davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information ASAP : XXXX XXXX
Consumer complaint received 2021-06-21
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. (NC)

*FOR PROFIT HAVE ALLOWED COMPANIES TO SUBMIT AND REPORT AND LIST AND INQUIRE WITHOUT WRITTEN AUTHORIZATION AND CONSENT FROM MYSELF *FOR PROFIT HAVE ALLOWED COMPANIES TO SUBMIT AND REPORT AND LIST AND INQUIRE WITHOUT WRITTEN AUTHORIZATION AND CONSENT
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

The Mortgage Banker I was working with at Rocket Mortgage refused to give me a loan estimate. I asked him on multiple occasions, and he flat out refused to provide it to me claiming that Rocket Mortgage doesn't do loan estimates unless you are in Contract on a home.

I had already submitted my mortgage application and received approvals from Rocket Mortgage. I had already submitted two offers on homes, and provided addresses to Rocket Mortgage. Regardless, the Mortgage Banker refused to provide me with a loan estimate. Every time I asked, he gave me the run-around telling me that there is no point to provide this to me and that other lenders only do it bait and switch me. He said if I wanted, he can have his two-year old child give me a loan estimate with fake numbers. It didn't make any sense, and I just wanted to see what rates I qualify for and what my monthly payments would be. He treated me like I was incompetent, and continued to tell me that rates change all the time and there is no point in him giving me current rates. I work in finance and specifically, the bond market so I have a great understanding of interest rates. Regardless, he continued to stand his ground and refused to provide me with any rates. His name is XXXX XXXX, and I believe his actions were illegal. 

I decided to drop Rocket Mortgage as my lender for my next home and moved forward with another lender, but believe they should be held accountable for their shady business tactics. l used Rocket Mortgage on my previous home purchase, and it was a totally different experience. I hope that XXXX is held accountable.
Consumer complaint received 2022-05-20
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. (NJ)

I have recently checked my credit report and have realized that XXXX XXXX XXXX has put a collection account on my credit report and is reporting a past due balance and late payments onto my credit report. In the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has marked my this account as a late payment on each and every one of those months. This account can not report late payments on my credit report. Last time I checked I didn't have an established due date with this collection therefore how can there be multiple late payments. I have NEVER AGREED to pay this collection. We never signed a contract or a verbal agreement ever. If you dont have a contract or have received an application from me and have not approved me for credit you can not assign me a due date nor a late payment or a past due balance.

This is a violation of the FAIR DEBT COLLECTIONS PRACTICE ACT- section 807 violation misleading false reporting.
Consumer complaint received 2021-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I CONSUMER XXXX SENT PORTFOLIO RECOVERY ASSOCIATES A VALIDATION LETTER IN RESPONSE TO THEIR CLAIM THAT I LAWFULLY OWED THEM ANY MONEY. THEY DID NOT RESPOND IN A LAWFUL / TIMELY MATTER ALLOWED BUT RESPONED WITH A NON CONSTUTIONAL/LAWFUL RESPONSE. NUMEROUS DAYS AFTER DEFAULTING ON RESPONDING TO MY DISPUTE LETTER. THIS COMPANY HAS CONTINUED TO BREAK THE LAW AND TAKE UNFAIR ADVANTAGE OF ME. CAUSING ME STRESS. I HAVE INCLUDED COPIES THAT I HAVE MAILED CERTIFIED WHICH ARE 1. NOTICE OF FAILURE AND OPPURTUNITY TO CURE DOCUMENTATION, 2. A FTC REPORT AND 3. EVIDENCE OF DECEPTIVE FORMS THEY HAVE SENT ME.
Consumer complaint received 2022-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

