davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX {$3200.00} XXXX OF XXXX XXXX {$2300.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$460.00} XXXX XXXXK XXXX {$1100.00} XXXXL XXXXXXXX XXXXK XXXX XXXX A XXXX {$3700.00} XXXX XXXX XXXXXXXX {$330.00} XXXX XXXX XXXX {$750.00} XXXX XXXX A XXXX {$3100.00} XXXX XXXX {$1700.00} XXXXL XXXX XXXX {$920.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (MI)

ON XX/XX/2021 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2022-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc. (UT)

Express Recovery is staring medical debt is owed to University of Utah for care but amount is over {$17000.00} I had insurance at the time and don't see any of it being billed through either policy I had. Even with insurance I wouldn't owe that much because I had an out of pocket max. I have no bills from Uof U or I would've set up on a payment plan as I have with all other medical accounts.
Consumer complaint received 2022-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PNC Bank N.A. (OH)

In XX/XX/2022, I went to PNC Bank, located at XXXX XXXX XXXX XXXXXXXX XXXX  and asked for the current interest rate for a lease buyout. After the banker, XXXX asked me a few questions about the vehicle and terms, I was given a range with a base interest rate of 5.44 %. I also asked how the debt-to-income would be calculated and specifically asked if the outstanding balance on my credit card that I pay off in full each month would be a factor. I was told as long as I pay off the balance each month in full, it would not affect the debt-to-income calculation. After being satisfied with the base interest rate and debt-to-income calculation explanation, I allowed the banker to run my credit. After a couple days, the banker called and told me I was approved for a rate of 6.24 %. I then inquired why it was not at or close to the rate of 5.44 %. I was told it was due to my risk factor. I was told in order to qualify for 5.44 %, I would have to be at a risk factor of XXXX and I came in at a risk factor of 1. I then asked how much does the interest rate increase as the risk factor increases. I was told that the interest rate increases by .5 % for a risk factor of 1. This prompted me to ask why wasn't the offered interest rate at 5.94 % ( XXXX ). I was then told that the base rate was 5.69 % and not 5.44 %. I then stated, well if that's the case, then why was the rate not 6.19 % ( XXXX ). The banker then stated that underwriting determined the rates and he would put in a complaint requesting that the rate of 5.94 % be honored because he gave me incorrect information regarding the interest rate and how the debt-to-income ratio was calculated. After the banker put in a total of three complaints within various departments within the financial system and 1.5 months later, all complaints were denied. Ultimately, I was told that they will talk to the banker to make sure he doesnt provide customers with inaccurate information moving forward. Had I been given an accurate interest rate initially, I wouldnt have allowed PNC to run my credit which ultimately decreased my credit score. I would have allowed the financial institution with the lowest base interest rate to run my credit. I would also have paid off my credit cards and waited multiple months with a balance of zero prior to allowing them to run my credit to better my debt-to-income ratio, if I had been given accurate information as to how the debt-to-income ratio was calculated. Due to the inaccuracy of these critical pieces of information, PNC has caused me to be put in a position of paying more over the life of a loan resulting in additional undue debt.
Consumer complaint received 2022-10-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Hello, I am a veteran trying to sell my home in XXXX XXXX. I bought the house in XXXX  and I refinanced using my VA benefit a few times since. My loan now has a rate of 2.25 %. With the current economy the steep increases in rates and the related declines in property values we decided to allow the potential buyers to assume my VA loan. It is a big benefit for them although they would have to put up a sizable down payment. Our issue is that the mortgage originator ( PennyMac ) has been setting roadblocks and have been extremely unresponsive. We have been going through the process for over 2 months now for something that has historically taken less than a month. I suspect that they are delaying and being unresponsive in the hope that the deal falls through and they can get the 2.25 % fixed rate loan off their books. it is completely unacceptable for them to be delaying and stonewalling the way that they have. I am sure that I am not the only one experiencing this issue, and I am sure that PennyMac is not the only mortgage originator behaving in this way. I hope there is someone out there that can help with this issue. As I said, I am an XXXX veteran who served 6 years honorably and then I was a public servant for an additional 10 years working for the federal government.
Consumer complaint received 2022-09-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion has failed to complete its investigation within the allotted time. It has been 30 days since I mailed them the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e., an original consumer contract with my signature on it ) that you have on file for the account listed below. 

