davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (FL)

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-06-09
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: MNE Services, Inc (IN)

I was contacted by Star Cash XXXX XXXX at a time i was desperate for money. They told me they would grant me a loan but my credit score was bad so i would need to XXXX XXXX {$200.00} as a deposit.They said the loan plus the {$200.00} would be deposited in no more than XXXX minutes.They told me that if I received a phone call from anyone to tell them i received the money from a friend to avoid extra charges.After sending the money I got a phone call like they said I would, I was told that there would be an additional charge of {$310.00} .This is supposed to be some sort of tax because the money was sent out of the country XXXX.The man at the loan company called me back and was irate with me for giving his phone number to them but told me to send the extra {$310.00} and they would cover that amount also PLUS THEY WOULD GIVE ME AN EXTRA {$100.00} for my troubles.I did not send any more money.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC (MD)

XXXX XXXX XXXX XXXX XXXX {$10.00} per month since new issuer took over from XXXX XXXX  to Continental Finance After the XXXX {$10.00} charge, which I attempted to pay was declined by CONTINENTAL, I called to request an explanation which they could not satisfactorily provide. I attempted to pay the {$10.00} again, but they did not accept it. I called again to complain, and told them that I never agreed to any new servicer that would be assessing monthly maintenance fees on silent, unused accounts. I asked for my card and account to be closed. Since then, despite not making any purchases on the card AT ALL, I have been charged fees amounting to {$60.00}. I'm on the phone with them AGAIN asking for the appropriate action. The fees have adversely affected my credit report. I don't know what else to do!!!
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 2015-12-02
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: STATE FARM BANK, FSB (OR)

This is State Farm XXXX. Can you helpI handed XXXX XXXX {$40000.00} to put in to a saving account in XX/XX/XXXX to go with my life insurance so my son would get it if I die. I have Close all of my account with state ( for all of Lies ) as XXXX But for some reason He keeps giving me the run around and will not give me back my money. Every time I call him or his office they tell me it is going to take 7 days I do n't think he planning on paying me back
Consumer complaint received 2022-02-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MEI AUTO FINANCE INC (TX)

I have a biweekly payment of {$220.00} ; whenever I go past a day or two of being late, my references as well as my self are harassed with calls from morning to night, as well as emails up until the day I make my payment. They have disable my car after about 5 days after the due date on a couple different occasions. I was lied to about there not being extra fees on the car and was only supposed to be paying $ XXXX, which ended up being $ XXXX because of extra fees they charge me for not having full coverage. Since when does a car dealership charge you fees for not having full coverage? They already lied to me stating my insurance was through them and that I didnt need any liability or anything, just for me to get pulled over by a cop who then explained that I had GAP insurance, not actual insurance so I ended up having to pay a hefty fine. Considering refinancing, SUPER unprofessional.
Consumer complaint received 2015-11-30
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC. (TN)

I purchased a house about 5 yrs ago and in doing so I took out an FHA loan at which I was told would protect me in not buying a house with problems, that the FHA loan will make sure everything was on the up & up. Since I been in this house the roof has been leaking as well as the pipes rusted and bad the structure of the house is off. I have had my insurance company look at the house and they wo n't do nothing cause the say it was already there, I feel I was unfairly informed about this house being that I was a first home buyer. I was told differently about this house from the seller when buying.
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CT)

On XX/XX/XXXX I wrote a letter to Santander board of directors and management team letting them know that they are reporting and attempting to collect an alleged {$16000.00} deficiency balance. I told them that I am disputing the legal validity of the alleged deficiency balance. I also told them that they are attempting to collect a deficiency balance that I am not obligated to pay. They have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. I told them to cease and desist all collection activity, including all credit reporting. I also requested the deletion of all any credit reporting to credit reporting agencies. I told them to write or email me to confirm their compliance with my demand within 14 days. As of today XX/XX/XXXX. I have not receive any correspondence or communication from them. 

