this debt, received a certified letter from me that included a settlement letter and settlement check. The letter clearly stated the terms of the agreement that if they accept the settlement check and cash it, they agree to remove the collection fully from my three credit bureau reports. On XX/XX/2020 XXXX XXXX cashed the check. As of XX/XX/2020 the collection is still appearing on my three credit bureau reports. The balance owed, however, has been reduced by the amount of the settlement check. On multiple occasions I have attempted to reach them on the phone and keep getting the run around.
Consumer complaint received 2015-12-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In an effort to rapidly repay the HELOC, I sent Capital One XXXX several XXXX dollars over and above the monthly interest payment. On XXXX occasions in the last 12 months, Cap One applied the payment to " this '' month 's interest, and to " next '' month 's interest. In XXXX cases, they mistakenly credited my account with a couple dollars less interest and applied the rest to principle, then filed a 30-day late payment notice with the credit bureaus.
Consumer complaint received 2021-02-25
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. (LA)

Transunion has INTENTIONALLY damaged my reputation and committed WILLFUL neglect/negligence by not removing inquires and accounts I did not consent to. I will continue to dispute this issue until it is resolved. I will take legal actions if needed. Attached is 32 facts backed up by congress. Those 32facts are also violations, TRANSUNION has committed.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

Before my mortgage loan closed, the underwriter stated that a condition of closing was that my flood insurance policy had increased to the replacement cost estimator provided by the insurance company. This was done and the loan was approved for closing. After the loan closed, the same mortgage company came back and requested that I increase my flood coverage to {$32000.00} more than the cost to replace my home stating it was their right to do so and acknowledged it offered me no benefit. 

If this was truly a requirement for this loan, it would have been required by the underwriters before my loan was cleared for closing. I feel this is an unfair business practice and is causing me to over insure my home. I would not recommend this mortgage company to anyone. 

I have attached email communication from the lender to myself and the insurance agent before closing.
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NY)

Pay Pal credit sent me a letter in the mail with the charges and amounts owed stating that I still owe the debt and it was already paid according to the letter they sent me. There are class action lawsuits being filed against them for tricking customers stating that they owe charges when it 's Pay Pal that is extorting fees.
Consumer complaint received 2020-12-08
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: Exeter Finance, LLC. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, EXETER FINANCE CORP add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (MA)

I went on vacation and XXXX XXXX XXXX XXXX in XXXX and they charged me this money and i had already giving them my insurance i called and solved it now they just mailed me another one saying i still owe and i know it was resolved because it was taken off my credit and that ruined my credit alot
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On both XX/XX/2024 & XX/XX/2024, I contacted TransUnion Credit because I can not fully manage my credit file/report online. ( ie, I can not either place a freeze/unfreeze or lock/unlock my credit file unless I speak to a CS agent with TransUnion ). I was told that since I am a victim of credit fraud/identity theft that TransUnion will not allow me to fully manage my very own credit file online. I attempted to speak to several CS agents with TransUnion and completely ended up with no resolution. I was actually transferred from department to department. I was told my matter would be esculated and receive a callback within 5-7 business days. I have yet to receive a callback & have not ever receive a callback. This has also been an on-going barrier for several years.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade CISS Holdings, LLC (GA)

I hereby request a thorough investigation into this matter to verify the validity of the inquiry. Please provide me with detailed information regarding the source of the inquiry, including any documentation or verification you may have. Additionally, I request that the inquiry be removed from my credit report promptly while the investigation is underway.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (CA)

I am writing to file a formal complaint against XXXX regarding their failure to remove an unauthorized inquiry from my credit report, as well as their violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( a ) ( 2 ). 

On XX/XX/year>, I submitted a dispute to XXXX requesting the removal of an unauthorized hard inquiry made by ONEMAIN FINANCIAL on XX/XX/year>. Despite clear instructions, and FTC identity theft report and authorization provided in my initial letter, XXXX has failed to take appropriate action to delete the unauthorized inquiry. 

Subsequently, on XX/XX/year>, I sent a follow-up notice expressing my dissatisfaction with XXXX XXXX  lack of action and demanding the immediate removal of the unauthorized inquiry. However, XXXX responded on XX/XX/year>, stating that inquiries are factual records of file access and will remain on the XXXX credit file for XXXX years from the reported date. 

This response is unacceptable and directly violates my rights under the FCRA. XXXX has failed to comply with my lawful request for the removal of inaccurate and unauthorized information from my credit report, as outlined in 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 U.S. Code 1681n for obtaining a consumer report without permissible purpose, XXXX is civilly liable to me in the amount of {$1000.00}.

