davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

I disputed this account and nothing was sent to me to legally verify this account that i truly belongs to me and that the company has the right to legally collect the {$210.00}. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-04-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IN)

I have set up automatic payment for my student loan with Navient. It is supposed to automatically withdrawal {$240.00} on the due date. For whatever reason they did not withdrawal it this month on it's due date of XX/XX/2020. Today XX/XX/2020 they called me and my husband 4 times before XXXX XXXX. It has only been 4 days, we did not receive any emails or other notices that the automatic payment didn't withdrawal. This seems excessive and aggressive for 4 days late and the fact that all of the bank information is update and working. SO this was something that went wrong on their end and instead of fixing it themselves they call us repeatedly as if we did something wrong. Then when my husband called they refused to speak with him, even though he is an authorized person on my account.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  account # XXXX
Consumer complaint received 2020-07-17
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. (MI)

XXXX of XXXX, XXXX XXXX XXXX  Voluntarily closed 2 of my accounts a visa and a mc that were in good standing with low balances. I was trying to make a payment and then agent overseas didnt want to take the payment from another bank account. She he said well its done. 30 Minutes later I received an email saying that they apologized that I wanted to close my account. I called back and they told me it was too late i cant open it back up. 

They put on my credit report right away, I disputed the account and they found that the company voluntarily closed account they removed. XXXX added the account back to my credit file. I disputed. Credit bureaus keep coming back saying verified, when it was not. It cant be verified because on XXXX  its listed as XXXX  XXXX XXXX XXXX on Equifax and XXXX  it listed as XXXX XXXX XXXX. 

I disputed again, Credit stated that once again it was verified, but at the bottom says verified from last inquiry. 
I called in XXXX, no help. Called XX/XX/XXXX and told them to verify my debt. They mailed me to pages that just had a current amount, but nothing was itemized. I called again in XXXX to verify, they sent me a bill from XX/XX/XXXX that had revision to kinda match the price that they wanted me to pay. 
I advised them that I need the bill from XXXX when it was first closed. They refused. I called XXXX XXXX XXXX  directly and was told that they can not help me. 
Lately I started receiving email, stating that they are going to forward to the local attorney.
Consumer complaint received 2017-09-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: World Omni Financial Corp. (GA)

On XXXX XXXX this year I went to XXXX XXXX in response to an add that they had offering XXXX % interest on a new Rav XXXX. I spoke to salesman conf ; irmed with him the XXXX % rate would apply to my sale. They had a card sent from another dealership and I returned on the XXXX. On the XXXX I spoke with the salesman again confirming XXXX % apr rate as advertised. stressing that I would not be buying were it not the case, in fact had been looking at a XXXX and generally preferred it but the rate would save me so much money that I was convinced to go with XXXX. The salesman wen through his speal, we had agreed on a price the day before, he actually came in a little lower in this particular vehicle. i did not try to haggle with him as I was saving so much on financing. I have puchased vehicles on prior occasions from XXXX, just not this dealership. We went to the finance girl who typed up the documents. HEre again we discussed how great the XXXX % rate was. THERE WAS NEVER ANY MENTION OF ME PAYING ANYTHING OTHER THAN XXXX % during our conversation. I left the dealership thinking that I had signed up for XXXX months of XXXX % as advertised, and as was sent to my XXXX mail.- The print on the documents was too small for me to make out without a magnifying glass. 
and the documents were fed too me in such a m anner that I did not see the rate. As I trusted this Company and had no reason not to trust them I did not question anything, until I recieved a letter from XXXX XXXX XXXX XXXX, stating that the APR had been incorectly stated as XXXX and should have XXXX instead. This was the first I knew about the bait and switch. I called the dealership and was told to come in and speak to XXXX XXXX the following day. I did and he told me that what they did was legal, I signed the paperwork and I woulod be sued if I told anyone about what had happened.
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

XXXX XXXX has sent a collection agency to retrieve XXXX dollars not owed. I stopped doing business with them XXXX of XXXX  and switched to XXXX. mystatement via email from XXXX  XX/XX/2022 was XXXX yet they claim I owe XXXX dollar all of a sudden. this is hurting my credit score and I don't owe them.
Consumer complaint received 2020-05-28
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. (TN)

