davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

I have contacted them they so nothing..they suppressed my credit report for numerous years when I filed bankruptcy XXXX XXXX..which they got paid what I was behind they also did a modification that added everything I had paid to the back of the loan pushing my date many years in a 30 year mortgage ... I pay them they are not reporting I show no mortgage on my credit report They also added all my late fees to XXXX 's payment since I have been complaining to them over the last few months ..they never do that..they are horrible ..I have had my mortgage since XXXX..it was sold to XXXX XXXX XXXX their sister company..it 's not with XXXX XXXX ... .nothing but stress and years of them taking advantage of me..
Consumer complaint received 2022-07-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. It has now been 45 days. I have not received anything regarding the investigation. Im clearly being taken advantage of and being ignored. Section 611 ( a ) states that a failure to investigate within 30 days gives reason to remove these erroneous items, this should be resolved now. I demand these accounts be removed immediately, or I will seek litigation for all this has caused me. I was also impacted by the XXXX data breach, my information could be being misused at this very moment.
Consumer complaint received 2020-12-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Quick overview : Rushmore Loan Management purchased my loan from XXXX XXXX XXXX  in XXXX. My loan has never had an escrow account associated with it. Without consulting me or asking me to show proof of coverage, Rushmore Loan Management set up an escrow account in XX/XX/XXXX for Hazard insurance only. It was finally reflected on my XX/XX/XXXX statement and since then Ive spent hours on the phone, and on hold, trying to get through the bureaucracy to speak with a mid-level level mgmt. person. None of the customer service representatives seemed to be able to help. No one wanted to escalate my query. Finally, in late XX/XX/XXXX. .I found a mid-level manager who gave me the name of XXXX XXXX XXXX ( XXXX ) who is supposed to be a VP, in the collection department. 
. 
These payments have not been entered properly to show the additional principal payments since XX/XX/XXXX, and my account is in disarray. 
Despite repeated calls, and leaving voice messages, as of XX/XX/XXXX, I have not heard from XXXX XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Brief description of the issue : XX/XX/XXXX : -- - I changed insurance companies from XXXX XXXX to XXXX. My insurance agent XXXX XXXX, ( XXXX ) XXXX, had my car covered thru XXXX XXXX, and provided hazard insurance thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX sent the Declaration page of coverage to Rushmore. In XX/XX/XXXX. 
On XX/XX/XXXX, I paid {$490.00} for the first installment. On XXXX paid them {$200.00} for the second installment of annual policy. On XX/XX/XXXX -I sent {$190.00} for the third installment.. ***See attached letter from Insurance Agent XXXX XXXX XXXX 

XX/XX/XXXX -- -Rushmore Loan Mgmt XXXX sent {$1700.00} to XXXX XXXX XXXX XXXX XXXX for hazard insurance. An escrow account was created. They did not contact me ( U.S. mail, phone or electronic communication ) prior to, or request verification of a Declaration page. 

XX/XX/XXXX -- -The error come to light on my XX/XX/XXXX statement. I made several calls to Rushmore Loan Mgmt. was not able to find anybody that would take responsibility. I was first transferred to the flood insurance department. There had been a one-month gap in my coverage in XXXX, which was paid for and covered by myself to Rushmore. So that eliminated that. 

XX/XX/XXXX -- -I called XXXX XXXX XXXX my insurance agent and asked him to look into it. Weve been in discussion about this for several months. ***See attached letter from Insurance Agent XXXX XXXX XXXX 

XX/XX/XXXX -- -On or around the end of XX/XX/XXXX finally got connected to a VP of collections named XXXX XXXX XXXX ( XXXX ) After several calls over several weeks, we both came to the agreement, that the escrow account was created in error by them. My last conversation with her was the early part of XX/XX/XXXX. She said she was going to correct all the postings on my principal curtailment
Consumer complaint received 2022-08-05
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. (TX)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under XXXX5 USC 1681 ( a ) 3. Experian, XXXX and XXXX assumed this role without permission not only that I never did give my consent. Experian, XXXX and XXXX did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. Experian, XXXX and XXXX did not exercise grave responsibility, Experian, XXXX and XXXX were unfair, Experian, XXXX and XXXX were partial. 

I am taken the liberty to file a CFPB report and an attorney general 's complaint. Experian, XXXX and XXXX never had a permissible purpose Under 1681 ( b ) 2. I never instructed Experian, XXXX and XXXX to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2022-10-12
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
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. (MI)

In accordance with the Fair credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX  XXXX has violated my rights Account # XXXXXXXX XXXX XXXX has violated my rights Account # XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violate my rights Account # XXXX XXXX XXXX XXXXXXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights Account # XXXX XXXX XXXX XXXX XXXX XXXX  has XXXX XXXX rights Account # XXXX DEPT OF ED / XXXX has violated my rights Account # XXXX US DEPT OF ED has violated my rights Account # XXXX XXXX / U.S. DEPT OF EDUC has violated my rights 15 U.S.C. 1681 section 602 A. states I have a 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 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (FL)

I have a frozen account with Venmo. I have made multiple calls and emails trying to find out why with no answer. I would like my money and to know why my account is frozen. It has been almost 2 weeks with no answer. I have verified my identity. The email address on file for venmo is XXXX. I no longer can access that account and the new email is XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

For the past two months, I have tried to reach out to your company regarding these items that I want removed/deleted off my report and so far, nothing is being done. I am filled with so much stress in life already and these inaccuracies are adding up to that- worsening my mental health.
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (AL)

I discovered inaccuracies on my report per 15 USC 16c-2. The inquiries listed were not authorized by me. Kindly delete all unapproved hard inquiries.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (AZ)

