davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Northstar Location Services, LLC (MO)

NorthStar Location on behalf of XXXX XXXX is needing us to speak to the company about form 4205 and making arrangements to have final debt resolved. 

Need Form 4205 sent to XXXX XXXX XXXX, XXXX, XXXX XXXX MO, XXXX Have been having issue with getting the product we were supposed to have paid for in 2017 with car dealer and their financial partners. I was promised fair financing and a vehicle that wouldnt put myself and others in danger. I received a letter stating the vehicle was recalled due to class action and that I would need to submit a claim and await a decision. I had no control over the defectiveness of the vehicle nor the financial partner tying us to the defective vehicle beyond the loan paperwork. I had called in to the financial partner who is the lien holder in the situation and advised about the recall and need to workout a payment arrangement and they were originally not willing to help us in the situation unless I made payments on the vehicle which our contract was voided when the manufacturer voided the warranty and was forced to repay for the damages on the claim. Currently the only thing stopping the manufacturer from paying is me having the vehicle registered in my name, which I can not do because the paperwork sent to the financial partner was sent to the XXXX in XXXX XXXX and not to me to proceed forward with getting the vehicle registered. Previous attempts to have the buyback request completed and them paid or previous attempts to workout payment arrangements has been consistently a headache. I spoke with NorthStar Location who was thankfully able to work with Client Relations to have them forward the signed document I faxed from our local XXXX XXXX XXXX, but I only need it signed and returned, not forwarded or bounced or assumed just sent back to me, so I can complete the next step in getting them paid and it seems they and sometimes when I call North Star Location to resolve the matter they, particularly XXXX XXXX XXXX, has stated that the matter needs to be handled between XXXX and myself ( when XXXX sends me to them and via a verse ). Ive been asked why the manufacturer hasnt paid sooner and various other things that are beyond my control or really function or office and ministry, but what I can say is that it would be such a blessing if they would hear the circumstance and not try to make additional emotional damages when I call with a plan to resolve the matter, but treat me like someone trying to resolve an issue that I tried to previously fix when circumstances were beyond my immediate control.
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

So not only after I file a complaint with the credit bureaus about my information being incorrect. 
All of my credit scores drop below XXXX. For what reason I dont know. I cant even view reports and or call to talk to an agent. My phone is always send to the answering machine.
Consumer complaint received 2022-02-16
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. (MI)

I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX 'S XXXX of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.P.M. Group LLC (OR)

I was called by a someone on XX/XX/XXXX at XXXX am who said their name was XXXX XXXX with IPM group who said I had an outstanding payday loan debt from XXXX. He had all of my personal information including address and social security number. He was very aggressive in me having to make a decision to pay them, while being flighty about company details. He called me from an oregon cell phone number ( XXXX ) but claimed his corporate office was in Texas. I asked to speak to a supervisor and he said he was the supervisor. I had pressured him further to speak to someone else, I could hear him hand the phone to someone else who was aggressive who said their name was " XXXX XXXX ''. I asked for a first name and was given XXXX XXXX. When I asked for company information he said " we are not doing this '' and hung up on me. I called back asking for more information from XXXX XXXX who continued using the phrase " are we going to be able to make this payment happen or will we have to move this forward? ''
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I am writing to express my serious concern about the disputed accounts on my credit report. I have repeatedly brought these inaccuracies to your attention and consistently requested thorough investigations. Despite my ongoing efforts, no resolution or corrective action has been taken. These errors are causing significant damage to my credit file and are severely affecting my ability to live a normal life. The impact of these inaccuracies has created considerable hardship for me, leaving me with no choice but to urgently seek your help in resolving this issue. 

I respectfully request a comprehensive investigation into each of these disputed accounts. It is vital that the necessary steps are taken to update and correct my credit report without further delay. With your assistance, I hope to restore the accuracy and integrity of my credit file and regain control of my financial well-being. I strongly urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

After filling a complaint against Select Portfolio Servicing on XX/XX/2022, concerning the closure of my escrow account, pertaining to my home taxes and home insurance. And after I complained about receiving my monthly statements late, I was notified on XX/XX/2022 that SPS had caused my credit to drop XXXX points. I have never paid a payment late. SPS is practicing unscrupulous, corrupt behavior. SPS did close my escrow however, now the payment is wrong. It shows principal and interest as {$550.00}, when the correct amount is {$530.00}. What this company is doing is illegal and they are not complying with the law. It is against the law to report lies to the credit bureau out of retaliation. The practices within this company is against the law.
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Profit Recovery, Inc., Marlborough, MA Branch (TX)

American Profit Recovery said my credit score would be damaged forever if I refused to pay this collection account debt to them. The service for these charges was never authorized by myself and were disputed directly with the original creditor. Ive never provided my social security number to the original creditor or American Profit Recovery, but they somehow obtained it and misused it to report a collection account debt for unauthorized charges.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balanced {$830.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balanced {$1300.00}
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Theres no way to contact TransUnion or XXXX unless you sign up for their credit monitoring service, both of which are useless. 

