davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Finance Company, Inc. (NE)

Dear Sirs, I was attending school at XXXX XXXX College in XXXX Colorado, going on my second semester ( In XXXX of XXXX ). In the end of XXXX, I received a phone call from XXXX where I found out that my mother had XXXX. I had to leave school to go take care of her in XXXX XXXX XXXX, XXXX. When I came back, in XXXX of XXXX, I found that ( XXXX XXXX COLLEGE ) had sent a bill that they said I owed in the amount of {$740.00} to a collection agency, by the name of PROFESSIONAL FINANCE COMPANY, located at XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. Phone nubers ( XXXX ) XXXX and ( XXXX ) XXXX. I basically only went to class for a few days for that XXXX Semester ( which began in XXXX of XXXX ). I have been unable to pay this, and I am currently attending school at XXXX XXXX XXXX in XXXX, Nebraska. In order to enroll for the next semester, I am going to need the transcripts that XXXX COLLEGE has, which they will only give after what they say I owe is paid. I do not know what to do, because I am very poor, and I need the transcripts in order to continue going to school. Please, I need your help. I do appreciate so very much your time and attention to this matter. Respectfully yours,
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel as if Im being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress inflicted upon me.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (TX)

See attached XXXX NOTARIZED Identity Theft Victim Affidavit. After 4 years, I am understandably not happy with the 90 Fraud Reinvestigation Discover responded with on Consumer Financial Protection Bureau Complaint # XXXX. After theft of cards in XX/XX/2017, I was in hospital for 5 days in XX/XX/2017 for emergency XXXX XXXX XXXX. And again, in XX/XX/2017. I was in the Hurricane Harvey Flood beginning in XX/XX/2017. The thief is XXXX XXXX XXXX aka XXXX XXXX XXXX. I have already sent information that I easily XXXX reflecting credit card abuse, forgery, impersonation, and false pretenses. Also attached is a letter I sent to XXXX XXXX XXXX XXXX regarding more fraud and impersonation from XXXX XXXX. She was able to get on my company insurance for several months and was getting pills from a doctor.
Consumer complaint received 2017-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MN)

I have had issues with Fedloan Servicing since they 've taken over my loans. The company is hard to deal with on a general basis, its more of a chance of getting someone who knows what they 're doing and cares about their job. 

They give inconsistent information for the XXXX XXXX XXXX XXXX program. I 've had trouble certifying my income based repayment plan 3 years in a row, each time they 've incorrectly closed my application saying I did n't send in enough information. All three times they received the information that they requested and needed to render a decision. Two years ago I had issues with it and had to have my bank stop payment to them due to their errors and my payment going way up. 

I worked with them for 3 years on the income based repayment plan and the XXXX program before one of their employees told me that the bulk of my loans did n't qualify. So the bulk of my loans had no qualifying payments, three years of lost payments for forgiveness. I feel like I receive subpar customer service and they have no incentive to provide better service because they 're locked in with the government to administer student loans and the XXXX program.
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Kohl 's credit card call me repeatedly everyday. XXXX times on thus far XXXX seperate occasions : XX/XX/2015 at 8XXXX, XXXX, XXXX, and XXXX ( cst ) XX/XX/2015 at XXXX, XXXX XXXX XXXX, XXXX ( cst ) and then on XX/XX/2015 at XXXX, XXXX, XXXX, XXXX, and XXXX ( cst )
Consumer complaint received 2015-08-24
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

My bank refused my check to an account that is from my bank. No one seems to understand what happened.Capitol One manages my XXXX Account.It is identified as a Capitol One Account, I called them to find out what happened and no one could explain. I was on the phone for an houreventually they wanted to do a conference call but the person was out to lunch. 
Then I was told to call back again. XXXX hours on the phone and no solution. 

The account is marked Advised. 

A report was made to credit sources and XXXX sent me a letter to advise that they had sent it to credit agencies.???? 
This is the letter that was sent to me online from the bank private mail.. 
Your payment to XXXX XXXX XXXX for {$290.00} on XXXX/XXXX/2015 wasrefused by the payee. This payee would not speak to a XXXX partyregarding the reason for the returned payment for the security of youraccount. 

We are in the process of issuing a refund to your checking account withCapital One. Please allow XXXX business days for refund to be applied ( excluding weekends and holidays ). 

We apologize for any inconvenience this may have caused. 

Thank you for banking online with Capital One, we appreciate yourbusiness and the opportunity to serve you. 

