davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (FL)

XX/XX/2020 Loan Company Credova Financial LLC, ( online loan application sent for approval. Came back approved for XXXX take to the store for your purchase of product ). 

Online/Credit Report states : Monterey Financial Services Got inside the desk clerk stated said that yes you are approved I said I  wanted to put XXXX down so I will not have to pay a lot of money on the loan because I don't have a job. Cordova do not ask you about employment information only bank account information that is how you get approval. When I called Cordova to talk and explain to them they hold on let me get you over to Monterey. I explained to them but I filled out the online application with Cordova. It looks like Cordova is the cover for Monterey Financial somehow. The Consumer reviews list 135 reviews with a 1 star with the same issue they fill out loan with Cordova then they come back with leasing information when we ask for a loan not leasing. I called and tried to explained that I did not have job that was money I was saving up and wanted  to help local stores and my XXXX by losing XXXX family members due to XXXX the lady responded well you should have thought about that before you used it on a puppy. She did not hear me say that I was elderly and needed a companion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX for XXXX XXXX DOB XX/XX/2020 believed to be a toy but puppy is already out of toy range will be full grown Yorkie. Price XXXX+puppy pack150+taxes XXXX. If I want to buy the puppy out right XXXX XXXX +applicable fees or taxes.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MA)

Today I called Rocket Mortgage to make sure going forward to XX/XX/XXXX they mark my account to only put payments towards Principal since this I don't owe any monthly payments till then. This bank seems to collect money on interest that didn't happen yet. I have been paying $ XXXXweek automatic payment from my bank. Rocket Mortgage only has an option of paying monthly or biweekly so therefore in order to make sure my payment gets there I make sure to have in place an automatic withdrawal the day I am paid so I don't overspend. 
On multiple occasions I have called in to Rocket Mortgage and they have magically put in the computer to put all money sent to them into Principal only until I hit the date my mortgage is due which usually is several months in advance. Since inception I have paid weekly paying more than I need to pay each month. Instead of having the extra go towards principal they stick it towards the next payment. When doing so I have been paying months of payments ahead of schedule and the bank has been keeping the interest. If I don't owe a mortgage payment till XX/XX/XXXX why in XXXX did they collect interest on XXXX, XXXX, XXXX & XXXX BEFORE it has happened. These banks are collecting interest when all additional $ $ should be going towards principal. Because their app and website only has 2 week and monthly options people like me that get paid every week do not have the option of sending weekly unless they go thru their local bank. I am sure if you look back Rocket Mortgage has collected lots of interest they didn't earn. All previous occasions the bank was able to have all money go towards principal until now. Very upset banks get away with this. They should be held accountable for collecting interest and making money on us. If you look at my attached bank transactions I called to them on XX/XX/XXXX and asked that they make sure all payments go towards principal since I was ahead in payments until my next payment that was due XX/XX/XXXX and did it again on XX/XX/XXXX till I owed a payment on XX/XX/XXXX check my attachment I highlighed in yellow!
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (FL)

I received a letter in the mail from a credit agency ( XXXX  ) stating that I have a dept from regions bank and I needed to pay the debt collector. However I do not bank at Regions Bank nor did I have an account with them. Someone has stolen my information and opened and account on my behalf without my permission or knowledge, this is fraud
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WA)

Applied for a credit card, was denied. Checked credit on XXXX and found " XXXX XXXX XXXX  ' for XXXX XXXX in the amount of {$350.00}. I had an account with XXXX  in XX/XX/2007 - but it was closed. 
I have no idea what these people want after 11 years.
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AK)

On XX/XX/XXXX I submitted form 1845-0110 Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification and Application ( file attached ) to MOHELA, my current student loan servicer. I expected to hear back from them in XXXX days. On their website my application shows a status of " Processed '' and that they received my application on XX/XX/XXXX. On XX/XX/XXXX I called their PSLF customer service line, and after XXXX minutes on hold, I was told that my application was denied because of " missing borrower signature ''. As you will see, my signature is clearly present in the submitted application. Further frustrating, is if they were denying my application for a mistake on the submitted form, why wouldn't they contact me to let me know that my application was denied? After further conversation with the trainee assigned to assist me, he tells me that I need to submit an identical copy of the cover sheet with section XXXX and section XXXX to go along with each section XXXX and section XXXX. I was assured that this would solve my problem. I will be submitting this to MOHELA after I finish submitting this complaint.
Consumer complaint received 2023-03-27
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. (PA)

Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I was unaware and did not give permission for my information to be shared. I ask that you please REMOVE the accounts listed below and update any payments that are listed.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

for 2 years i have been trying to contact trans union to fix my report. they have that im deseased on my credit report witch made it imposible to open a bank account, get any loans, or even worse getting my own place. i been living with a friend cause anytime someone dose a credit check on me i come up deseased and get denied, this has been very stressful for me and has made it hard for me to live a normal life for 2 years. i cant get my taxes back until all this is fixed. can you please tell me what i need to do to get my life back and live a normal life
Consumer complaint received 2022-06-17
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # 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 states a consumer reporting agency can not furnish a account without my written instructions.,
Consumer complaint received 2020-06-25
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: EQUIFAX, INC. (OK)

There has been a derogatory remark on my account in credit reporting agency like XXXX, XXXX  and equifax. The truth of the fact is I did borrow money from the department that reported that. I am a service member and I have a GI Bill to use while I was going to school in New York. According to VA they claimed they have overpaid my book stupends by {$120.00}. This is their own negligent if they have overpaid and should not be tempering with my hard earned credit. My credit is valuable to me so I make timely payments on all my debts. I have contacted the credit reporting agencies about inaccuracy of their data because they indicated I have four months missed payment but in their comment box they stating I am infected by natural disaster. Well, I am from New York so I am affected by COVID19 during those times missed payments was noted. This sound like a conspiracy to destroy my credit. {$120.00} can not destroy someone who have over {$300000.00} debt but make my payments on time. Why would you report 4 months missed payment on the account which was just reported on XX/XX/XXXX to your agency. If VA would not find competent people to work for them, they would call me to notify me instead or mailing they claimed they did but I never received any mails from them. Post office was shut down and mails was taking longer to reach us during pandemic and up till this time it is still slow. This is an incompetent debt collector because every debt collector will call.the consumer. I will attach the mail I received on XX/XX/XXXX dated XXXX XXXX about them reporting above amount to credit reporting agency. My issue is why would they note 4 months missed payments but I am affected with natural disaster right. Stop tempering with consumers credit score because it is making living hard. One could loose their job because those little mistakes you do.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

I went into the TD bank XXXX in XXXX fl I went in desperate to get a new bank card due to the fact that there was fraud going on in my account the gentle man was being rude and said oh no I cant give you a card because your Id XXXX XXXX XXXX XXXX XXXX I need to use my money I left very upset told him he was being an XXXX and didnt want to help me I went into the drive thru of the same bank and the gentleman helped me out with my ID expired he still gave me 100 $ out of my account the next day I tried to use my bank account and it was on hold apparently the manager XXXX XXXX had put the hold on my account she took the time to dig into it once I left to get back at me she put a hold on my account and said I had a previous account that I owe XXXX I gave birth XXXX on the XXXX I callled and put my account on a credit status not having a lot of money but had no choice if I didnt pay they wouldnt release the funds its now XX/XX/XXXX still not able to use my money and I allready payed the money I called the branch because the recovery team told me they are the only ones who can remove the hold spoke to XXXX XXXX again and she told me shes the one who put the hold because of how I was rude with teller I said how can you do some like that shes like you want me to help you or not? Over the phone then she stated she will call me back once she found out whats happening now my water has been disconnected due to non payment because Im not able to pay because my account its been on hold this has cause me such a frustration and my kids not having water to shower its been crazy with a new born I dont think this is how people should be treated at all!
Consumer complaint received 2022-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

With my previous mortgage servicing I was under the forbearance plan, my loan was then sold to community loan. it has been a struggle to get any communication with them. In XXXX I signed and returned my loan modification documents at the end of my forbearance plan, by signing this documents I was agreeing to the terms being provided to me, and I agreed that I would be able to make the monthly payments. My first payment ( {$1300.00} ) under this agreement would be due on XX/XX/22. upon logging into my account to make a payment, I noticed the amount due did not match the the payment ( {$1500.00} ) agreement I signed on the loan modification document. I have tried reaching out via emails, and phone calls and never get a response.
Consumer complaint received 2020-05-07
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. (VA)

I sent a letter to Experian on XX/XX/2020, to the address listed on their website ; XXXX. XXXX XXXX, XXXX, TX XXXX. The letter was to address unauthorized inquires that I did not give a creditor, finance company or car dealership permission to pull my credit. I in fact gave them a new 3 bureau credit report listing all my scores for each bureau, including every credit model available. I have not received any response, therefore my attorney advised me to call Experian, which I did today, XX/XX/2020. I spoke to a Representative that told me I did not have to give them permission or authorization to pull my credit report, that inquiring about a vehicle and providing them my personal information gave them all rights to pull my credit and that my signature or authorization was not necessary. I explained I had no choice than to file a complaint, therefore I wanted to be clear, and asked her to repeat this information so I was sure I understood correctly and she confirmed once again. I asked to speak with a supervisor and she would not transfer me for further help. In turn, I spoke to my attorney and he advised me to file this complaint. 

