davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX, I sent a letter via certified mail asking Equifax to verify their method of verification for the XXXX XXXX Bankruptcy that they are reporting on my credit report. They responded with a credit report cover letter dated XX/XX/XXXX stating that the data furnisher XXXX XXXX had verified the reported information as reporting correctly. However, on XX/XX/XXXX, I received an updated copy of my report from XXXX XXXX and a cover letter stating they had removed the Chapter XXXX Bankruptcy from my credit file. On XX/XX/XXXX, I wrote a letter yet again to Equifax via certified mail explaining to them that XXXX XXXX had removed such error. I provided documentation to them from XXXX XXXX, the letter from the Bankruptcy court stating they do not provide that information to any credit reporting agencies yet they still did not acknowledge the additional documentation provided. On XX/XX/XXXX, I received another response from Equifax with the exact same Information stating they had verified the information from the data furnisher XXXX XXXX. To add to this complaint, i filed a complaint with you back in XXXX regarding this same matter. Equifax responded to you that they had removed the Bankruptcy case ending in 1040 and that written confirmation would be sent to me within 7-10 business days. That never happened and here we are again with further proof of no verification yet they are still allowed to continue reporting such. 
You all have not assisted with this matter in any way to gain a resolution. I am no longer doing this with either of you and my next plan of action is to file a complaint with the FTC. I have attached all documentation and hope to get a resolution soon.
Consumer complaint received 2021-01-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (NY)

I have federal student loans with XXXX. I never had a late payments. My student loans went into deferment. There should be no late payments on my student loans if my monthly payment is XXXX. This is a big discrepancy for me it's hurting my quest for getting funding. I just want the late payments to be removed from XXXX XXXX and Equifax
Consumer complaint received 2020-06-25
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. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-25
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. (LA)

I have talked to XXXX, Transunion, and XXXX and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home for me and my family. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. I appreciate your assistance in this matter. Thank you.
Consumer complaint received 2020-09-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: TMX Finance LLC (SC)

On XX/XX/XXXX XXXX XXXX went to TitleMax on XXXX XXXX to receive a loan I explain to them that I would have a lot but not American side of me and I would like for that to be paid off and you get the balance back myself which would be {$1300.00} for me the lawn ask your mom was {$3500.00} which would pay {$2100.00} to North American title loan and leave me with {$1300.00} at that time Miss XXXX told me everything what to type She said you won 13 back for yourself so you asked for XXXX thats what you put in the box I said what about the part to pay off for the other loan she said yes that would be done and it all goes together I did what I was towed after doing this the money was placed on a debit card giving From TitleMax on XXXX XXXX to me in the amount of {$2100.00} she told me that the loan was approved and that I was able to get {$2000.00} I asked her if {$2000.00} was for me my spending she said yes I said thats more than I asked for I also asked if the loan was paid to XXXX XXXX XXXX XXXX she told me yes and with it being paid I still would receive {$2000.00} after the money was given to me it was automatically taken back off and give it to XXXX XXXX XXXX XXXX Which was not what I saw actually the contract is just a new contract for a new law that says nothing about the pay out loud also the percent rate is XXXX South Carolina maximum interest rate is XXXX by law they shouldve not been able to take the money off the card after it was given to me it was told it was for me and that XXXX XXXX was paid off in XXXX then telling me that I have to Pay {$12000.00} and six {$.00} on a {$2100.00} loan I believe that I am a victim of predatory lending I believe she knew exactly what she was doing I talk to the supervisor MrXXXX XXXX he told me there was nothing he can do for me I told them I wanted to cancel the loan that same day they told me no the next day which was Saturday, XX/XX/XXXX I spoke with a supervisor by the name of XXXX XXXX and he told me to ask XXXX XXXX XXXX XXXX for the money back that would be the only way to avoid the lawn guy told him I did not give it to them so he would have to get it back here and then told me that all he can do is ask them to buy the loan back from them at this point I really do feel like I was prayed upon there are laws that have been broken within the contract there was another contract written without another contract being closed and I still have nothing showing anything about XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-25
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. (KY)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX XXXX {$12000.00} DEPTEDXXXX   XXXX {$10000.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$1200.00}
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (NV)

