davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

1. I recently requested the information be corrected, to reflect the current status of the account with XXXX XXXX. This account has XXXX balance and is closed as I indicated prior. Current review shows account open with {$2100.00} balance which is again incorrect. 
2. Incorrect addresses are still listed, and Employment need to be removed from file
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (MD)

On XX/XX/XXXX, I received an alert via my credit monitoring company that VANCE & HUFFMAN LLC, placed an alleged collection debt on my credit report. Per the FDCPA, the company failed to provide a written request of Validation and/or contact me prior to placing the alleged debt on my credit report. The company has been sent a letter dated XX/XX/XXXX via Certified mail in reference to this FDCPA violation.
Consumer complaint received 2019-06-03
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. (AL)

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX CARD XXXX
Consumer complaint received 2016-06-03
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc. (VA)

Received a mail offer from SoFi of up to {$98000.00} to consolidate debt. I was preselected to receive up to that amount and maybe more. I applied for less than that amount and was denied. My credit score was over XXXX. 
When I contacted them they only checked to see that I was supposed to receive the offer. They also told me I would have to apply with one of their other companies at higher rates ( bate and switch ). Then on top of that I later received the same type of offer for up to {$93000.00}. 
I am including the offers and looking at the offers I feel they are false advertising and have udaap problems with this type of offer.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (CA)

There are fraudulent inquiries on my credit that needs to be deleted asap. I did NOT authorize nor authorize anyone to submit inquiries on my behalf. I am a previous victim of ID fraud years ago and I am worried about the same situation happening again. I never applied or signed any application. Please delete all of the following : - XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; Experian - XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; Experian- XXXX XXXX XXXX XX/XX/XXXX ; Experian - XXXX XXXX XXXX XX/XX/XXXX ; Experian - XXXX : XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Experian & XXXX
Consumer complaint received 2016-09-29
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BROKER SOLUTIONS, INC. (CA)

Last year we refinanced our mortgage with New American Funding to pay off some debit and potentially drop our mortgage insurance. The beginning of the process was promising but that quickly changed. The loan officer we dealt with was XXXX XXXX, there were many problems with the loan, XXXX being they said they were not going to go forward with our loan after they charged the appraisal fee because our current mortgage company reported we were 30 days late. After speaking with XXXX and XXXX and I believe XXXX other person explaining we had never been 30 days late I had to take matters into my own hands. I printed my own credit report which shows perfect payment history but that was n't enough luckily a wonderful person at the current company confirmed I was correct. XXXX and his team made no effort to fix this simply wanted to call it a day and cancel loan. The loan moved forward, we wanted a fixed loan of course because its common knowledge that ARMS are not always a good idea but XXXX promised that because we were doing business with New American Funding which does everything in house, we would easily be able to refinance again in 6 months at no cost and streamlined into a 30 year fixed and he would personally call us in 6 months to make sure this is taken care of. We trusted him after much going back and forth with him and moved forward. Of course 6 months later we heard nothing, I contacted XXXX who referred me to another officer in XXXX beach because he had been promoted to sales manager or something to that nature. The man in XXXX informed me that what I described is not something they do I would have to do a new refinance which would include all the normal fees and it would n't benefit me so to just give it a year or so. In addition to these problems we also did n't receive the same amount of cash promised at closing and when I began asking questions I was told " it will all shake out in the end '' I will get additional funds in the mail from escrow, XXXX of course nothing ever came. This was our first time refinancing and am sorry this was such a horrible experience and feel as though we were taken advantage and probably was told anything to keep us going so he could meet a quota, after all he did get promoted very shortly after our loan closed. We are now forced to refinance again to make sure we can keep our rate low and locked due to our income and pay thousands more that we truly do not have. I hope others can learn from our situation and New American Funding can enforce integrity as well as better customer service with their loan officers.
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Hello, I had recently applied for a mortgage with Pentagon Federal Credit Union. This experience I do not with upon anyone. Started my research by looking for a XXXX % down product with Pentagon Federal had.. I called in on XXXX XXXX with XXXX XXXX who had explained the product to me in absolute clarity ... He said it is a XXXX % down with a XXXX ARM first mortgage and a XXXX mortgage a 15 year loan fixed@5.99 %. The credit score requirement is XXXX on the XXXX mortgage. So I was super excited and applied for a loan ( BTW i had a personal loan with penfed which i paif off in full ). Once I applied I received an email from an XXXX XXXX ( loan officer ) and she properly introduced her self and asked for all of the documents needed. I went ahead and submitted all that was required of us ... Then I had to keep bugging XXXX and asking where is the pre approval? She said I am working on the XXXX mortgage but I have the approval for the first. So I kept asking for a time frame and I got nothing back. Then all of a sudden I have a new loan officer XXXX XXXX and she said from here on she will handle my file with an underwriter named XXXX. What happened to XXXX? Well XXXX just does the initial portion of the process. Same thing this whole back and forth ; then I was asked for my XXXX 's and pay stubs and my wife 's XXXX 's as well ... I went ahead and re faxed it, this was the second time. XXXX and XXXX claim they never got it.. Now they keep asking me for information. On top of that XXXX says we can no longer offer you the ARM it now has to be a fixed mortgage because of your DTI. It took them over a month to figure it out and in the mean time nothing re : the XXXX mortgage. I then had an opportunity to speak to XXXX and explain how long ago my short sale has been out there ; I mentioned it has been 4.5 years. I asked her does she need supporting docs for the short sale and she said no. At this point I am still waiting. And all of a sudden XXXX is back now and she is handling the loan process. Again she is requesting the XXXX which I think they lost ( XXXX our info is floating around ) ... Then on XX/XX/XXXX I got an email from XXXX that there was a decision and the letter is attached and she would call me to discuss ... It was a decline letter due to my short sale that occurred on XX/XX/XXXX which she knew about. I emailed her before the long weekend and left her a VM and got nothing back. At this point I sent another email and did tell her I am upset and will be filing a complaint with CFPB. I had also emailed a complaint to PENFED directly and heard nothing back. Either they are n't very good at handling loan files/ or do not know products/ or do not know underwriting or just plain ignorant. I have never seen anything like this and i am in the industry ... I do n't wish this on my worse enemy.
Consumer complaint received 2022-02-16
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. (FL)