Early in XXXX I opened up a Discover card. They offered me a {$10000.00} line in doing so they told me that my monthly payment would be {$25.00} a month. At no time why I was using the card in the first 90 days did they express to me that they went off a percentage of per balance monthly within a few months with timely payments they did a query on the account demanding that I fill out an IRS form and that they were closing the account before I could submit the form they close the account which led to two other credit cards, closing and other cards, reducing my limits, forcing me to pay out sooner than my other contracts due to this card while also reporting that I close the account which I was trying to do before they could, but they are actually the parties that closed it without providing any information. Since then, Ive received minimum two calls a day every single day of the week and Emails demanding the total balance, and that theyre reporting actively on my credit negatively. I am really baffled on is how they marketed the card And the high usage only to allow false pretense on Payments being within reason. I currently have three other credit cards all in good standing with reputable banks, including XXXX XXXX, XXXX, with where I was reduced my credit limit and a third-party credit card however, ive been paying all my credit cards and good standing since the date of their opening. This is in fact a predatory card and their behavior is predatory because its the point where I expressed my concerns with them that they kept changing the payment around without giving me any ample notice. Then the direct affect was they ended up closing the account and are threatening Collections.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion File number : XXXX Date issue XX/XX/XXXX XXXX claims I owe them {$450.00}, I am not told what I owe for. They claim the insolvency is less then 2 years old. I have been a customer of XXXX since XXXX and before that I was a customer of XXXX XXXX XXXX. I have asked Transunion to open an investigation. They said the charges were valid and less then 2 yrs old. I asked them if they show any proof and the reply was no they just sent a statement. So I asked them to open another investigation and to please ask XXXX how my phone number under XXXX service can be under their services ( which I have neither solicited nor agreed to ), The second investigation came back with the exact same result as the first one. I could pay it to make it go away ( I hear friends ended up doing so ) but it is morally wrong. I feel like I have been blackmailed. I was unemployed and have worked hard to repair my credit and Transunion seem set not to allow my credit to go over the XXXX mark
Consumer complaint received 2020-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc. (TX)

Early XXXX was advised to payoff and close the account I needed to {$510.00} by XX/XX/2020. I paid {$510.00} on XX/XX/2020. I was advised it would take 30days for the account to closed out and letter me advised balance paid in full. I started receiving calls early XXXX about a remaining balance of {$140.00}. I spoke a supervisor who assured it would be handled. XX/XX/2020, I received another call for the company and they said I owed {$180.00}. I spoke a lead and a supervisor and was told payment had been processed incorrectly on XX/XX/2020. They said would investigate again. Today XX/XX/2020, I received an alert from the credit that Conns reported that I owed them a balance. My credit was decreased over 30 points overnight. Conns has illegally reported inaccurate charges on my account and caused my credit to decrease. This could impact my other credit accounts. 

Conns Credit Company has failed to handle the dispute.
Consumer complaint received 2020-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

This debt was paid over the phone and received correspondence by mail that the payment was received on XX/XX/XXXX. Per the conversation this debt was to be completely removed from my credit report ( I recorded my conversation with the rep and manager in case of a situation such as this ). This debt is still sitting on my credit report and there last update to all bureaus was XX/XX/XXXX. Based on there typical updates each month this should have been updated no later than XX/XX/XXXX and that has yet to happen. However I received another notice on Monday that it was paid and I have the emails sent from earlier in XXXX that the payment posted. Please let me kno how to submit the mp4 of recording and where to forward emails. I can take pics of the mail correspondence but will not be uploading until I receive the response.
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (TX)

In a review of my credit file, I see, Choice Recovery, listed on my credit file. I have never heard of this company. I believe they are trying to take advantage of the elderly. They are depressing my credit score with their entry on my credit file.
Consumer complaint received 2024-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year>, my I phone was pickpocketed on the bus then the theft got into my chase online bank and made two transactions that were {$100.00} and {$1900.00} by XXXX. I have a police report and contacted XXXX they said Chase Bank have to handle the case. Contacted Chase with the police report requested why they denied my return of my money. They said that I authorized the XXXX payment which at the time my phone was disconnected. The phone was hacked. Got into my account in my Husband account and transferred money to another country. I contacted Chase multiple times on this, letting him know that it was not me that made the XXXX transaction chase bank did not be twice. And I sent them the police report. I have the information of the detective who handed the case.
Consumer complaint received 2022-08-15
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2022-07-03
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. (IL)

In accordance with the Fair Credit Reporting act, the below accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


Subject Accounts : XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XX/XX/XXXX: account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX : account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX : account # XXXX
Consumer complaint received 2020-07-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America- Account # XXXX XXXX XXXX XXXX I've had Bank of America for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.
Consumer complaint received 2022-06-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I went to the dealership I just turned XXXX, I had a XXXX XXXX  XXXX, that I was trading as well as XXXX bucks as a down payment, and I had a co signer : ) all went well, I signed the papers had a monthly payment, I moved, I got a job, waited 2 months never got a first payment? I was waiting, they called me said that I need to bring the car back because they werent able to secure the loan or they are going to call it in as stolen. I brought the car back that same weekend. It took them XXXX months to send the XXXX dollars back, and but it is now XXXX almost, and I havent received the car I traded in back, i have talked to managers. Ive talked to the owner of the dealership, the financial guy, the car sales man. They said they had my car, I went up there to get my car 4 months later since giving the car back. Drove XXXX miles, and I called them and let them know I was in town to get the car, they said we need to find the car and we will give you a call back, I never got a call back. Never a text. They didnt reach out again. I looked at my credit report. They shot my credit report out and did XXXX inquires on my credit. They shotgunned it and made it XXXX near impossible to get anything.