davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: American First Finance, Inc. (TX)

The loan was taken out on XX/XX/2021 in the amount of {$1800.00} with American First Finance. THe loan was presented to me as a no interest loan for XXXX installments. i set an amount to be paid for XXXX the amount for each installment.We asked about a XXXX debt amount listed in the contract and it was explained that as long as we pay the amount in the XXXX installments we would not be charged. We did not recieve a statement and had to go to the website and request a list of transactions to find that a " Rent '' fee mate up {$98.00} of the charge. The word " rent '' does appear in the contract but does not display an amount to be charges. THis is clearly a hidden fee. We now have been charged the full amount of {$7100.00} on a {$1800.00} loan.
Consumer complaint received 2022-03-31
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. (PA)

In accordance with the Fair Credit Reporting act 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-30
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (OH)

I went on XX/XX/XXXX to inquire about a car, I mind you on my old lease, I still had 10 moths left on my lease, I fill like they had a motive the whole time, they told me they would buy me lease out they did not and they attached it on this lease and I feel like they screwed me put me in a 4 year lease for {XXXX} and he also did fraudulence by putting I was on the job for a year and I wasnt, I was only on my job for 4 months. I could have kept the car I already had because he claimed I would not see any good rebates on my car, I feel like I did not get a good deal, he screwed me for a car sale due to the car dealership was giving this car to XXXX XXXX schools and jacked the price up on me, the dealer ship also stated they didnt have any inventory, no cars were coming in but screw a long term customer to help pay the bills, that is not the way you do things, XXXX will never get my business ever again they can not be trusted on no levels, I seen on XXXX they have a lot of complaints on their website.
Consumer complaint received 2022-03-30
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. (WI)

CLOSE CASES XXXX & XXXX FINALLY THE XXXX FIXED THEIR ILLEGAL REAGING AFTER I HAVE HAD TO REPORT THEM 3X!!!!!!!!!!!!!!! NOW PLEASE REMOVE YOUR XXXX XXXX REMARKS OFF OF MY ACCOUNT SO I CAN APPLY FOR MY XXXX LOAN NOW. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX } OR BY FAX : XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). 

I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. 

More specifically pertaining to comments on accounts. 

I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. 

The accounts have either never been disputed to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period youre allowed for disputes. 

Truly, XXXX XXXX
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Starting XX/XX/XXXX I have received notices from Shellpoint Mortgage regarding hazard insurance placed upon our property. Immediately I called and submitted the relevant documentation of my existing hazard insurance, and requested to have the escrow balance cleared. I forwarded this hazard insurance to their support department, and tried repeatedly to clear up this misunderstanding. Each time while speaking on the phone, I have received confirmation from the agent that this was a mistake on Shellpoints part, and have at multiple times had the escrow balance cleared, only to have the escrow charges re-emerge. 
As of XX/XX/XXXX my wife and I have started seeing late payments reported to credit agencies, negatively affecting our credit score.

Shellpoint have completed an audit, and returned a response to us which does agree that the hazard insurance should not have been placed, but has not cleared up the balances incurred by those fees. 

At all times I have continued to pay the original mortgage amount, and so should be in good standing on this balance. 

Many thanks for your help.
Consumer complaint received 2022-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC (UT)

I was getting a roof installed through a company called XXXX XXXX. The sales girl, without my permission, esigned loan documents approving XXXX loans for {$36000.00}. The loan was extremely high interest which I would never have approved since I have excellent credit and would have just went through my local credit union. She told my that she would get me the loan information to sign before I had the roof installed. I never received any loan documents to sign because she signed them for me after she left the house. I had told her that I did not want a high interest loan, and that I would just get financed through my credit union. She wanted the sale so bad, she decided she'd sign the documents for me. I also put {$5000.00} down and they were supposed to knock off an additional {$500.00} as a promotion. Neither the down payment or promotion were ever deleted from the final loans. And I say loans, because not only did she esign documents for XXXX company but for XXXX. Now I am stuck with XXXX payments and a high interest loan, even though I never signed any of the loan documents. The loan documents were signed after she left my house, and they even have the time stamp on them from being signed online. The final payment was supposed to be for less than {$300.00} a month through XXXX loan company at a low interest rate, not through XXXX loan companies at high interest rates. I told both companies that I never signed the documents approving these loans. I have witnesses that were then when she was having us sign stuff and not once did we sign any loan papers. We have tried getting this resolved but Service Finance Company LLC keeps hanging up on me and won't assist me in resolving this matter. The other company has filed a fraud investigation so we are yet to see what will come of that. XXXX XXXX XXXX workers also stole a camera and an antenna that was on my roof. They damaged an expensive swamp cooler and never reimbursed me for any of that.
Consumer complaint received 2022-03-23
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: Experian Information Solutions Inc. (MS)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (AL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

My vehicle was totaled in XX/XX/XXXX credit acceptance received payment for the vehicle value. I open the loan with credit acceptance in XX/XX/XXXX the duration of the loan was for three years. However credit acceptance has been illegally reporting missing payments to all three credit bureaus recently being on XXXX XXXX. They still have this loan as being opened and missing payments. I have contacted this company several times and was talked to in a very unprofessional and disrespectful manner. This is going on year five that this loan has been opened which was originally XXXX dollars however credit acceptance has on my credit report that I owe them almost XXXX dollars for the used vehicle that was totaled. This is practicing unfair and disceptive actions towards consumers such as myself. It is illegal for them to report defamatory information to hinder my credit continuously and maliciously with the intent to cause harm or financial gain.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (NJ)