1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report immediately. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report immediately. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove immediately 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. Victim of natural disaster/ XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Please remove late payments immediately. 

6. Victim of natural XXXX In school and deferment XXXX XXXX # XXXX Date Opened XXXX XX/XX/XXXX Please remove late payments immediately. 

7. This account is not mine XXXX # XXXX Please remove it immediately. 

8. In School/deferment/Late payment are false XXXX XXXX # XXXX* Please remove it immediately. 

9. This account is not mine XXXX XXXX # XXXX Please remove it immediately.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I filed a complaint against Equifax who currently has INACCURATE, FALSE, UNDULY, UNLAWFUL and UNFAIR information on my credit report from XXXX XXXX BANK. 



COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Equifax responded XXXX it will use the same false unlawful information from the same furnisher instead of looking at my bank statements and looking at my credit report, SEEING THAT XXXX  FURNISHES XXXX UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from XXXX credit file in accordance with CFRA. 

Equifax has NEVER done what they are OBLIGATED to do and REMOVE XXXX  FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file. 

Instead of looking at ALL the proof I sent and deleting USAAs unlawful reporting, Equifax tells me it will obtain the same false information from the same furnisher. 

This behavior is ILLEGAL. 

Equifax has REPEATEDLY dismissed my disputes about XXXX XXXX XXXX  stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX reporting must IMMEDIATELY be removed from my credit file.
Consumer complaint received 2021-07-03
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: Experian Information Solutions Inc. (MN)

Dispute letters sent out : XX/XX/2021, XX/XX/2021, XX/XX/2021 I've sent letters going back and forth about the items that are listed on my credit report and Experian has continuously disregarded my letters and have came back with so many different responses such as they verified it with the original company, or it has been updated. It is negatively affecting me to the point where I can not obtain new credit at all for anything. I've attached all my documents to reference to that are very clear on my steps to correct my credit reports. There are negative items that are affecting my credit severely. THIS IS MY 3RD COMPLAINT THAT I HAVE SUBMITTED AND EXPERIAN SAYS ONCE AGAIN THERE IS A 3RD PARTY? I WILL TAKE FURTHER ACTION IF THEY CONTINUE TO OVERLOOK MY COMPLAINTS. I'VE HAD ENOUGH AT THIS POINT. I'M NOT GOING TO KEEP PLAYING THIS GAME OF A 3RD PARTY, I AM SUBMITTING THIS ON MY BEHALF AND WHEN I TRIED CALLING YOUR DISPUTE DEPT THEY HUNG UP ON ME AND LATER SAID THEY WERE CLOSED.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently asked each creditor on my credit report which is in collection or charge off for validation of this debt and proof that I am the owner of this debt. I asked for proof of validation via documentation which includes the original contract signed by me with my signature upon the contract. They did not have this proof or ignored me Therefore remove all the negative collection items on my credit report,
Consumer complaint received 2021-08-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (VA)

XX/XX/2021 Disputed every fraudulent transaction. 

XX/XX/2021 Denied 1 transaction. 
( I disputed 72 ) XX/XX/2021 Fixed my dispute and resent for investigation. 

XX/XX/2021 Provided my Declaration_of_Fraud.pdf file, completed with every transaction. 

XX/XX/2021 Denied 32 Transactions XX/XX/2021 Denied 1 Transaction Today They had ample time to include all the transactions listed on the Declaration_of_Fraud.pdf that I filled out. They only included 32. It has been 10 days, I feel that they should have to pay me provisional credit, per S1005.11 ( c ) for the remaining transactions that they did not deny or include.
Consumer complaint received 2020-07-06
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-07-06
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)

Experian has refused to block information from my credit report, even after I submitted the appropriate identity theft information. I submitted the information twice however they are still violating federal law.
Consumer complaint received 2022-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Over the past two years, I set up autopay on my jeep loan maybe 6 times. Each time on bank of americas end, my autopay was ended without warning and I only found out when theyd call to tell me Im past due. I always paid right away as I have the ability to pay the loan off, but its a lower interest rate so Ive been leaving it there. It just happened for a 5th or so time and I dont feel my credit score should be impacted because their system is making it difficult to keep track of payments. When you sign up for autopay, there is some trust that it wont be cancelled by the bank without notice.
Consumer complaint received 2020-08-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