I have disputed several unknown inquiries with Transunion-XXXX on several occasions as they have not complied with my requests. I've also contacted their fraud department and made a complaint with negative results. I further believe my identity may have been compromised as I do not recognize these companies.I want these inquiries deleted immediately. Lastly Transunion failed to forward me the results of their investigation as required by the FCRA. I am extremely disappointed in their failure to comply with the law. There are several inquiries that I do not recognize. Please see the following unauthorized inquiries : TRANSUNION XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (IL)

Experian closed my complaint without investigating. Experian is reporting 3 inaccurate accounts on my credit report. I provided factual reasons why these accounts should be deleted. Please see below : 1. THE ACCOUNT IS LISTED AS AN OPEN CHARGE-OFF AND REQUIRES DELETION FOR INACCURACY XXXX XXXX Account Number : XXXX DELETE FOR INACCURACY ITS IMPOSSIBLE FOR A CHAGE OFF TO BE AN OPEN ACCOUNT 2. THIS CHARGE OFF ACCOUNT SHOULD NOT HAVE A BALANCE PLEASE DELETE FOR INACCURACY XXXX XXXX Account Number : XXXX DELETE FOR INACCURACY CHARGE CANT HAVE A BALANCE DUE, AND THIS ACCOUNT HAS BEEN REAGED WHICH IS A VIOLATION 3. THE ACCOUNT IS LISTED AS AN OPEN CHARGE-OFF AND REQUIRES DELETION FOR INACCURACY NATIONAL CREDIT ADJUST Account Number : XXXX DELETE FOR INACCURACY CHARGE OFF ACCOUNT SHOULD NOT HAVE A BALANCE NEITHER SHOULD IT REPORT AS AN OPEN ACCOUNT
Consumer complaint received 2023-03-28
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)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
I
Consumer complaint received 2017-02-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: State Collection Service, Inc. (WI)

I have requested several times that this company send me formal debt validation. I am allowed under the Health Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third party parties, I did n't give permission to any of my current or prior providers to release any medical information to this third party. Please also note that withholding that information that was received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA.
Consumer complaint received 2016-10-12
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: POPULAR BANK (NY)

This is my third complaint since I opened an account with ELoan ( three months ago ). The issue is with the interest that is compounded incorrectly each month and then transferred into my outside account. The interest for XX/XX/XXXX and XX/XX/XXXX was corrected in XX/XX/XXXX and documented in a letter to me from XXXX XXXX ( Customer Care Popular Community Bank ( no phone number or address on the letter ). The current issue is the XX/XX/XXXX interest which is short. I ca n't imagine any reason why a bank ca n't calculate the correct interest on an account unless they have their computers set to defraud their customers hoping they wo n't become aware of the discrepencies. XXXX XXXX informed me in his letter that I could not close the account ( the best resolution to the matter ) unless I accept the applicable penalties.
Consumer complaint received 2019-06-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (CA)

My name is XXXX XXXX and on XX/XX/19 at XXXX pacific standard time I had a field agent as he described from Flagship Credit Acceptance come to my door to speak to me about my vehicle. I currently was not home as I was tending to a family emergency. The individual was able to contact me through my intercom as it is linked to my cell phone. We exchanged phone numbers and he then called me at XXXX which is again well before XXXX the legal time to call or visit me at my place of residence. 

The field agents name was XXXX, very kind but he did break the FDCPA when he came to my place of residence at XXXX. He dialed from what i assume is his Cell Phone. 

