davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hewitt-Capital (NM)

I XXXX XXXX, formerly XXXX XXXX have been contacted by Hewitt Capital LLC a company that claims to have bought my Debt from XXXX XXXX XXXX, who bought the debt from XXXX XXXX XXXX. I did take out this loan from XXXX XXXX and fell on hard times and could not pay the debt on time. I have made efforts to make as many payments as I could with XXXX before they sold the debt. Hewitt Capital in their communications which I have recorded is claiming to be XXXX XXXX XXXX  XXXX but the company name is Hewitt Capital LLC as registered with the XXXX XXXX XXXX. I have attempted to get verification of the debt and was given an email attachemnt with a letter to a previous address that I had stating only the original account number the original creditors name and the amount due. I sent an email return asking for more info in the form of the loan documents to verify. The XXXX has an alert on the company stating they could not provide all the Bonding and exemptions for states they claim to collect in. I also did more research and found numerous consumer complaints of this company and this was why I asked for more verification from them. They still have yet to provide in my opinion adequete proof they are who they say they are. In addition the company has threatened to file suit on me if I do not contact them by the end of the business day which according to them is XXXX XXXX XXXX time. According to the XXXX the company is based in XXXX XXXX but calls to my phone have been from a XXXX number. To this time the company has been bullying and used extreme tactics even though they have only had this debt for a few months. In addition the company has kept extending their dead lines on when they intend to file suit twice so far. If you could please possibly get back to me my number is XXXX with advice or if this company is legitimate. I am very concerned and have only been attempting to protect my self from fraud. lastly I did make an offer to pay the company a minimum of XXXX $ per month in addition to their XXXX $ processing fee and was told they could not accept that amount. They did make the claim they would put in for hardship and make a good reccomendation to the Judge for me. With all the infromation I have so far I do not feel comfortable handing out my information to these people fearing a scam or fraud. Any help in this matter would be greatly appreciated. Thank You and have a wonderful day
Consumer complaint received 2021-07-07
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: Sequium Asset Solutions, LLC (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-06-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

I take home ~24,000 a year. I have a loan costing me {$310.00} per month and a 14 % interest. It's feeling impossible and I feel like I'm drowning between that, cost of living in XXXX, student loans, and everything else. 

Santander refuses to restructure it. They've accepted late payments but they won't work with me on a lower payment and interest. It's killing me. I can't refinance anywhere and I can't sell the car.
Consumer complaint received 2024-02-19
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. (NY)

I have noticed there is inaccurate informations on my credit report. Was a reasonable reinvestigation done property? Please note 15 U.S.C 1666B stats a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose and 15 U.S.C 1681 section 602 A. States I have the right to privacy. I can't buy a new house because of these errors! They need to be removed with 5-30 days per law Or I will be forced to seek more legal council.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The credit bureaus are reporting inaccurate information on my credit report. I have never been late on a payment with XXXX XXXX XXXX and My student loans are deferred therefore I should not have any late payments reporting. Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there.
Consumer complaint received 2021-07-07
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: Grant & Weber (CA)

On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill and the reasons why these items should be deleted. GRANT & WEBER, Account # XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried to get my previous held student loans from XXXX removed from my report. I had other XXXX loans that were removed after I applied for the XXXX XXXX program like they were supposed to be. Somehow 4 XXXX loans remain on my credit report even though all my loans were sold to XXXX and XXXXand are in good standing. I have disputed this information twice to no avail. They refuse to remove it.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (FL)

I have been trying for months to get resolved an account that was opened due to identity theft. 

The original debt was with XXXX XXXX XXXX and I believe Financial Assistance is the one collecting on it. I have contacted the person in charge of the collection and forwarded them a copy of my police report and to no avail they continue to report this debt on my report They are reporting 3 accounts XXXX, XXXX, XXXX. I am attaching a copy of the same police report i sent them in hopes someone can help me get this matter resolved.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (VT)