I was behind on car payments so my car was repossessed by Ally Financial on XXXX XXXX 2022. I made the payment of the amount that was due of {$2100.00} in full on XX/XX/ 2022 plus made the additional car payment that was due on XX/XX/ 2022 of {$510.00}. As of XX/XX/2022 Ally Financial has yet to send my release paperwork to the auction that currently has my car. After many calls to Ally Financial and the auction that has my car every day since XXXX XXXX 2022 I am still without my car and without answers as to why the release paperwork has not been sent. Every time I speak with someone at Ally Financial they tell me that they have sent the paperwork and are not sure as to why the auction has not received it and that they will send it again and still no results.
Consumer complaint received 2021-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (CA)

received a bill from AIC ( allied international credit corp ) saying that i owe XXXX  {$72.00}. i dont even shop at XXXX. please help. 

they want me to pay this bill and contact XXXX XXXX at XXXX to confirm which payment option i am going to use.
Consumer complaint received 2022-12-19
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. (CA)

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022, a balance transfer for {$1400.00} was requested from XXXX XXXX credit card to Chase credit card, this transfer was requested to Chase over the phone, as it has done before, the transfer information was stored in the system. 

Chase issued a check, that XXXX XXXX never received, when Chase was contacted, they disclosed that the check was cashed but not XXXX XXXX, the check was made and shipped to the wrong entity. 

Since XXXX, 2022, Chase claims they have been conducting an investigation, they are trying to get the funds back, while I have been paying both balances and accrued interests. 

The interest charges are as follow : XXXX {$18.00} XXXX {$18.00} XXXX {$21.00} XXXX {$21.00} XXXX {$19.00} A formal complaint was made with Chase on XX/XX/2022 and with the XXXX  on the same day and no resolution yet. We feel powerless and that we have hit a brick wall.
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (NC)

On XX/XX/21 I attempted to close my credit card account with TD Bank N.A. and was informed that I would have to forfeit any rewards balance under their redemption limit of 2,500 points. I have a balance of XXXX  points. I understand a redemption limit for on going business purposes but I'm closing the account. Therefore, I am entitled to any money earned. This forced forfeiture is nothing more than theft.
Consumer complaint received 2021-10-18
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2022, I went to WELLS FARGO BANK in XXXX XXXX, XXXX, and presented a Purchase Money Loan and a Retail Purchase Agreement for a car from XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX with me. I presented to him the above items for processing. XXXX XXXX XXXX hereinafter " XXXX '' XXXX questioned who did I get the XXXX XXXX XXXX. I told him XXXX XXXX XXXX XXXX emailed it to me. XXXX then said he can't do this because they only deal with the car dealership, not the consumer. He also said that they only do personal loans and business loans. I then asked him to forward it to the credit department and let them process my request. He refused instead, made a call to the credit department and XXXX XXXX told him that the dealership has to go through the department in order to purchase a car. I then presented a Purchase Money Loan for {$5000.00}, for goods, services, and household products and again XXXX said he can not do it because he only deals with personal loans and business loans. I told him this was a personal loan and he said I would have to apply by way of a credit application. I informed XXXX that my presentment is my application for a Purchase Money Loan. He said he could not accommodate me. Under Title 16 CFR Sec.433.1 ( d ) entitled me to this request. Please provide me an email and I will forward my presentments to you to support my claim of unfair and discriminatory practices at the WELLS FARGO BANK IN XXXX XXXX XXXX
Consumer complaint received 2021-05-31
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. (LA)

On XXXX XXXX. I sent a dispute to XXXX, XXXX  and Experian Disputing 2 bankruptcies on my credit reports. The information is inaccurate, so I requested that the items be removed from my credit report. The bureaus stated the information was verified as accurate by the Bankruptcy Court in XXXX XXXX, Louisiana and refuse to remove from my credit report. I contacted the US Bankruptcy Court located in XXXX XXXX, Louisiana and I was advised that they didnt report such information to XXXX, Experian or XXXX. I have been disputing this for 9 months and the bureaus XXXX, Experian and XXXX  are not legally reporting the correct information.
Consumer complaint received 2021-01-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