Regards, XXXXCapital One Online BankingI talked to XXXX XXXX but not to them and the bank and they said systems error maybe? What is this all about. If the bank has a relationship which is shown to be Capitol One, how can it not honor my check? 
Please advise. 


XXXX
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services (GA)

I have informed XXXX  on numerous occasions via mail and fax that I have been a victim of Identity theft of which the listed items that have been reported on my credit profile may be a result. I have no knowledge of these items or accounts as they are redacted, and I have also requested proof of the verification method XXXX  has used in order to investigate and procure proof this item is accurately reported. 

XXXX had informed me to communicate with the creditor EDFINANCIAL EDUCATION to request removal of which I have and never received a response no proof of the item 's permissible purpose and documents relating to the contract. 

I have never done business with EDFINANCIAL EDUCATION my desired resolution is for these items to be removed immediately pursuant to the FCRA law section 609
Consumer complaint received 2018-06-10
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. (GA)

After seeing recent media on hacks on the American public information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

These accounts are inaccurate and should not be on my credit report. 

XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

These following companies below have put unauthorized inquires on my credit report. 
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
Consumer complaint received 2020-11-30
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. (MA)

Experian closed the dispute stating that my report remains unchanged after their reinvestigation, yet I have a letter from the creditor that supports my position and can not update the dispute. XXXX XXXX 's letter is counter to Experian 's findings, and so Experian should update the dispute and fix my credit report.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

The last payment was made XX/XX/XXXX and the default was 30 days later in XXXX. 
The lender is attempting to make it appear the last payment and default are more recent. 
They show I was 60 days late in XX/XX/XXXX. 
This is not the first time the lender has done this. My score dropped XXXX points.
Consumer complaint received 2019-11-09
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. (NY)

I have a so many credit inquiries on my report. Im in complete disbelief, someone is using my information on XXXX, loan request and credit card request. I no longer have a credit score none of my finances are being report I work so hard to gain credit now I dont have any. 

Can you please help XXXX XXXX
Consumer complaint received 2017-10-13
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. (TX)

I consolidated all of my student loans with the US DEPT of ED and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over 7 years old. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for 7-10 years.
Consumer complaint received 2018-01-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CarMax, Inc. (SC)

I purchased an used XXXX XXXX XXXX at one of the Carmax locations in XX/XX/XXXX The car was at  57,000 miles and sold for alittle over {$17000.00} at the time. While doing the paperwork with the representative XXXX ( she no longer works there ) she explained the warranty and said I had to purchase it, and it would cover me for the first 3 years if something happened to the car. She also told me I had to sign an arbitration agreement or she could n't sell me the car, she did n't explain the specifics of the agreement, only that I could n't join any class action lawsuits against the company. Once my car reached 100,000 miles, it started shutting off on its own and when driving a certain amount of mph it would slow down on its own as if it was going to stop in the middle of the road then after awhile it would speed up to the correct amount of mph, then stop again. I called to do a warranty claim and was told it 's over 100,000 miles so there was nothing they could do, but I still had to pay for the warranty until the end of the loan. It left me in a bad situation. Being that they could n't be of any assistance with helping with repairs. I got a mechanic to look at the car and was told the transmission was slipping and the car appeared as if it had several body work done and it was just repainted to cover accidents the car previously had, the transmission had been worked on before and it was n't going to last. I felt like I was lied to about the car fax, which is probably why I was forced to sign arbitration agreement. All my payments were made on time and it was never a problem with me making my payments. I called Carmax in XX/XX/XXXX and told them to pick up the car, they picked it up 3 months later in XX/XX/XXXXwith no notice and kept my belongings inside the car without returning them. The car was sold at an auction and I received no notice to attend, they said the could n't reach me. I received letters from a collection agency which is a breach of the arbitration agreement on XXXX behalf, I tried to rectify this several times with no resolution. XXXX has charged off the loan on my credit under their company 's name but still sent a collection agency to collect balance, once they knew they breached contract they bought the account back from the collection agency and keeping it within their collections while adding on several fees and interest after the fact they have written the account off, but making it nearly impossible to resolve this issue.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (SC)

experian, Esperian is not allowing me to access my credit history in written form and on the internet. The internet sit does not function correctly and it is creating a catch twenty two situation of a endless loop around and around the system which will not operate correctly. 
I want my credit history sent to me by snail mail and on the internet on demand ; which I have a legal right to access by law.!!!
Consumer complaint received 2019-11-09
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: EQUIFAX, INC. (NY)

I have a so many credit inquiries on my report. Im in complete disbelief, someone is using my information on XXXX, loan request and credit card request. I no longer have a credit score none of my finances are being report I work so hard to gain credit now I dont have any. 

