davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MN)

My account was paid off and refinanced with a different finance company. The finance company overpaid what was owed on the account. I 'm being told that the over payment will be returned to me in 30-45 days from XXXX XXXX 2015 to make sure there are no liens and paperwork is taken care of. I honestly do n't believe that to be an acceptable time frame for this to happen.
Consumer complaint received 2024-03-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (FL)

Last year XX/XX/XXXX I closed my mortgage, payment fixed XXXX, This year XX/XX/XXXX The mortgage company sent me a message tell me my mortgage payment going to be XXXX, When I call they said the company who does my escrow did it wrong so I have to pay the difference. is that something? I have been struggling to pay my mortgage never missed a payment now they add almost {$600.00} on top of my regular payment. 

People who that they profession, make they mistake I shouldn't be the one who paying for they mistake, weeks before we get to the close document passed on to many hands before closing no one seeing it. 
I think they try to kick me out so they can get advantage on me
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 : {$19000.00}, U S DEPTOF EDXXXX XXXX XXXX : {$4400.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$150.00}, XXXX XXXX XXXX ( OriginalCreditor : XXXX ) XXXX Balance : {$89.00}, XXXX  XXXX : {$0.00}, XXXX XXXX Balance : {$180.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00}.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion Credit Bureau has reported another unverified account on my credit report. This is a constant violation of Section 609 of the Fair Credit Reporting Act. 
Credit Bureaus are required to verify signatures on Contracts submitted to validate the debts.
Consumer complaint received 2017-08-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously disputed an account listed as XXXX XXXX XXXX on my credit report that was showing open/late. The account was CLOSED as a result of my numerous disputes. HOWEVER, the TRANSUNION account was closed at a balance of {$130000.00} on a vehicle with an original balance of {$12000.00} The disputed amount was {$13000.00}. Somehow, an additional XXXX ' was added to the balance causing it to change from $ XXXX to $ XXXX. The account was closed at the XXXX and XXXX  with {$0.00} balance. This needs to be updated and corrected ASAP! Document is attached to show error. I called Transunion on XX/XX/2017 to correct this issue. They declined and opened a dispute because they stated it came from the creditor at the noted balance.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (GA)

My rights were violated according to the laws by the creditor 12 CFR 1006.34 ( B ) ( 5 ), 12 CFR 1006.34 ( C ) ( 4 ) ( I ), 12 CFR 1006.34 ( D ), and 15 USC 1681-S 2 ( 7 ) ( A ).
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC (TX)

The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit fileXXXX XXXXXXXX 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 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 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TransUnion deleted all inquiries prior to XXXX 2016. They reinserted all the inquiries a week later without proper notification being sent. Since then I have contacted TransUnion via telephone multiple times, I have also written letters that were sent via certified mail. They have been uncooperative in correcting this matter. All inquiries prior to XXXX 2016 needs to be deleted and my credit report needs to updated to reflect the most accurate information. Please help me to ensure that TransUnion follows the law. Thank you for your assistance.
Consumer complaint received 2017-02-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Refusing payment. I have attempted several times to pay an account they are reporting on my credit report. The address provided on credit report is undeliverable. I then looked up address through BBB sent a check out and it was returned saying there was unacceptable markings on it. On the memo line i wrote exactly what it says on the credit report! XXXX XXXX XXXX the check was written out to Portfolio Recovery. I do not understand why they are refusing payment
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (FL)

I have contacted bridgecrest numerous times prior to the due date of my car payment to have my monthly payment pushed to the end of the loan. I advised my father was sick and I was behind in taxes. They refused to file the request till my payment was past due on the XXXX of XXXX. When I called in XXXX they advised it has to be close to 30 days past due to file. Contacted in XXXX and at this time my XXXX in XXXX, again refused to submit request until after the XXXX in XXXX. Called at this time and advised it was the XXXX, and called again in the XXXX and they finally sent the request but advise will report my XXXX payment deliquent which is not due till the XXXX. Advised I would like to request both month pushed as I am paying funeral cost as my XXXX passed  on the XXXX and advised this can not happen till the XXXX at which time my XXXX will report to the credit bureau as delinquent. I feel this is an inappopriate tactic used on consumers especially those who have made payment on time. This is blackmail or strong arming the consumer who is attempting to stay in good standings. They never sent a receipt of filing the request and never provider references as if the conversations will be erased. They never approved or declined the request or informed consumer. I had no information if accepted. They pushed this to my credit as if not paid but all payment were made up to date by the end of XXXX as it was unclear if the request was accepted. They failed to communicate the process or if accepted or declined.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (GA)

XX/XX/2016 I received an AmEx mailing offering an AmEx Premier Rewards card with a XXXX point bonus after $ XXXX spend. I was uncertain if I have ever had this card before so I called AmEx to confirm that I was eligible. After speaking to XXXX different people it was determined that I was in fact eligible for the bonus. I was informed today that the bonus was declined.
Consumer complaint received 2017-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Funding has been on my file since 2013. I asked several times to show proof of the debt and the company keeps sending me a bill. The problem is Midland Credit debt has been removed off my credit twice, which last week it was removed again now they have placed it back on my credit. The origin creditor which is XXXX is also reporting at the same time for the same debt.
Consumer complaint received 2016-03-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ECMC GROUP, INC. (TN)