On multiple occasions my car loan with Santander consumer. Goes up in value. I cant trade the car in nor can I afford the payment any longer. The interest is really high. I often Call try to lower the monthly and have received no success. With the pandemic they have always reported that it was late where the cares act state they shouldnt. Ive also asked for XXXX payment removal with no success. The account doesnt even report properly with many different information across the three credit Bureau. While always reporting lates.
Consumer complaint received 2023-04-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (AZ)

You guys need to step in and get control of these deceptive advertising. I see ads all the time for HELOCs at super low rates that are not even close to being real. I recently saw and advertisement by Lending Tree, where they advertised a HELOC for 6.5 %. There was not approval criteria listed on the ad. I applied, and I am very well qualified with 35 % LTV, very low DTI and XXXX north of XXXX. Well none of that mattered because not a single lender I spoke to has rates anywhere near 6.5 %. all of them are in the 9 % range. You need to eliminate companies like lending tree where they just shotgun your application info to a million lenders. then we have to go through a handful of conversations that take a lot of time, only to find out the rates aren't even close to what is advertised. To me this is deceptive advertising and should be a finable offense.
Consumer complaint received 2020-09-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (KS)

They keep calling my job and home on a daily basis 2-3 times a day. using different numbers. threatening to sue me for an old debt. 

I've asked them to send me a letter but they want. They have all my personal information so there is no reason for them to keep calling.
Consumer complaint received 2023-04-14
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (TN)

Dear Sallie Mae, I am writing to request the removal of a delinquency reported to the various credit reporting agencies that was submitted by Sallie Mae on XX/XX/2023 regarding account ending in XXXX. 

I have used Sallie Mae extensively for nearly a decade to help finance the education of my 2 sons XXXX and XXXX. I have taken out a total of 10 loans in 8 years. In that time span I have never been reported as delinquent. I have repaid 4 of those loans ( XXXX, XXXX, XXXX, XXXX ). I also have 4 loans that are currently on auto draft from my checking account ( XXXX, XXXX, XXXX, XXXX ). 

Recently I took out 2 additional loans ( XXXX, XXXX ). My understanding was they were in the process of being placed in deferment, as my son is still in school. I was also working on the assumption that they were setup on autopay like the others and would begin to draft once things were coordinated with the institution my son attends. That institution is XXXXXXXX XXXX XXXX XXXX ( XXXX ). Since taking out these loans recently I have not communicated with Sallie Mae until today. 

Thinking everything was fine I was shocked by what happened. This morning I was notified by an XXXX alert that my credit score dropped by XXXX points!! I logged onto XXXX and found that Sallie Mae had reported 1 of the 2 new accounts delinquent. I immediately logged onto Sallie Mae and made a payment to bring these loans current. Then I contacted Sallie Mae about the issue and was told that my only recourse was to write a letter and was given a mailing address verbally. 

I had a XXXX score that dropped to XXXX overnight, making it next to impossible for me to get credit now. I had a XXXX score because I have never had a negative item on my credit report in my entire life, and XXXX XXXX XXXX XXXX! Currently Im dealing with some health issues. It is frightening to think I could have a medical emergency and not be able to get credit because of a simple miscommunication. 

Please review my account and verify what I have said. The only reason these payments were not made is because of communication issues between Sallie Mae, XXXX, and myself. As I have brought the account current, I am requesting the delinquency be removed from the credit reporting agencies due to extenuating circumstances. 

Hopefully my extensive history with Sallie Mae, and the difficult and time-consuming coordination with educational institutions that are requisite in this process, will weigh favorably in your decision. Thank you for your time and consideration.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX of XXXX XXXX XXXX XXXX began to report a negative payment record to XXXX   and Experian. I have never had a mortgage with XXXX XXXX but I had a mortgage that was closed and discharged as part of a BKXXXX over 7 years ago. Case # XXXX. Attached to this complaint is a Cease and Desist letter from my attorney sent to XXXX XXXX back in XXXX. This is negatively effecting my credit report/score and I believe this is against BKXXXX laws and protections. I am looking to have this account erased from my credit file. This is unacceptable harassment by this lender.