In Spring of XXXX I attempted to rehab my student loans with Navient solutions. Additionally, I attempted to remove my husbands name from the loans. I was told if I made a couple of months of payments my loans would be rehabbed and my husbands name removed from the 1 loan. I began making the payments and payments did AND STILL DO show on my husband 's credit report. Then in XXXX of XXXX, my payments were returned to me, and my husband 's loan went suddenly into default. When I tried calling, nobody had any information for me, the DoE showed I didnt owe any federal loans and Neither did Navient. At least thats what I was told at the time. My husband attempted for 2 years to get information on the loan with his name on it and is finally working to resolve that loan. In late XXXX I received notice my wages were being garnished to repay the loan and allowed it to continue. At no time did this show as a default on my credit report so I was under the assumption the repayment was on a loan NOT in default. Fast forward XXXX, due to covid 19 my payments were suspended by law, still no indication on my credit report that my loan was in default. Having fixed or settled all other student loans, I applied for a FHA loan and only then does this debt show as a default on the XXXX XXXX. When I tried to contact Navient they were even unable to provide me an account number, my payment ampunt or how to pay it. I was left with a loan I was unable to pay due to Navients confusing, false, or lack of communication. It was placed in default which was a huge mark against me and I was not afforded any way to pay it.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i have accounts with Bank of America, some of them since XXXX. 
i never had problems with check deposits until now. 
usually, when depositing a check on my checking accounts the information given by BofA is that the funds will be available within 2- 3 business days. 
the last 2 checks ( from 2 different clients, drawn to different banks ) were and are put on hold for 7 days with no explanation given. 
one check ( {$14000.00} ) i deposited on XX/XX/XXXX and it was put on hold until XX/XX/XXXX. 
the other check i deposited on XX/XX/XXXX : " BKOFAMERICA MOBILE XX/XX/XXXX XXXXXXXX DEPOSIT XXXX XXXX  '' in the next line it says : " Deposit Hold {$6000.00} Total amount delayed, available XX/XX/XXXX at XXXXXXXX XXXX XXXX ''. 
i called the customer service at BofA yesterday for an explanation. the answer was that for security reason they have to put the deposits on hold but the can not give the detailed information about it. 

also, the hold on the check of {$14000.00} doesn't show up anymore in my account statement. that means the documentation of the hold was deleted.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp. (MI)

This company continues to email my mother who is not on the account. Within the email it includes my name amount owed and other details regarding my business with them. I have requested for them to stop yet they continue.
Consumer complaint received 2019-08-19
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. (NV)

I have disputed the student loan account with XXXX  for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for my loan applications.DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX  XXXX**** and DEPTEDXXXX  XXXX****
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

Procollect - I faxed and emailed and called and disputed the collection in XXXX of XXXX   they showed on my bureau explaining this account IS MINE ; however, I DO NOT OWE A CANCELLATION FEE to XXXX because I cancelled my services within 3 days. They removed it from my Credit Bureaus ; however, they replaced it on my Credit Bureaus again inXX/XX/XXXX.. Procollect refuses to remove this from my Credit Bureau Files again and keeps taking me in circles. I requested they provide me written validation  showing I did not cancel within my 3 day rights. They said they received verbal verification from XXXX that I did not cancel within 3 days. I asked again for written proof and they hung up on me. I DO NOT OWE THIS. I am requesting that they remove this immediately from all three credit bureaus and permanently. Sincerely, XXXX XXXX account number XXXX shown on my bureaus for Procollect. Their phone number shows on my bureau as XXXX. I am trying to refinance my home and they do not care. Thank you for you help.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is a formal complaint that XXXX XXXX XXXX XXXX is reporting inaccurate and incomplete credit information. 


I would like to state that XXXX XXXX XXXX XXXX is in violation of 15 USC 1666 b which states that a creditor can not report late payment to any consumer reporting agency. XXXX XXXX XXXX XXXX has been paid in full, I am demanding that XXXX & XXXX update TransUnion and advise them to report on time for the months of XXXX XXXX XXXX XXXX 


Thank you.
Consumer complaint received 2022-08-12
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. (CA)

Should Not Reporting On My Credit Report Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681 ( 5 ) this acoount in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account should not be listed on my credit report I've never did any business with that company i did not authorize this account. List of other companies XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MECHANICS BANK (CA)

Amounts of {$2200.00} and {$350.00} were paid on XX/XX/XXXX to XXXX XXXX, Mechanics Bank. The total amount of {$2600.00} was applied to account number XXXX XXXX to pay the account in full. Account is still reflecting open with a balance of {$10000.00} on XXXX and XXXX. Last paid date on XXXX and XXXX show XX/XX/XXXX. 

I contact XXXX XXXX, Mechanics bank on XX/XX/XXXX to request a correction of the credit reporting and account status on XXXX and XXXX. Representative explained they would need a dispute and can be done by submitting CFPB Complaint.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Systems International, Inc. (TX)

The following accounts have reappeared on my XXXX Credit Report : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX These accounts are being reported by Credit Systems Intl after being removed 14 months ago. They were satisfied, however Credit Systems continue to post and remove at their leisure.
Consumer complaint received 2019-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I've had a student loan for over 10 years now. This loan has been moved multiple times with different companies. The loan is currently with Navient and even though I have never missed a payment my balance has not improved or decreased.
Consumer complaint received 2020-07-17
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: Resurgent Capital Services L.P. (MI)

XXXX of XXXX, XXXX XXXX XXXX Voluntarily closed 2 of my accounts a visa and a mc that were in good standing with low balances. I was trying to make a payment and then agent overseas didnt want to take the payment from another bank account. She he said well its done. 30 Minutes later I received an email saying that they apologized that I wanted to close my account. I called back and they told me it was too late i cant open it back up. 