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against XXXX for their non-compliance with federal regulations and failure to address my concerns in a timely manner. Thank you for your attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2020-12-08
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: Amsher Collection Services, Inc. (SC)

On XXXX XXXX, 2020, AMSHER COLLECTION SE add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA AMSHER COLLECTION SE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Community Health Investment Company, LLC. (MS)

XXXX XXXX XXXX XXXX sent me a debt collection letter. I received this letter on XX/XX/2018. On the same day, I responded and asked the collection agency to validate the debt and provide HIPAA authorization. On XX/XX/2018, I received another letter dated XX/XX/2018 from the collection agency. The letter states that the collection agency has verified the charges with the original creditor and includes an itemized billing. The collection agency failed to validate the debt pursuant to the FDCPA or provide any agreement with the original creditor that would grant the authority to collect the alleged debt. The collection agency failed to provide a copy of my signature with the provider of service to release my medical information to the collection agency.
Consumer complaint received 2018-09-29
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. (GA)

Experian continues to blatantly report XXXX/XXXX Incorrectly, Despite Several Disputes with submitted proof of documentation that the account is PAID IN FULL. I PAID XXXX XXXX/XXXX   in 2015 in the XXXX Court of XXXX County. Just recently Experian completed an Dispute and REFUSE to change/correct the account to a PAID IN FULL STATUS, but to add insult to Injury, the Investigation stated that new information was added : THE NEW INFORMATION REPORTED A HIGH BALANCE OF OVER {$1800.00} as a Credit Limit, and my Original Credit Limit was only {$700.00}! This is Ludicrous, I now feel penalized for Monitoring my Credit Report as I should. This is in Violation of my Consumer Rights under FCRA. Reporting incorrect information on someones Credit Report is Illegal.
Consumer complaint received 2019-03-06
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. (NJ)

My account has been on auto pay since XX/XX/XXXX. XX/XX/XXXX I get an alert that my account had a missed payment, which was untrue. I tried to reach out to the company and it appears that they are out went out of business, the phone number doesn't work nothing, meanwhile all the major credit agencies have been notified and the was back on XX/XX/XXXX, I have yet to receive a update, I called them and they are saying I just submitted dispute which was a lie, I am getting the run around
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In XXXX when I was charged a {$59.00} annual fee by Captial One they removed the fee and told me to call in every year to have the fee removed. This card is linked to a XXXX account and if I close it I will lose the 7 years of credit history. They removed the fee last year and told me to call in every year to have the fee removed. I called to have the fee removed and the customer representatives refused to do so. Captial One offers a {$0.00} annual fee account which I asked my account be switched to and was told they could not do so when I call last year. So following the advice of the reps last year here I am stuck with a {$59.00} fee that I should not have to pay.
Consumer complaint received 2018-09-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: GLOBAL CLIENT SOLUTIONS, LLC (AZ)

Over the last 21 months, I have on time payments to Global Clients Solutions. I entered a contract in XX/XX/2017 I signed a debt consolidation agreement to resolve credit card debt. My case was given to XXXX XXXX XXXX XXXX. I have paid over $ 8k and XXXX debt has been negotiated. Theyve removed approx {$4500.00} in fees unusable for my debt negotiation. Nowhere in a payment schedule was this disclosed to me. Leaving less than $ 4k, Im being sued by creditors with the threat of additional payroll deductions
Consumer complaint received 2018-09-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Santander Consumer USA Holdings Inc. (FL)

on XX/XX/2018 my car was reposes by the loan holder, Santander usa on XX/XX/2018 i made a payment via XXXX XXXX  quick pay in the amount of {$4200.00} to paid off the loan plus all the towing and storing charges Since then Santander usa have refused to release the car, I have in my possession the free and clear tittle and registration of the car under my name I have made several attends to get my car back and the customer service always tell me that they are working on it
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

I am disputing my Principal Mortgage Balance that Bayview Loan Servicing is reporting. There are three issues in question. 
First Issue : XX/XX/XXXX I received an alert from XXXX Credit Bureau that Bayview Loan reported a Balance Increase First Mortgage, to {$280000.00}, the previous balance was {$280000.00}. 
Second Issue : XXXX, XXXX, XXXX Bayview Loan Servicing - XXXX Mortgage Interest Statement stated the Outstanding Mortgage Principal was {$280000.00} - Principal applied {$2700.00} bringing the balance to {$280000.00} ending Balance. 
Third Issue : XX/XX/XXXX Mortgage Statement reports the Principal Balance to be {$280000.00} with Principal & Interest & Escrow total Amount Due {$1000.00}. 
XXXX I received a letter from XXXX  XXXX  XXXX  and learned that Bayview Loan Servicing transferred my mortgage to XXXX XXXX XXXX. XXXX XXXX XXXX is reporting a negative escrow shortage of {$200.00} I want a full accounting detail to explain the mortgage increase that Bayview Loan Servicing reported to XXXX Credit Bureau. I want an full accounting detail to explain the Principal & Interest & Escrow Shortage.
Consumer complaint received 2021-04-06
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: Experian Information Solutions Inc. (CA)

1 ) XXXX  2 ) Experian 3 ) XXXX  All three of the above named entities have incorrect information on my credit report, either matters wrongly attributed to me or records which are validly mine but contain false information and no matter how many complaints I file ( with either the Credit Bureau or the Creditor ) it never goes off my report. I need this addressed and the situation redressed and rectified immediately, as it is impacting my quality of life severely and violating my constitutional rights. 

Please call me at XXXX XXXX XXXX to discuss remedies and mitigation. 

Kind regards, XXXX XXXX XXXX