Back in XX/XX/2021, we had to buy a new heat/ac unit for {$6500.00}. XXXX XXXX gave us a 0 % interest 60 month credit card account. The payment is drafted each month. TransUnion and XXXX lowered our credit score XXXX points. 

We just refinanced our home on XX/XX/2021 for {$340000.00}. This lowered our interest rate 75 basis points to 1.75 % and lowered our payoff by 8 years. TransUnion and XXXX lowered our credit score XXXX points. 

XXXX XXXX reported l missed a payment, 3 years ago, when it was actually their fault. Posted to wrong account. XXXX XXXX corrected it and notified TransUnion and XXXX. They lowered my credit score XXXX points, no explanation as to why. Should have increased. 

We just paid off 3 loans totaling {$37000.00}, no change noted in credit score by TransUnion or XXXX, should have increase. 

Ive tried for 6 days to contact TransUnion through there 800 number, a complete waste of time. All you get is a recording and youre caught in a loop going no where. 

Im a retired XXXX XXXX XXXX XXXX and realize TransUnion and XXXX are not properly reporting or responding to consumer complaints. 

Thanks for your time, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
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. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

This is not a duplicate complaint. I informed chase bank that my delay in notifying them was due to extenuating circumstances and they did not extend the time as pursuant to 12 CFR Part 1005.6 ( b ) ( 4 ). In the attached letter from chase bank, you will see that they refer to the 60 day period which means they are aware of 12 CFR part 1005.6 ( b ) ( 4 ) and chose to ignore it.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I was advised by my mother and confirmed by a female banker by the name of " XXXX '' at my bank, Wells Fargo ( Bank ID XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL ) they mistakenly linked my accounts to my mother 's accounts and sent her a hard copy of ALL of my account balances/statements. This was a very personal breach of confidentiality and Wells Fargo should be monetarily and harshly sanctioned. Not only does she have my personal account balances but ALSO my business account balances. This is true negligence on the part of Wells Fargo. " XXXX  '' is going on vacation STARTING XX/XX/XXXX and will not be available to discuss this for an entire week ( as she advised me today ). This has been escalated to the bank manager. 

XXXX XXXX
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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

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

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

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

XXXX {$450.00} XXXX XXXX Bank {$350.00} XXXX Bank {$1000.00} I did not authorize these charges an ex from my past made these charges after my card was stolen i tried to explain to the banks they act like they dont understand. im trying to dispute these charges. I need these removed off my name completely! 

I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-03-17
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. (MI)

As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Experian to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX XXXXXXXX Balance : {$620.00}
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I currently have 3 pending complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the accounts are to be deleted off my credit report while the investigation is in progress. Please ensure XXXX XXXX Equifax remove the following accounts off my credit report until the investigation is complete. 

Complaint ID XXXX XXXX XXXX
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY (MO)

My name is XXXX XXXX XXXX and my AMEX account with the account number XXXX is still being displayed on my credit report despite the fact that it has surpassed the 7 year statute of limitations. This must be removed because of the illegal practices that has been made. I've already sent dispute letters to both the Credit Bureaus and AMEX and up until now there was no resolution that occured, Kindly take action to address this matter.
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, FL XXXX
Consumer complaint received 2022-03-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NY)

I have received letters from Cardinal Finance stating my request for forbearance isnt complete.I callled to go over the options and I was directed to Consumer Finance. The person simply stated I was in forbearance and there was nothing I needed to do. I asked what I need to do when forbearance is over because I can not make balloon payment and she directed me to contact CFPB. 

I also called because my escrow has increased 2 times in the 15 months in 7 months. When I called to ask why it keeps increasing I was placed on a long hold and was told to call my town or insurance company. My mortgage rate has increased over XXXX in 15 months and I asked how much I need to pay to have my monthly rate back when I purchased of {$2500.00} I was given an incorrect amount and I still do not know how I can pay the escrow shortage or what the amount that has to be paid. I can never seem to get assistance I am always directed elsewhere and it is very frustrating.
Consumer complaint received 2022-03-29
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. (AL)

I called Experian and spoke with XXXX about an incorrect address reported on my credit report. They didn't investigate, but told me to call XXXX XXXX ( XXXX ) XXXX. I called and they refuse to remove it stating it isn't hurting anything. I keep explaining that it isn't my address and if I have to verify my account for one of the credit bureaus that I won't be able to to because that information is false. 

1 ). XXXX XXXX XXXX XXXX XXXX Maryland XXXX