XXXX charged {$97.00} for a car rental to card on XXXX XX/XX/XXXX, but car rental not used. Contacted XXXX via email and 'phone with no resolution ; put me on hold and then disconnected. Identified this spurious charge to my credit card to Barclays in XX/XX/XXXX. Barclay 's  initially removed the charge, but later re-entered the charge because XXXX said the charge was valid. For over a year I have sent multiple FAX 's to Barclays and several letters all with the same message - if tBarclays is determined that the charge remain on my account then refund the last annual fee and close the account. In Barclays last letter to me, XXXX XX/XX/XXXX they indicated I have to call to resolve this matter. I called on XXXX XX/XX/XXXX and an automated answer indicated no agents are available and then hung up. 
Incidentally, the account balance is XXXX.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I had a checking/savings account with XXXX XXXX XXXX. I overdrafted my checking account and was going to pay little by little in order to pay it back with the overdraft fee, typically a bank gives you 30 days to pay it back without charging another overdraft fee. I paid the bank {$1500.00} but they still sent the report and put it on my credit report as closed with a delinquency of {$2600.00}. My credit score went from XXXX to XXXX due to this, and the bank did not contact me at all. This is horrible and I need to fix it immediately.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I had a checking/savings account with XXXX XXXX XXXX. I overdrafted my checking account and was going to pay little by little in order to pay it back with the overdraft fee, typically a bank gives you 30 days to pay it back without charging another overdraft fee. I paid the bank {$1500.00} but they still sent the report and put it on my credit report as closed with a delinquency of {$2600.00}. My credit score went from XXXX to XXXX due to this, and the bank did not contact me at all. This is horrible and I need to fix it immediately.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

US Bank took the amount for the second installment of my property tax on XX/XX/XXXX and as of today no payment to the county has been made or received. Additionally four ( 4 ) calls to US Bank asking for confirmation and proof of the payment has only resulted in multiple explanations, obfuscations and outright lies of wire payments made the day of the withdrawal from my escrow account. 

They have simply also refused to provide me with even an explanation of where those funds actually went or how they were used.
Consumer complaint received 2022-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

XX/XX/10 I made a listing on XXXX XXXX  for {$1300.00} XXXX XXXX I got an email saying my zelle account was on hold. I had to pay XXXX first. 
She sent me this email XXXX under XXXX Then I got another email saying that I needed to pay an additional {$700.00} for the XXXX XXXX XXXX XXXX as a secure sales tax This is to another account XXXX under XXXX. This was sketchy so I stopped and checked the email was not actually from zelle. But a fake XXXX They also rushed me to pay and asked for more money to test The email asked for screenshots of my payment and then they would release my full payment for XXXX, plus the XXXX, and the XXXX and then give me a bonus of XXXX. 
I checked on reddit to realize it was a scam.
Consumer complaint received 2020-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NC)

On XX/XX/2020, I paid off this debt collection invoice in the amount of {$100.00} to Online Information Services, it was reporting past due on all three credit bureaus. After paying my collection in full with the confirmation # of XXXX Initiated a credit dispute on XXXX, XXXX, and XXXX. As of today, this bill has been removed from XXXX, and XXXX, but I received a dispute complete email from XXXX  stating that the Online Information Services company stated that this was valid and that the status was unpaid. This is incorrect and needs to be corrected ASAP. How can it be removed as paid on 2 out of the 3,  yet on XXXX, they reported it as unpaid? I have receipts, and feel as though this has to violate several regulations in the FCRA, FDCPA.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Capital One.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was notified that XXXX XXXX rolled out a new refinance program for low-income individuals with low credit scores. The program is called : XXXX XXXX XXXX  Its not too late to take advantage of historic low interest rates. XXXX puts a money-saving refinance option within reach for more homeowners. 

With XXXX you can take advantage of benefits like : 1. A lower interest rate 2. Monthly payments reduced by at least {$50.00} per month 3. Savings on up-front out-of-pocket appraisal expenses I called my servicer BANK OF AMERICA and they stated they were not honoring this program. I then called XXXX XXXX and they stated BOA must honor this program since they are the servicer for XXXX XXXX XXXX. 

I called : n : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2018-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

FRAUDULENT DEBT ADDED TO MY CREDIT REPORT BY " XXXX XXXX '' FOR THE AMOUNT OF {$490.00}. " XXXX XXXX '' HAS NEVER ATTEMPTED TO CONTACT ME BY PHONE, E-MAIL OR MAIL BEFORE. 
NO CONTACT INFO HAS BEEN PROVIDED OR AVAILABLE ONLINE. THE ONLY NUMBER I FOUND THRU SEARCHING IS ( XXXX ) XXXX, RECORDED MESSAGE SAYS NUMBER HAS BEEN DISCONNECTED. 
I HAVE STARTED A DISPUTE WITH XXXX   AND XXXX, WILL BE CONTACTING XXXX SOON. 
THIS FRAUDULENT DEBT COLLECTION IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. I WILL BE OPENING A COMPLAINT AGAINST " XXXX XXXX '' WITH THE STATE ATTORNEY GENERAL OF CALIFORNIA AND COLORADO, WHERE THIS COMPANY SEEMS TO BE BASED OUT OF, AND THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I mistakenly missed a payment on my account while I was taking care of an ill parent, I thought I had a handle on all my parents as well as my XXXX parent 's but I missed a payment and it is now showing as 30 days past due and they took the extraordinary step to have it showing on XXXX as not more than 2 months past due. I have struggled for the last 2 decades to repair my credit and this is the only blemish. I have tried multiple times to have HSBC show good faith and assist but they refuse to do so. I have paid off the account but I am not willing at this time to sever my relationship with them.