I have been trying to refinance my car because the interest rate is to high and I have tried to lower my payments and have been denied. Flagship Credit Acceptance has violated the FDCPA when the agent came to my door this early and had me panicked. Something needs to be resolved as I know there are stiff penalties for this type of violation. Please look into this matter, if it is happening to me, its happening to others. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2016-08-16
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (NJ)

My total monthly payments are not accounted for towards the overall total amount I owe. I make a $ XXXX monthly payment, but the overall total amount is only {$300.00} ( give or take ) less from the previous month. When I called the debt collection agency ( EOS CCA ), I was informed that once my payment is made, the payments are directed to XXXX to be allocated amongst the loans and that XXXX is probably charging an additional 7 % daily interest rate ( yes, a 7 % additional daily interest rate ). When I called XXXX to verify how XXXX is allocating the monthly payments made, as well as, if XXXX was in fact collecting an additional 7 % interest on my overall amount. XXXX informed me that any questions that I had regarding my debt and how the payments were split among each loan, would need to be addressed with EOS CCA, because EOS CCA handles all the payments. XXXX informed me that they only receive a monthly statement of the overall loan. 

In XXXX XXXX, I requested from EOS CCA to send me an overall payment history from XXXX. The total amount of payments I had made up to XXXX XXXX, amounted to {$59000.00}. I was never given an overall total amount when I first was placed in collections, however, I believe the overall total amount that I owed was {$130000.00} ( give or take ). As of XXXX XXXX, even with my total overall payments from XXXX XXXX XXXX amounting to {$59000.00}, the overall total amount that was owed as of XXXX XXXX was {$100000.00}, which means only about {$24000.00} has been put into my total overall amount owed. 

When I had asked EOS CCA where the remaining {$34000.00} was and why all of the monthly payments was not fully accounted for, that is when EOS CCA referred me to XXXX and XXXX referred me to EOS CCA. 

Just as an FYI, I have kept every monthly payment reminder that I receive since being placed in collections ( except from XXXX XXXX XXXX which those payment reminders have been lost ). In XXXX XXXX, EOS CCA started to include the overall total amount that I owe, with a breakdown of each individual loan principal amount, individual interest, individual collection fee, and individual overall balance, which amounts to the total overall amount of what I owe for everything. Aside from that, there is no other documentation or summary that may explain where the remainder of my monthly payments are being distributed into.
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I had a credit  card with Capitol one that  I p aid off every two we eks to build my credit. On  XXXX   XXXX   XXXX  I went into the hospital to   XXXX   XXXX   XXXX  . I  XXXX   XXXX  times. I was  XXXX   XXXX  time. I   XXXX   XXXX   XXXX   and needed  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and my family was told I was n't going to make it. Then I was airlifted to another hospital where I spent over a month getting   XXXX   XXXX   XXXX   XXXX    XXXX . After they came back and I was released it took months after being in the hospital to get as close to with it as I can. In  XXXX  of  XXXX  I paid my credit card off in full. They told me they had closed my account and I was unable to use my credit card anymore. I felt so discriminated against because of my health issues. I tried to work with them but they turned me away. I am currently filing f or SSI and have documentation to prove all stated in my letter here to you. I would like my credit card updated. Closed from consumer, and all delinquencies removed. I appreciate your time in this very important matter and hope to get a response soon. Thank you Sincerely
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Recently I've viewed my credit report & noticed inaccurate information reporting. I reached out to all XXXX credit bureaus, XXXX, Equifax XXXX XXXX to correct the inaccurate information reporting nothing was done & I did this twice & no updates of any kind. Today I decided to escalate it with making 2 complaint .1 with the FTC & a other one with the CFPB. This matter can't continue. NEED HELP SOLVING THIS ISSUE.
Consumer complaint received 2022-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

XXXX is alleging i owe a total balance of {$64000.00} on my home when in fact i only owe {$37000.00}. Ive called and spoken to many agents and was told I got a loan modification. I never agreed to or knew about a modification to my loan and after further review the agent PLS XXXX stared she does not see anything showing a modification or paperwork showing A modification in her system. I have called multiple times to get any type of paperwork showing the modification and terms where the other {$27000.00} is coming from but no one including the supervisors have been able to tell give me any info.
Consumer complaint received 2015-10-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rocky Mountain Service Bureau, Inc (WY)

I have been making payments to the hospital of XXXX XXXX for a couple of years. When they sent me to collections. I have since paid the hospital in full, however the collection agency in now sueing me for interest and court costs. Going to court XXXX/XXXX/2015 at XXXX.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

After numerous attempts to explain that my payment must be processed via ACH, not echeck, Citicards again requested an echeck, then charged return check fees, late payment fees, and interest. I provided accurate account information and have a letter of support from my bank requesting that Citicards reevaluate these fees and provide a refund.