On XX/XX/2022, I XXXX XXXX, a real person, called Equifax. I was directed to the their Specialist XXXX. I expressed they were reporting inaccurate information on my credit profile. The initial dispute was regarding my car loan from XXXX XXXX XXXX. The account # for the late payments is # XXXX. She gave me the confirmation for this dispute as # XXXX. XXXX XXXX stated I had been late in the past on my car payments and that she could proceed with the dispute but it will not guarantee it will be removed. Well I am now aware of my rights and this is a clear violation under the FCRA, under 15 U.S. Code 1666b ( a ). This law states : Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor ( ME ) has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. A credit card is defined under 15 U.S. Code 1681a means ANY CARD, PLATE, COUPON BOOK, or either credit device existing for the purpose of obtaining money, property, labor, or services on credit. I had to give my Driver License to proceed with the purchase of the vehicle, which is a CARD in fact. Please remove this inaccurate information as it it damaging my credit worthiness to lenders, as I am in the process of purchasing a home. If this is not removed, I will seek remedy under 15 USC 1681n for damaging my credit profile. We all know what I can sue for so just delete the items. I would also like a letter stating it was deleted and it be sent to the correspondences to email : XXXX.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

Our Mortgage is currently with PNC Bank. The escrow analysis was done incorrectly. They estimated our city tax to be the exact same as our county tax. County Tax is approximately {$1600.00} more than city tax. I have called to have them do another analysis and sent them the current city tax bill. They conducted another analysis with no change. They also paid the correct, lower amount, city tax bill out of the escrow account. We have contacted them several times trying to get this fixed. They always reply it will only take a day or two to complete then it will be fixed. We have been trying to correct this XX/XX/2020. This is impacts our monthly payment making it higher.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account 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 instruction
Consumer complaint received 2022-05-01
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. (GA)

On XXXX, 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states, that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days ; these items should be deleted promptly. 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 hands of the wrong person.
Consumer complaint received 2020-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (TX)

I am currently a customer of Quicken Loans with loan number XXXX. I am writing because I did submit a complaint to the state of XXXX XXXX  about my current situation. I moved out of the XXXX XXXX  apartment in XXXX and have since had a renter in the unit. Unfortunately, because of the state of the economy in XXXX, my apartment lost value and the mortgage has been under water since. The rent I receive from my renter does not cover all of the expenses in XXXX XXXX, and after much deliberation, I was finally able to get approved for at Short Sale in XXXX. Of course this could not have happened at a worse time, as the Coronavirus hit. My renter has always been very responsible and I have never defaulted on this loan with Quicken. But my renter did ask me this month if I was getting assistance from my lender for the mortgage because she may not be able to pay the rent. I told her I was not. Since she is so responsible she is struggling to pay me so that I don't default on the loan. This is an FHA loan and while I can not opt into a forbearance because I am approved for a short sale ( I have a a buyer - I had to get a second buyer because Quicken rejected my first buyer ). If I default, Quicken will report the default to the credit bureaus and I have really struggled to keep a default off of my credit report. My family is growing, we have to move into a different home in XXXX   and my father-in-law had XXXX so it affected my partner 's ability to add additional income into our home this month. For a company as large at Quicken to refuse to stop reporting to the credit bureau or to allow me to stop making payment for a loan that is under contract is ridiculous to me. There can not be so much red tape in this world that a company would refuse to help a customer who has never defaulted on a loan. I will say that I have been treated very poorly by Quicken since asking for the short sale, where I even had an argument with one of their service reps because she was uninformed. I am so concerned about cash as we are moving in two weeks and I have to come up with a deposit. I also paid the mortgage to quicken without actually being in the position to do so. XXXX is coming around and Quicken keeps delaying the close of this loan. I would appreciate any help as their response to the state of XXXX XXXX was that they gave me the option of forbearance ( but I would have to opt out of the short sale ). This is not option at all when what is clear is that I am financially strapped with no options. I will never work with Quicken Loans again.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX credit card company reported my payment 30 days late they also stated that i did not make a payment in XXXX which is incorrect i submitted my bank statement along with a disrupt letter to the company
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (PA)