Please reach out and see if they would be willing to work with me to remove this one issue on my credit. 

Thank you in advance.
Consumer complaint received 2022-03-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (WI)

I lost my job due to the pandemic. I was forced to file for bankruptcy because schools closed, and I could not work. Navy Federal did not take the time to talk to me or look at the entire picture before denying my loan application. I applied for a mortgage loan with Navy Federal Credit Union. Per my bankruptcy, I had to file for my credit card. However, before the pandemic, I had outstanding credit, and I never missed a payment with Navy Credit Union. In their denial letter, Navy Federal states the principal reason for my denial is " poor credit performance with Navy federal. '' They never mentioned my bankruptcy or poor payment history with any other creditor. I had a 100 percent perfect payment history for over ten years. I believe I'm being discriminated against because of my material status, and my income derives from a federal assistance program. I believe I qualify because I have a full-time job, my bankruptcy will be two years old on XX/XX/XXXX, and I've been preapproved by other companies. Also, this is a VA-backed loan.
Consumer complaint received 2021-07-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This issue is with Bank of America Back prepaid, in XX/XX/XXXX I filed a fraud claim regarding fraudulent charges on my debit card and the claim # XXXX, after filing this claim I was told by the representative that I should get my new debit card in 5 to 7 business days, this days passed I didn't get no debit card so I called bank of america to find out why I have not received my debit card, the debit card was never ordered representative told me but there are new charges happened on that debit card that I was told was never ordered and that card number was XXXX and claim was opened claim number XXXX. After a while I received a letter from Bank of American prepaid on XX/XX/XXXX for claim # XXXX stating the Bank of American completed the investigation in my favor and the previously issued credit is now permanent that's on the letter and On XX/XX/XXXX I got a letter from Bank of American prepaid for the 1st claim XXXX and the letter says we have completed an additional review of your case and concluded that our original decision was correct no posting error has occurred on you accound. So claim XXXX 1st letter said claim in my favor and credit is permanent after 10 months later i get the 2nd letter on that same claim XXXX saying claim denied. 2nd claim XXXX 1st letter says claim is in my favor and after 6 months later XX/XX/XXXX I get the 2nd letter saying the claim is denied. so claim XXXX 1st letter says decision in my favor the credit is permanent and 6 month later I get the 2nd letter saying claim XXXX denied.
Consumer complaint received 2017-11-28
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. (WA)

I never gave authorization for this inquiries, and have attempted to get them removed multiple times to no answer, or forward progress XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX
Consumer complaint received 2020-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (CA)

The Original creditor, XXXX XXXX XXXX XXXX XXXX XXXX   updated their reporting software and at the time of payment of a separate account, they weren't able to alert me of a payment I had outstanding. On XX/XX/XXXX, I saw that LJ ROSS and ASSOCIATES placed a collection with all three bureaus in the amount of {$400.00}. I thought this was fraudulence due to  XXXX  XXXX not communicating to me that I owed a debt. As soon as I could I settled the debt with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$430.00}. 

After paying the debt in full, LJ ROSS and ASSOCIATES is still reporting a collection with all three bureaus. I do not have a balance nor do I have an account with LJ ROSS and  ASSOCIATES. This blemish is keeping my score low and will potentially keep me from attaining my ultimate goal of home ownership.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by PNC Bank. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2022-01-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (TX)

My first student loan payment to Sallie Mae was due on XX/XX/2021 in the amount of {$310.00}. I can not afford this amount per month as I am in my first job since i graduated college. I have tried to get ahold of sallie mae on many different occasions and by many different ways of communication. Every time I call, I can not get to an agent because they are always " busy '', even when i stay on the hold line for XXXX minutes. when I tried to communicate with them via their online chat system I went through the automated message system before choosing the option to speak with an agent and again was told that all agents were busy and I should try again at a later time/date. Additionally, in my time chatting with the automated message system, i was told that sallie mae does not offer any type of income based repayment options and only offer deferment for those participating in an internship or residency. This causes concern that I will not have another option, especially considering they are almost impossible to get ahold of regardless of how much they preach that they are there for work with you.