Also Santander settled a class action lawsuit with over 34 different states and part of that settlement was for them to delete erroneous inaccurate information from of the customers they took advantage of, credit report. I am one of those customers. As of XX/XX/XXXX Santander is still reporting erroneous inaccurate information on my credit report. Please see details of the class action lawsuit settlement here https : //santandermultistateagsettlement.com/Home/portalid/0 Santander continues to violate the fair credit report act even after the consent order you issued against them back in XX/XX/XXXX https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/
Consumer complaint received 2019-05-28
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 10 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (ID)

I filed a billing dispute with American Express for XXXX fraudulent charges on my American Express Charge cards. The dispute was American Express Dispute # XXXX for {$2000.00} against the merchant XXXX, the second dispute was American Express Dispute # XXXX for {$2000.00} against the merchant XXXX. XXXX committed fraud against me for over {$12000.00}. I submitted documentation and evidence that XXXX had committed Fraud, and breached the contract that I had entered into with them. XXXX had failed to deliver on the products promised. American Express failed to give me reasoning as to why they would not dispute the charges with XXXX
Consumer complaint received 2022-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (IL)

I admittedly over extended myself with this loan they kept offering to re write the loan so I could pay some get caught up and extend the payment I can not afford it I have asked for a reduced payment or some kind of work out, they always tell me that I have ti bring a full payment which I can not I am willing to pay but XXXX calls me multiple times a day he has called me a XXXX, threatened to come to my house and work. I have at times told hi I would bring money but cant bring what they are asking for so he says no that wont work. Today I got a letter in the mail from an attorney which I plan to call and work out something if I can, but XXXX called me again yelled at me said I was lying and said he would see me in court. Oh and then he told me how much he would be taking out of my paycheck, I really need this harassment to stop but he wont I am afraid to even take any payment in there or have contact with him. I just need help so this harassment is affecting my home life as well as my work life.
Consumer complaint received 2020-06-01
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. (NJ)

I HAVE LATES AND CREDIT INQUIRIES THAT DONT BELONG TO ME. PLEASE I WAS SICK I CALLED XXXX THEY SAID THEY WOULD UPDATE I HAVE SEVERAL INQUIRIES FROM XXXX  XXXX XX/XX/XXXX XXXX  XXXX CARD XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax aLL ABOVE IQUIRES ARE NOT MINES
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

I consolidated my XXXX XXXX student loans when I entered XXXX XXXX. At the time I was not notified that loan consolidation would or could disqualify me for XXXX loan forgiveness. 
Due to hardship I placed my loans in forbearance and of course the interest piled on. Forebearance nearly doubled my student loan debt. 
Several years later, a fellow XXXX told me about the XXXX forgiveness option. I submitted my papers and received a letter from Navient telling me my consolidation disqualified me for the forgiveness program. 
The only time XXXX XXXX or Navient has ever contacted me was when I was late on a payment. 
Not one representative bothered to inform me of available resources such as XXXX forgiveness programs or better repayment options than forebearance I have been paying my loan for years and since the loan balance never seems to budge, I will still be paying when I retire. 
Dissatisfied and disgusted! 
XXXX
Consumer complaint received 2015-08-07
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Exeter Finance, LLC. (CO)

I visited XXXX in XXXX, CO and was looking at cars. They let me know that they were running a credit report to see what loans I qualified for. I let them know that I only would allow one company to run the report ( XXXX ) and they agreed. They did not tell me that other companies would be running a credit report to give me loans and I specifically told them that I did not want my credit run through finance companies I did not approve of. I was unaware and did not give understandable permission for this company to run a credit check on me. I was pressured into running a credit report when I did not want to because I was a first time car buyer and unaware that when XXXX ran the report it would go through numerous agencies. They did not clarify and tricked me. I think this is unfair in that it affects my credit score negatively.
Consumer complaint received 2015-09-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch (MD)

I requested a detailed verification of a debt I was not familiar with. I sent the letter and was sent a response that was not sufficient for me to be able to identify if the debt actually belonged to me. I did not get any satisfactory answer after their initial response.
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (AZ)