I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit fileXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (IL)

n 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, 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Someone opened a credit card with capital one under my personal information because it appears on my XXXX XXXX. It appears they paying on time but affects me because I dont have a credit card and its unfair someone is using my personal info to use a credit card. Bank is Capital One limit of {$1500.00}. I called bank and states cant find no info so no help can be provided.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bridgecrest Acceptance Corporation (TX)

o The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My student loan shows a period of delinquency when I was actually in an XXXX repayment plan o Im the victim of XXXX XXXX  and I dont recognize one or more of the accounts on my report. 


have attached a copy of my report with the accounts in question circled. ]
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$2000.00}XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

I received an Amex XXXX XXXX. I validated the card and balance using XXXX XXXX XXXX, and was provided a balance of {$170.00}. I attempted to use this card on XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX - all transactions were at least {$1.00} less than the gift card amount of {$170.00}. The transaction was declined on all of the sites. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I am reporting identity theft, as this company has reported an eviction on my background report. I have no knowledge of ever having an apartment or owing any money to any company regarding a eviction. I am making this report to the consumer protection agency to investigate and remove immediately.
Consumer complaint received 2022-09-06
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Additionally, I was never late on this account, balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (PA)

Hello My name is XXXX XXXX. I have an account with US bank relaicard. on XX/XX/20 my debit card was blocked because of suspected fraud. They requested that I send in a government issued ID along with a front and back copy of my social security card, and a recent bank statement. I was told to include my card ID # XXXX on all documents sent. I faxed all of those documents to the fax number provided. I also uploaded those documents directly to reliacard via my US Ban k Reliacard app. I called to confirm if my information had been received, and it had. Fast forward to XX/XX/20, my card was unblocked and I thought all was well until XX/XX/20. My card has been locked AGAIN! I don't have any access to my money and this is the second time that this bank has done this to my account. I don't want to continue having these same problems with this bank. I feel helpless because I can't get through to speak to anyone. Also the wait times are ridiculous only to be hung up on after waiting on hold for over two hours.
Consumer complaint received 2022-09-04
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. (UT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agenecy can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

iN SHORT, THE ISSUE INVOLVES THE MORTGAGE WITH OUR BANK, CHASE. WE WERE GIVEN A LOAN MODIFICATION A FEW YEARS BACK, AND HAD BEEN MAKING THE PAYMENTS UNTIL XXXX OF XXXX. AT THAT POINT, WE BEGAN THE PROCES OF ANOTHER MODIFICATION AT THE BEHEST OF CHASE ECAUSE OF A CLASS ACTION SETTLEMENT. ALSO, THE PAYMENT WAS SET TO GO UP IN XXXX OF THIS YEAR AND NOW HAS, AND WILL AGAIN IN XXXX ( I THINK ) OF XXXX. WE COMPLIED WITH EVERY SINGLE REQUEST THAT CHASE MADE AND WERE DENIED. WE THEN RETAINED A COMPANY/PARALEGAL TO ASSIST US IN THE PROCESS AND WERE TOLD IT WAS DENIED AGAIN. WE ARE CURRENTLY UNDER BANKRUPTCY PROTECTION BUT THE ARREARS IS PART OF OUR PAYMENT PLAN AND WE WERE ABLE TO MAKE THE XXXX XXXX PAYMENT. HOWEVER, THE HOME IS STILL TECHNICALLY IN FORECLOSURE. WE THINK CHASE IS GIVING US THE " RUN AROUND '', IN TERMS OF REQUESTING THE SAME INFO OVER AND OVER AND THEY ALREADY HAVE A FOREGONE CONCLUSION OF DENIAL. ALL WE WANT IS A PAYMENT WE CAN AFFORD. THE LOAN WAS ORIGINALLY OBTAIN IN XXXX AND WE BELIEVE THOSE CIRCUMSTANCES WERE SOMEWHAT SPURIOUS AS WELL.
Consumer complaint received 2015-11-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I am currently a XXXX year old XXXX student at XXXX University. I have my XXXX, and have been working in my field, while trying to obtain a full-time position. I work full-time hours, but only bring in about {$1400.00} a month. Unfortunately, I took out private loans with NJClass at the very young, uneducated ( in terms of loans ), and naive age of XXXX, without realizing the situation I would eventually be in. NJClass is asking me to pay {$1600.00} a month, which is impossible for me. I have called XXXX of times to try and work out some sort of payment plan, but they refuse to work with me. My parents are cosigners, but my dad was laid off last year, and they are already struggling to make ends meet without my loans being a factor. I am not asking for my loans to be forgiven. I am not asking to pay very little. All I 'm asking is for NJClass to lower my monthly repayment to a price that is livable for me until I get a full-time job.