davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (OH)

Diversified Consultants  is acting as a collection agent for an alleged debt I owe  XXXX  from  XXXX . The amount of the debt includes an amount for equipment which was returned to  XXXX  but for which  XXXX  is nevertheless demanding payment. Since  XXXX  different collections agencies have attempted to collect on this debt. I 've disputed the amount with each and it was ultimately removed from my credit report.     In  XXXX ,  XXXX   Diversified Consultants  again reported the debt to by credit bureau. They also re-aged the debt to appear that it is from  XXXX ,  XXXX , when they apparently received it for collection. I contacted the company and offered to pay the undisputed amount, but also asked that they remove the information from my credit report as it was incorrect. I was transferred to a manager, who told me that it is possible that  XXXX  received the equipment but also charged me for it because the time frame in their return policy is " very strict ''. She also repeatedly told me that under the FCRA they could not remove the information from my credit report -- '' even if  [ I ] p aid the full amount. Even if  [ I ]  paid {$1000.00} more.     The information the company has reported is incorrect in both the date and the amount owed. Further, the company incorrectly stated the law as provided under the FCRA, and used the FCRA to justify continuing to report negative incorrect information.
Consumer complaint received 2023-01-27
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-06-08
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. (DE)

BMW financial services is reporting me 30 days delinquent for my  XXXX   XXXX    XXXX   payment. I made this payment and it withdrew from my account on  XXXX . Less than  XXXX  calendar days later. It was due on  XXXX  and posted to their account on  XXXX . There should not have been any credit reporting. This has dropped my  FICO  score significantly.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

My account became froze on XX/XX/2020. I have faxed my documents 4 times & uploaded documents also twice. They have gave me 3 + fax numbers, they have gave me all the wrong dates and information. I faxed a copy of my social security card 4 times, my birth certificate 3 times, my expired ohio state ID 4 times, cable bills, my food card, my us bank reliacard, my forms from the bank about a dispute, I uploaded my payment history for the last several weeks from unemployment, my bank account or debit card preference info from unemployment twice and the receipt from the faxes I faxed also! I have been laughed at when I was crying & begging for help!!! I have all the call logs and if they was listening to my previous calls that have been made by myself to the company over 20 times you could hear the lies and wrong information given to me time after time and again! They lie, hold your money and won't try to help ppl.
Consumer complaint received 2017-04-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION (VA)

In XX/XX/XXXX, during the mortgage meltdown, our equity lender Nave Federal Credit Union ( NFCU ) foreclosed on our home. During the foreclosure process, they refused to negotiate with either us or our attorney, despite raising our equity loan payments from {$500.00} per month to over {$3000.00} per month. 
We are federal employees with security clearances and just found out that even though the equity loan was part of the foreclosure, NFCU is reporting this as a " chargeoff '' on our credit report which is now effecting my financial credibility during my reinvestigation. I 've reached out to NFCU for resolution and they 're referring me only to their collections division. The foreclosure was in XX/XX/XXXX.
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I deposited a check on Thursday morning,  XXXX  XX/XX/XXXX . As of today, XX/XX/XXXX   th e funds are still not available. I understand a reasonable hold time  2-3 days, but a week? The check was drawn on a US Brokerage  house and was less than {$1000.00}. The account had never been overdrawn and had been in existence since XX/XX/XXXX  Other banks I deal with would have cleared the check in  two days .
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

A monthly payment made in full was issued by us for loan # under check # in the amount of {$1100.00} on XX/XX/year>, and erroneously posted by XXXX XXXX as " Late ''. This error was reported to the credit bureaus causing my business partner and I a XXXX-point drop on each of our respective credit scores. Beginning on XX/XX/year>, we both disputed this egregious oversight by XXXX XXXX through the proper channels, and to date they have failed to remove this negative remark from our credit reports. The payment in question was received by XXXX XXXX ( personal check ) before the due date ( XX/XX/year> ) and returned to our XXXX XXXX stating they no longer accepted personal checks. Due to the XXXX lockdown and personally being bed ridden with XXXX, my partner and I were physically unable to retrieve our mail from the XXXX XXXX , and thus had no knowledge of the policy change with XXXX XXXX. Our various business holdings, and credit scores reflect a 100 % payment " On Time '' history, with XXXX XXXX tarnishing it with poor accounting and business practices, and their blatant and flat-out refusal to accept responsibility for their actions.
Consumer complaint received 2020-01-23
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I AM CERTAIN THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2017-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I took out an original loan for  XXXX  dollars at their crazy 35.99 % interest rate but I needed some funds in a hurry and paid off the loan early which would have been around  XXXX  for the full term but they charged me over  XXXX  for far less than the full term and did not refund me the overpayment now I 'm looking at this after signing up for an additional loan that again I need very short term ( {$5700.0 0} ) a nd they are reporting that I owe them over  XXXX !! This is inaccurate reporting, they do not display statements, payments, and early payoff quotes correctly so they can intentionally  XXXX  you.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Beginning in XXXX, I visited the XXXX dealership in XXXX, TX. I was purchasing another vehicle and decided to take my XX/XX/XXXX XXXX to the service department. I was having issues with my XXXX, which is covered under the extended bumper-to-bumper warranty I purchased. 