I was shocked to learn that BMW reported me as late on my credit. I leased a vehicle from BMW at the end of XXXX. 
The initial two payments were made at the dealership, and the first payment was due XX/XX/XXXX as I later found out. However, I didn't receive a billing statement for the month of XXXX, or XXXX I wasnt aware of the payment due date and thus made the payment 2 days late. Had I received the billing in a timely manner this wouldnt be an issue. 
Please correct the negative reporting as BMW failed to send me the initial statement in a timely manner. 
Over the years, I have leased several vehicles with BMW and have never been late. 
The failure to send a billing statement in a timely manner is the reason why the payment was made 2 days late. Please correct the negative reporting as this is impacting my mortgage process. I stand to lose my down-payment of XXXX if I can not obtain a mortgage, which resulted in XXXX point drop on my credit.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I, XXXX XXXX XXXX XXXX XXXX am a victim of identity theft. 

XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX  XXXX have egregiously fraudulent accounts on my credit profile that need to be removed, immediately.
Consumer complaint received 2022-08-29
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. (GA)

in accordance with the Fair Credit Reporting act XXXX Account name XXXX and 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 2022-03-23
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: U.S. BANCORP (FL)

On XX/XX/XXXX I sent XXXX a letter disputing the US Bank Home mortgage account they are reporting on my credit report. I did not get a response. I sent a follow up letter on XX/XX/XXXX. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified through US Bank. I disagreed with their report and sent another letter on XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I was sent back a letter showing the account was deleted on XX/XX/XXXX. I then received another letter on XX/XX/XXXX with a credit report stating that this account was verified through US bank and was added back to my account. This account shows the first delinquent payment in the payment history as of XX/XX/XXXX. The account was never brought current again. However, in the information area it shows the date of first delinquency as XX/XX/XXXX. How is that possible when there are 15 payments prior to XX/XX/XXXX that were delinquent? Frustrated, I emailed the CEO of US Bank and XXXX on XX/XX/XXXX and did not receive a response. I called US Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and no one was able to help. I kept getting redirected and told that US Bank has no information because the account is not current and is so old. Nothing had been done to correct this account, even with proof. After a few months I decided to check and see if the inconsistencies had been updated. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this still possible? I called into XXXX today to question the inconsistencies and the rep stated that he did see the inconsistencies but there was nothing he could do as US Bank has verified the account. I am completely appalled that this credit bureau would allow such an injustice to continue to happen.
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (WA)

Called XX/XX/2022 at XXXX XXXX from XXXX XXXX  to discuss possible debt. After listening to the disclosure and the amount claimed I owed, I said I had not received any written notice and would like to dispute the claim and to please send something written so that I can verify the charges. After repeatedly stating that I would not be making arrangements, the agent made no attempt to begin disputes process. Instead went on a sales pitch asking me about when I last looked at my credit report and threatening that if I didn't make arrangements today, I could have my account turned over to a lawyer " that it could happen after we get off this call '' and mentioned possibilities of consequences such as liens and garnishments to paychecks or properties. I repeated that I would not be taking actions until I received a statement that I could verify and that until that time there was nothing else to talk about, then asked to end the call. He held me on the phone to " be honest with me '' he couldn't send me anything by mail ; it was online and I could verify right now. I took a moment to try to compose myself while I heard him talking about how silence wasn't going to help my case and if it wasn't resolved my case could go to a lawyer and I'd be sued.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 XXXX 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 XXXX XXXX now.with no help.
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have now wirtten Transunion 2 times about items on my report that are not right. The first time being back in the beginning of XXXX. I have not gotten a response to my requests and it has been well over 30 days. This has stressed me out I " trying to buy a car and did what I was supposed to do.
Consumer complaint received 2022-03-23
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-24
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. (NC)

I mailed a to the creditor XXXX XXXX to validate the debt and remove the inaccurate information under my account. The letter is to REMOVE those late payments reflected on my credit report because they were all agreed upon by the creditor. In other words, I called and informed the creditors and asked NOT to pay during those months until I was able to get back on my feet. Once I did I paid all those late payments and up to current, I haven't been late ever since. We have an agreement in writing that my account will be put into their XXXXXXXX XXXX XXXXXXXX on XX/XX/2019 which gave me several months of deferred payments.
Consumer complaint received 2022-03-24
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. (NC)

I mailed a to the creditor XXXX XXXX to validate the debt and remove the inaccurate information under my account. The letter is to REMOVE those late payments reflected on my credit report because they were all agreed upon by the creditor. In other words, I called and informed the creditors and asked NOT to pay during those months until I was able to get back on my feet. Once I did I paid all those late payments and up to current, I haven't been late ever since. We have an agreement in writing that my account will be put into their XXXXXXXX XXXX  XXXX on XX/XX/2019 which gave me several months of deferred payments.
Consumer complaint received 2022-03-24
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. (CA)

In accordance with the Fair Credit Reporting act 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