Amerisave was recommended by me current mortgage company , XXXX XXXX XXXX XXXX, in order to apply for an IRRL ( VA ) mortgage. After speaking to a loan officer ( XXXX XXXX ) and submitting documentation with private information concerning my mortgage and VA information, I was put in contact with a loan processor ( XXXX XXXX ). After one phone call from the loan processor, I was never contacted again. I have tried repeatedly to reach the company via email, phone number ( extensions, and even calling the company directly. Nobody has answered after nearly 25 days.
Consumer complaint received 2020-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am a victim of IDENINITY THEFT FTC case XXXX reported to XXXX XX/XX/XXXX. See attatched XX/XX/XXXX Experian Report # XXXX XXXX account XXXX Date Opened XX/XX/XXXX Address ID XXXX First Reported XX/XX/XXXX Credit Limit {$3000.00} RECENT BALANCE AS OF XXXX XXXX {$3300.00} THIS ITEM ** REMAINED UNCHANGED ( WAS NOT OPENED BY ME ) PROVIDE ORIGINAL WRITTEN DOCUMENTATION OF XX/XX/XXXX OPENING THIS ACCOUNT VERYFYING MY SIGNATURE. See attatched XX/XX/XXXX XXXX CONFIRMATION OF SETTLEMENT card end XXXX settled XX/XX/XXXX. This is the ONE AND ONLY ACCOUNT I OPENED WITH XXXX. See attatched XX/XX/XXXX XXXX XXXX DEBT DISCHARGED VISA/MSTR XXXX AGAIN, THIS IS THE ONLY ACCOUNT I OPENED WITH XXXX.
Consumer complaint received 2022-09-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (FL)

I am writing you out of desperation. Almost the same desperation that put me in the position to cause my current issue. A little over 3 months ago.I got a title loan from a company called XXXX XXXX. A check cashing place that advertises to do other financial services. But the actual loan they were advertising in their business was with another company called Wilshire Consumer Credit/Westlake FinanciaXXXX , they are a financial institution out of California. I got the title loan through loan center which then directs you to these companies. They had me fill out a form from the XXXX to add them as a lein holder on the florida title for my XXXX, not knowing who you actually doing business with. I got a loan of {$10000.00} in XX/XX/XXXX. The intrest was stated to be at yearly 64.4 % Yes 64.4 %. I had an issue as we all did during XXXX and XXXX with work being slow. I thought id be able to pay in a few months but that didn't happen. I have paid them nothing and because something isnt right about this company. I was advised that there is nothing that can be done since the bank that actually wrote the loan, XXXX XXXX XXXX XXXX Utah is well in Utah! So my major questions! Why is a business who IS in Florida, advertising for a company based out of California, and using a bank in Utah, allowed to sell this financial instrument without oversight and charging well over the allowed amount in this state, using Florida 's own title documents, and not be subject to Florida laws! All paperwork was signed in the office at XXXX XXXX in XXXX XXXX, Florida. Now when i ask for the current payoff as of today, my balance says I owe {$13000.00} but Wilshire credit says the payoff is adjustable with these special payoff letters. I am not a genius but something is screwy with this situation! Can someone please HELP! Thanks in advance. I have contacted them by email and calls and refuse to contact me back about this, they have 3rd parties call on Wilshires behalf to collect a debt. The original creditors do not call, which is XXXX XXXXXXXX XXXX XXXX XXXX. They have numerous 3rd parties call on deceiving number which none of them i did business with. They are breaking so many laws I cant even keep count. Id like someone look into this and please inform all so they never do business with any one of these companies or better yet, put these companies out of business and shut them down.
Consumer complaint received 2020-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NJ)

I noticed on XX/XX/2020 that my credit score dropped significantly due to a collection/chargeoff that was not mine nor I have never recognized before. I called the Bureau name ( Sequium Asset Solutions ) who said they don't have any information of me on file. They told me to call the Original lender ( 11 XXXX XXXX ) who also said they do not have any information of me on file as well. 11 XXXX XXXX  is a cable provider that does not even service the location I live in. This is a charge that is not mine and would like this removed from my credit report.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (CA)

I received a report from XXXX stating two accounts from XXXX XXXX XXXX were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.
Consumer complaint received 2020-05-05
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: Experian Information Solutions Inc. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 

failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.