The following creditors did not have my authorization, direct written or verbal consent to pull my credit. I specifically advised the internet sales representative over the phone and confirmed they understood my request, and they agreed they understood. I never went to the dealership or provided any signed application or documents other then my credit report and a current paystub. Later I come to see they had my credit pulled 9 times without my authorization and consent. In my letter I specifically ask Experian to provide proof I consented to the 9 inquires listed below via FCRA section 609 and 605 as well as the accuracy of the 9 inquires mentioned via FCRA 623. If Experian has no proof of one or any, I would like them removed immediately from my consumer report. In addition, I ask Experian to please provide me with the " method of verification '' that their employees/staff used to verify and validate each of these inquiries : ( 1 ) XXXX XXXX XXXX on XX/XX/2020 ( 2 ) XXXX on XX/XX/2020 ( 3 ) XXXX XXXX on XX/XX/2020 ( 4 ) XXXX XXXX XXXX XXXX on XX/XX/2020 ( 5 ) XXXX XXXX XXXX on XX/XX/2020 ( 6 ) XXXX XXXX XXXX on XX/XX/2020 ( 7 ) XXXX XXXX XXXX on XX/XX/2020 ( 8 ) XXXX XXXX on XX/XX/2020 ( 9 ) XXXX XXXX XX/XX/2020 - 2 separate inquires from this finance company. 

I appreciate any assistance with this matter.
Consumer complaint received 2023-09-10
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: EQUIFAX, INC. (GA)

Ever since XXXX  and the ending of XXXX  before establishing my self owned business and investments I also filed my taxes and was overwhelmed by credit report. Stolen passport, medical fraud, mail fraud, social meetings to belittle my character and invasion of privacy. Bank fraud, wire transfer fraud and want the phony people put away
Consumer complaint received 2024-12-09
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

Macys credit card, decreased in credit line after approval and payments were met. Macy 's credit Denial to disclose any information of decreased yet keeps hitting my credit for denial. Causing my utilization rate to become higher than what I was qualified for. Also not given the points in which I earned. 
I requested information regarding my credit decreased and was denied. 
I Call multiple times for assistance and was still denied any reference number and refuse to open the case on my behalf. 
I would like to put out a grievance on Macy 's credit card for fraud waste and abuse on this company, and requested to have card close in any of my personal information sent to me as requested.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX  ( Original XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00}
Consumer complaint received 2022-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MT)

I was the victim of a scam for purchasing a piece of heavy machinery. I wired {$27000.00} from my bank account at XXXX XXXX to an account at PNC Bank. I talked to an agent at PNC Bank and they said they couldnt do anything about it.
Consumer complaint received 2022-06-17
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. (NV)

i filed a complain this past month regarding a company that has been reporting false data to Experian. 

this company uses the same account number, but has different names for branches of its companies. 

this company was reporting these accounts as charge offs from i believe in 2016, but then also listed them as having past due amounts. 
Experian responded and appeared to have deleted one of these disputed items, but in printing out the report, it did nothing.

this violates the FCRA.

Experian must PERMAMENTLY DELETE all information that has be falsely reported, instead, it sends a boiler plate response, makes it look like it has deleted the item, but really has only " updated '' the date from when I dispute. 
They are doing NOTHING to follow the FCRA laws
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (TX)

EXETER FINANCE XXXX XX/XX/2021 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2019-05-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

Experian : I have disputed multiple times with this company to validate a claim regarding XXXX XXXX XXXX XXXX. The dispute comes back the same each time despite the fact I have no account with this company, nor have I ever had an account or contract. They are claiming money for services never rendered, nor can they prove such services. 

Months after I moved out of XXXX XXXX, apparently their client, they tried to submit a claim stating I owed them money for Air Conditioning coils. It's absolutely absurd as I have nothing to do with their maintenance of the apartment. I disputed this and Experian will not properly validate this erroneous claim by XXXX XXXX XXXX XXXX. It was taken off my XXXX report but not Experian. This has adversely affected my ability to purchase a home.