I dropped my car off for them to look at the XXXX issue and to perform a XXXX mile tune-up on my car, which cost me over {$700.00}! When I came to pick my car up a few days later, I noticed after leaving the dealership the XXXX issue was not resolved. I immediately called the dealership and they advised me to bring it back in a few days, which I did. 

Upon bringing the car back for the SECOND time, the XXXX dealership put me into a rental. They kept my car for a WEEK and then called saying they were not certain what the issue was and I needed to come get the car. They said they would order a new radio and when it was received I could bring it back and they would replace it. 

I later brought my car back and they put me into a rental car again. This time the dealership kept my car for FIVE solid weeks. They returned my car to me on XXXX, which is the last day my warranty was valid. 

After leaving with the car, we noticed the XXXX issue still was not resolved and now we were having additional issues with electronic components ( thermostat read XXXX degrees, all of the time, and when I changed the temperature of the air conditioning it would also change the mode, which are controlled separately ) Again, I called the dealership to let them know. I was asked to bring the car up there on XXXX at XXXX Unfortunately, I was unable to make it to the dealership in the morning due to work ; however, we brought the car up there at XXXX - just six hours later. 

When my boyfriend arrived at the dealership he was informed that they would not look at the car because we were not there on time, they would not simply take the car and give us a rental because they had to diagnose the car to ensure something was wrong with it - mind you - this is NOT a new problem. The manager, XXXX refused to talk to me on the phone and made me speak with the Service Guy and she also said that unless we could prove that they caused the additional electrical issues, we were going to have to pay for those out of pocket. 

It is ridiculous that a consumer can pay thousands of dollars for a warranty, be charged interest on top of that, and not receive the level of service they should. THIS IS A COMPLETE SCAM!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (WA)

I have been writing letters to this company for more t han two years. I 've made several request for this company to several times that I be provided with a copy of the complete payment hisotry, proof of agreement which bears the signature of the alleged deb tor showing that there had been an agreement to pay the original balance, letter of sale or assigment from the oeriginal creditor. None of these has been sent to me. Nothing has been done. They are reporting items that are unsubstantiated.
Consumer complaint received 2018-03-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NY)

ALLY auto financial repossessed my car on XX/XX/18. they did not follow consumer protection laws, motor vehicle laws, and disregarded my protection under the civil service member relief act. local New York attorney generals office has been notified and is in the process of contacting ALLY. The NYS DMV is investigating this as well. ALLY did not provide any documentation prior to after the repossession to myself or at a minimum the DMV.
Consumer complaint received 2017-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MI)

XXXX   XXXX   XXXX  you lied to me when you stated you had nothing to do with   XXXX   XXXX   and that you know nothing about the  XXXX   XXXX ,  XXXX  letter from  the OCC. Also  you have nothing to say about the current resident   XXXX   XXXX   and   XXXX   XXXX  . A mortgage from ch ase Manhattan wa s registered to my name on  XXXX / XXXX / XXXX  that i s five  months after he convinced me to move out claiming he bought the house from   XXXX   XXXX  . THAT MORTGAGE IS IN MY NAME AND I AM OUT OF THE HOUSE.  <P/> I have a letter dated  XXXX   XXXX ,  XXXX  from chase home finance llc.loan #  XXXX  fro m your executive resolution group with CC. TO The Office of the comptrolle r of the Currency, case  XXXX . This is what the letter dated  XXXX   XXXX ,  XXXX  from th e OCC are refe rring too.  <P/> Please explain to the CFPB.  <P/> I see on  XXXX   XXXX  full detail public record where I taken out the loan from  XXXX   XXXX   XXXX / XXXX / XXXX  but I dont see where from  XXXX   XXXX  how ch ase Manhattan Mort gage got back on the chain. Please explain in writing to the CFPB. Produce to them in writing and I will get the reply from them.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