Can you please help XXXX XXXX
Consumer complaint received 2019-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

We tried to remove our PMI as according to two websites ( XXXX and XXXX ) and the selling housing around us is worth between {$380000.00} and {$390000.00}. Our original sales price was {$320000.00}, our original loan amount was {$300000.00}, our balance at the time of application was {$280000.00}. Based on those numbers, we applied in writing to our mortgage company TIAA Bank to remove our mortgage insurance as we owed 80 % of our house value. 
TIAA Bank informed us that according to our mortgage we can only remove the PMI if the house is worth 75 % of our current house value or 80 % of our original purchase price. TIAA Bank also informed us that if we wish to perform an appraisal of our house it will have to go through a company they assigned and we will have to pay the {$460.00} fee. Somewhat confident in our house value we ordered the appraisal. 
The appraisal was ordered and performed on XX/XX/2019 by XXXX and they assigned XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX. The appraisal showed a current value of {$300000.00}. 
Our complaint would be 1. We can only communicate with the department handling the PMI through mail. 2. We do not have any right or say in what company is used in the appraisal. We understand the house may not be worth exactly what the suggested websites suggested, but the difference is extremely great. 3. Is there a regulation on these misleading websites? The day after the appraisal was done, our house decreased in value according to XXXX to {$370000.00} ( from {$380000.00} three days prior ). We wouldnt have paid {$460.00} to have a appraisal done if we didnt feel it was close to the 75 %. 
What rights do we have as consumers? We were trying to get some breathing room with lower mortgage payments but instead we are out {$460.00} and a house that is according to the appraisal but not the market (? ) worth less than our purchase price? The house next door sold for over {$400000.00} less bedrooms bigger sq.ft, yet the appraisal do not include that to the comps?
Consumer complaint received 2021-03-24
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)

Hello, there is information on my credit report that is false or fraud. 

On my transunion report it states that I reside or have resided at XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never been associated with this address. 

This is fraud and must be deleted as I have never lived, or been associated with whoever lives there.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I ordered a withdrawal of XXXX euros from my coinbase wallet to my bank account onXX/XX/XXXXand at nowdays I have n't seen that money. Of course I tried several times to contact the support but just automatically reply. My case number is XXXX.
Consumer complaint received 2017-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

after 4 years and AFTER my social UNsecurity number and other personal information was HACKED AND LEAKED by the incompetence of XXXX all of a sudden a debt collection for natcred in the amount of XXXX dollars showed up on my report no collection agency is going to wait 4 YEARS!!! to start collecting that is utterly moronic. all that XXXX AND Transunion did as far as an investigation goes is contact the debt collector for confirmation which 10 out of 10 they ALWAYS SAY YES. This is proof of a sheer lack of proper investigation and proper procedure on there parts. it illuminates how they never care about the consumer and that the consumer is always just a liar. when the fraud here and incompetence has been committed by XXXX leaking all my information to be used by real criminals. also XXXX has a bunch of incorrect information on accounts that were closed when I filed for bankruptcy BUT they have them listed separately because they refuse to do a proper investigation into those accounts and request the bankruptcy papers from the FL court it is not my job to provide these to them and I am XXXX they can request the info and READ THE FACTS themselves, which were cleared in my chapter XXXX bankruptcy of XXXX XXXX XXXX, XXXX and XXXX XXXX it has always been an uphill battle with these people and a waste of time they never, EVER!!! TREAT the consumer as a client we are ALWAYS considered criminals that do n't pay for anything. IM SICK AND TIRED of this ineptitude and lack of respect by these companies.
Consumer complaint received 2016-01-16
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

Under CFPB complaint number XXXX, XXXX alleges that XXXX and/or Financial Asset Management Systems can run my credit report anytime they want. That statement is false. In addition, whoever wrote the response from XXXX to CFPB complaint number XXXX, does not know what they are talking about because they cited the wrong applicable law. They cited the Fair Debt Collections Practices Act. The applicable law is the Fair Credit Reporting Act in conjunction with the Fair Debt Collections Practices Act. It is a very fine line between being able to run someone 's credit report including mine whenever they want as a permissible purpose, and the action of re-running someone 's credit report over and over, including mine, constituting harassment. Financial Asset Management Systems pattern of continuing to run my credit report over and over constitutes harassment. The person who responded to CFPB complaint number XXXX from XXXX has no idea what they are talking as they cited the wrong law when responding to the issue of running someone 's credit report over and over, including mine. XXXX has a pattern of denying everything, just like they denied overcharging troops, which they did.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.