XXXX XXXX, a cell phone provider, inaccurately reported to the credit bureaus, a cell phone account balance in the amount of {$89.00}, that belonged to somebody else. XXXX XXXX agreed to remove the negative credit item from my credit reports in XXXX, XX/XX/2014. The representative for XXXX XXXX was XXXX, Badge # XXXX, who I spoke to at XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX did in fact delete the original credit item in XXXX, XX/XX/2014. Please refer to the XXXX dispute results, dated XXXX XXXX, XX/XX/2014. However, XXXX XXXX reinserted the previously deleted information through Pinnacle Services Credit Services, LLC in XXXX, XX/XX/2014. Please refer to XXXX report # XXXX, dated XXXX XXXX, XX/XX/XXXX This action taken by XXXX XXXX one month later violated our agreement that the disputed cell phone account was not mine. Pinnacle Credit Services , LLC has responded to me that they do not delete inaccurate, previously deleted credit items. XXXX XXXX, to date, has refused to voluntarily correspond with me regarding this matter. 
I have suffered personal damages due to being denied credit during this period of time. These damages are a direct consequence of XXXX XXXX ' civil tort against me, by inaccurately reporting negative credit information, agreeing to delete the inaccurate credit information, and then subsequently having Pinnacle Credit Services , LLC reinsert the negative credit item under my name. Pinnacle Credit Services , LLC is also liable for unlawfully reporting the previously deleted negative credit item under my name, and failing to remove it voluntarily. 
I request that CFPB investigate this matter thoroughly, and penalize these offending parties for not acting justly, and in good faith, to restore my good credit, and failing to abide by the terms of our agreement.
Consumer complaint received 2015-06-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (VA)

wells Fargo has denied my application for a cheaper payment, citing my cosigners income as the reason. My cosigner is actually in dire straits himself and is in the process of filing chapter XXXX. I ca n't keep making the payments they want ( 35 % of monthly income ), I do n't have the money to pay what 's past due, I ca n't adjust the payment amount and I ca n't ask my cosigne for money. I have no options and it terrifies me
Consumer complaint received 2024-05-12
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: Lockhart, Morris & Montgomery Inc. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX  Lockhart and morris mont, 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 agency can not furnish an account without my written Instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.I tried yo buy a house I realize this was on my credit report and it is deformation to my character.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

I am writing to formally dispute the reporting of alleged debts by Navy Federal Credit Union to the national credit reporting agencies ( XXXX, XXXX, and XXXX ), which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit report, I noticed that Navy Federal Credit Union reported debts in the amounts of {$8700.00} and {$7300.00}. These amounts were inaccurately classified as debts when, in fact, they have been filed on my income tax return following the guidelines of IRS XXXX XXXX. According to the IRS, a XXXX form represents canceled debt which is treated as income, not a debt obligation by the debtor.

Under the FCRA, I am entitled to dispute any inaccurate or incomplete information in my credit report. The FCRA ( 15 U.S.C. 1681s-2 ) obligates furnishers of information to credit reporting agencies to provide accurate information. Reporting income as debt violates this obligation. 

Additionally, the FDCPA prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Misrepresenting income as a debt obligation is misleading and can be considered a violation of the FDCPA ( 15 U.S.C. 1692e, 1692f ).

To this end, I have previously submitted proof that the amounts reported are indeed income, as per the IRS 1099-C guidelines, and not debts. Despite this, the erroneous reporting remains unchanged, which has adversely affected my credit standing and may constitute defamation of my financial reputation.

I hereby request that Navy Federal Credit Union : Immediately conduct a thorough investigation into this matter.

Remove the erroneous entries from my credit report with all three credit reporting agencies.

Provide me with written confirmation of the removal and any corrective action taken.

Ensure that such inaccurate reporting does not recur in the future.

Please find attached copies of the relevant documents, including the IRS guidelines regarding Form XXXX and proof of the filed income, to support my dispute.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I sent back paperwork to have my loan modified due to a forbearance for XXXX. It hasn't been done. I need this done to be able to get the " late '' notices stopped, make normal payments online, have my escrow reconciled and get a credit back for my taxes XXXX. 
I sent this paperwork back to XXXX on XX/XX/21. I sent it back to XXXX in the envelope provided me by her via XXXX. I don't have my original documentation anymore, due to this.
Consumer complaint received 2016-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I attempted to file bankruptcy ( chapter XXXX ) in XX/XX/XXXX which did not go through. the property was foreclosed upon while I filed bankruptcy ( chapter XXXX ) in XX/XX/XXXX. The bankruptcy was finalized in XX/XX/XXXX, but my name remains on the title excluding me from refinancing my current home.
Consumer complaint received 2024-04-16
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. (SC)

This account was charged off on the following date [ XX/XX/year> ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : [ XXXX XXXX XXXX XXXX  ] [ XXXX ]
Consumer complaint received 2024-04-16
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX and XXXX account # 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