They put on my credit report right away, I disputed the account and they found that the company voluntarily closed account they removed. LVNV added the account back to my credit file. I disputed. Credit bureaus keep coming back saying verified, when it was not. It cant be verified because on XXXX  its listed as XXXX  XXXX XXXX XXXX on XXXX  and XXXX  it listed as LVNV Funding LLC. 

I disputed again, Credit stated that once again it was verified, but at the bottom says verified from last inquiry. 
I called in XXXX, no help. Called XX/XX/XXXX and told them to verify my debt. They mailed me to pages that just had a current amount, but nothing was itemized. I called again in XXXX to verify, they sent me a bill from XX/XX/XXXX that had revision to kinda match the price that they wanted me to pay. 
I advised them that I need the bill from XXXX when it was first closed. They refused. I called XXXX XXXX XXXX directly and was told that they can not help me. 
Lately I started receiving email, stating that they are going to forward to the local attorney.
Consumer complaint received 2020-07-17
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: Santander Consumer USA Holdings Inc. (FL)

I traded my XXXX truck that was financed with Chrysler XXXX back in XX/XX/XXXX to a Chrysler dealer and purchased a new truck that was financed with XXXX XXXX the dealership never paid my remaining loan with Chrysler until 4 months later. I spoke to the dealer back in XX/XX/XXXX when i received notice of the payment and they told me they would take care of it and the payoff to the loan would be made.This dealership is located in XXXX XXXX FL ... But this did not take place, now resulting in my credit to be effected majorly ... This truck loan with Chrysler XXXX since the first payment has never been late as it was set up on auto payment and they can clearly review the history to see this is the case.I would never pay my payment late ...
Consumer complaint received 2018-07-23
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. (NJ)

I called Transunion on XX/XX/XXXX to report that I have been a victim of their inquiry issue that resulted in incorrect inquires appearing on my credit report. Clearly the representative at the bureau did not care and was not their to help and made it seem like the bureau PROFITS from bad credit and would not remove something that did not belong on my credit because it WAS NOT authorized by me. The following inquiries I reported to have removed - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

I submitted all application materials within 48 hours of request, oftentimes within 24 hours or sooner. I was told I would close on our refinance by the first week of XXXX. I received no updates. The first week of XXXX I reached out several times. Sometimes they told me to submit more materials ( some of which I already submitted ), and other times they told me nothing else was needed. One of the items they claimed they were pending is the required questionnaire completed by my HOA. I contacted my HOA and they submitted the questionnaire almost a full month earlier, but AmeriSave lost the questionnaire because they changed my loan processor without warning and it was sent to the old loan processor. I finally received my initial closing disclosure with a new closing date of XX/XX/XXXX. I received no instructions for closing day, so I reached out on XX/XX/XXXX and XX/XX/XXXX several times and could not reach my loan officer or loan processor until the end of the day on XX/XX/XXXX. They told me the underwriters were still reviewing materials and I can not close on XX/XX/XXXX. Had I not been proactive and not contacting my loan officer or loan processor, I would not know the status of my refinance application and what to expect. I still do not know what to expect, but I suspect that they are delaying my closing until after my new rate lock of XX/XX/XXXX expires or after the general election when interest rates are likely to increase.
Consumer complaint received 2020-07-16
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: Caliber Home Loans, Inc. (IL)

We have been a home mortgage Customer with Caliber Home Loans for more than an year and recently refinanced with themselves right during COVID19. They reported 1 day late payment to all 3 credit agencies which hit my credit score heavily which is adding mental stress on top of all COVID lockdown, pandemic related health concerns and managing family to stay safe. 

1. The whole world is in lockdown during this late payment time and we are unable to perform our normal tasks and live normal life. 
2. They never sent a single email even they captured our email during financing. 
2. They sent letter in postal mail about pending payment but due to COVID safety and health concerns we are unable to open the letter on time due to quarantine. 
3. They do have all our Bank information where they are withdrawing from last year and we are unaware of their stringent rules that I have to manually re set up Bank information. 
4. This is only first payment after refinancing and they did not communicate me on time and in right channels. 
5. Their phone calls are mixed with marketing calls and unable to differentiate between all their calls are coming from same number.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I went to the Capital One web site to apply for XXXX XXXX XXXX. By the time I finished the application, I realized it was for a credit card not XXXX XXXX. I already have a Capital One Venture Card and dont need another. Every time you apply for another credit card, it damages your credit score. This is a highly deceptive practice by Capital One. Please remove this inquiry from my credit report.