When I just checked my Equifax credit report I saw that one of my associated addresses said I lived at : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have never ever lived at this address nor have I ever lived in XXXX. I have n't lived in any other states besides XXXX and XXXX so I have no idea where this address came from.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened an Account at Bank of America in XXXX, connecting it with a credit union account where i had {$45.00} automatically sent to my Bank of America account on the XXXX of each month. those transactions were made. I did not use the account, but made the deposits regularly until XX/XX/XXXX when i closed the account. When i tried to access the account in XXXX Bank of America refused to allow me to withdraw the money because i had forgotten about the account, although the account was active each month because deposits were being made into the account from my credit union account into the Bank of America account, both accounts have my name, social security number, address and other Identification. Bank of America called it an forgotten account and they would only pay me less than {$200.00}. How can an account be a " forgotten account '' if money was going into the account monthly. I have printouts from the credit union verifing the deposits. i never received correspondence from the bank concerning this account. 
This is not a good way to treat a senior citizen who worked hard for a living and a good life during retirement. My husband worked so i could live well after his demise which accured in XXXX. This money is needed so i can have a decent, comfort life during my retirement, i am a widow and retired with only my savings to live on. What is my recourse? 
Respectively submited
Consumer complaint received 2022-03-03
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. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

I have had a very difficult time dealing with XXXX ( subserviced by Loancare ). My account has always been current ( no missed payments ). First, they transferred my servicing to Loancare and didn't make it clear when/if my autodraft would commence. Apparently it would not commence in time for the XX/XX/XXXX due date and so I wasn't aware my XX/XX/XXXX payment did not go through as a result. I went to the website, which was down and inaccessible. I called their customer service to make a one-time payment and set up autodraft. Then, when the website was back up, I was unable to find a record of the one-time payment. So I initiated a one-time payment myself on XX/XX/XXXX. Then, a few days later, my one-time payment and another one-time payment went through, effectively causing my account to be drafted for two payments at once. At this point, I want to have my autodraft suspend the XX/XX/XXXX payment since I am paid through to XX/XX/XXXX. However, the website is telling me that I can not access the autodraft information online. Just a week ago, I was able to. I do not have time to keep calling Loancare/XXXX to fix problems due to their sloppy website and communication with borrowers.
Consumer complaint received 2017-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

Progressive Management Systems has violated the FDCPA and the Fair Credit Reporting Act. They reported several accounts on my credit report that has not been validated. I contacted both the company and XXXX to demand validation of the debts they are trying to collect and are reporting on my credit reoprt. I also disputed the debts with XXXX. XXXX deleted 3 of the collection accounts in XXXX 2017 because they were unable to validate and today I noticed that the collection accounts have been added back to my credit report with no notice received that they would be added back and the other 2 still remain on my report. Under the FDCPA and FCRA a debt collector can not report to a credit reporting agency unless and until it verifies the debt. I have received no proof ( signed documentation ) of any type that this debt belonged to me as I demanded. There was no date of verification nor any documentation of the authorized HIPAA business relationship between Progressive Management Systems and the original creditor. Being that I have never been without medical insurance it is extremely important that I receive full validation of any alleged debts including services or signatures. This company has been unable to properly validate this debt and continue to report in full violation of the FDCPA and Fair Credit Reporting Act.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a XXXX XXXX XXXX XXXX Please remove unauthorized inquiries from my credit report As soon as possible. 


EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  see attached, please remove.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

My mortgage is wi th Bayview Loans tr ansferred from  XXXX   XXXX  i n 2015. I  have been paying the mortgage promptly monthly. I discovered that all payments were being applied to interest only. I contacted Bayview and was informed that the problem would be corrected. It was not. Later l was informed that the loan was a daily interest loan in addition to the 30 year fixed. I was not aware of this. When l make payments l use the customer service representatives. I ask how much is due each time and l make the regular monthly payment. Recently l found out that the daily interest payment was also due and that is the reason why all payments were applied to interest only. When l receive my monthly statements it does not reflect the daily interest amount and calls each month to the representatives did not indicate that additional monies were due. I think that this is a deceptive practice to cheat me out of my monies for the principle amount on the mortgage. I was never informed by mail or over the phone that additional monies were due. This practice allowed Bayview to take my entire mortgage payment and apply it to interest only. Since l started an inquiry with Bayview l have been given the run around. I received a statement outlying how the payments were applied. The statement was confusing and inaccurate. Recently l have been informed that the mortgage has been transferred. I think that the transfer is an attempt to get rid of my account because their practices were deceptive. I believe l am a victim of fraud.
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

XXXX XXXX XXXX XXXX. company suddenly appeared on my credit report out of nowhere. Supposedly it is from a " debt '' from XX/XX/XXXX. This is absolutely false. I did not have this collection agency on my report in the past. It just recently appeared in the last few months. I know for a fact that this is not my " debt '' because I have been able to open an auto credit account with XXXX  in XX/XX/XXXX and paid for and they would have never approved me if this " debt '' was on my report. I am a recent college graduate and I currently need to relocate due to my job and have been trying to find an apartment to rent yet I have had issues trying to get approved because this supposed collection is showing on my report.