My name is XXXX XXXX XXXXan, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NM)

I have

a Sears Credit card. The interest rate is 25.24 % ( D ) ( V ) the card is backed by CITI Bank. This card 's interest rate is exceedingly high and takes advantage of minorities with poor credit. I called to see if I could have my interest rate lowered. I was told there wasn't anything they could do to help me. My XXXX has been shut down by the government. I see that this shut down will effect my income for at least another year. I believe CITI / Sears is taking advantage of low income people who are being crushed by the loss of their jobs. I believe my interest should be lowered to 15 % at the very most. Sears is g
etting cheaper money from the FED and taking unfair advantage of its ' customers.
Consumer complaint received 2020-04-20
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: Navient Solutions, LLC. (TN)

My credit report shows Navient accounts XXXX & XXXX were reported 90 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX. Both of these trade lines are wrongfully negatively impacting my credit rating and as a result I have been denied credit and/or extended credit at a higher interest rate that I would have had these trade lines been correctly reported. The attached transcript ( XXXX  Transcript ) clearly states that my XXXX degree was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due ''. It also states " if you received a PLUS loan as a XXXX  or XXXX  student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Forebearance Period.pdf ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX Transcript.pdf ) therefore my XXXX  student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. Navient has incorrectly reported these two trade lines as late. Per the Fair Credit Reporting Act ( FCRA ) I have the right to dispute incomplete or inaccurate information ; Inaccurate information must be corrected or deleted within 30 days ; and I may seek damages from credit reporting data furnishers for FCRA violations. I have disputed these negative entries in the past but Navient came back and said they were correct. Based on the information/documentation provided these are clearly not correct ; therefore I demand that these two incorrect trade lines be removed from my credit report immediately.
Consumer complaint received 2020-06-25
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. (FL)

MY PERSONAL INFORMATION WAS STOLEN AND USED TO OPEN AND APPLY FOR FRAUDULENT ACCOUNTS SOMEONE USE MY NAME TO OBTAIN A APARTMENT LEASE, OPEN A CELL PHONE ACCOUNT, OPEN CREDIT CARDS WITH MY ID AND SOCIAL SECURITY NUMBER THESE ACCOUNTS DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

They are reporting that I was 30 days to only 2 of the three bureaus. I could not be late if I was on auto pay. They even refunded my late fees when they admitted it was there fault even told me they would fix the 30 day late and I got notification in my account today that I was lied to by XXXX. Very dishonest company. They also were supposed to send out a check for over payment and have been wait 45 days for that. They speak just lies. Do jot care about customer. Do not care about ethics.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed several creditors that I was not familiar that all date back to XXXX per my credit reports. I reached out to Transunion and XXXX in regards to the following accounts : XXXX XXXX XXXX   XXXX I requested to have these debt validated citing FCRA and FDCPA as a reference in XXXX. Per USPS tracking # XXXX and # XXXX these were both delivered on XX/XX/XXXX. Specifically, I requested they validate the information and provide with copies of any documentation associated with this account, bearing my signature. This exact language was used. To date, I have received updated credit reports showing the accounts in question have been " updated, '' but I have not received the requested proof of debt along with any documentation bearing my signature.
Consumer complaint received 2019-02-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (MA)

On XX/XX/XXXX I executed a clause in my lease that states if I get an appraisal and it comes out above the owed value, I can turn it in. This was the case, but the dealership ( Honda ) failed in sending the vehicle return receipt after giving me grief because they didn't understand the clause. 
Several times in XXXX I had to call the dealership and Honda Financial Services after I was charged {$250.00} for my XXXX payment, even though I executed the clause on XX/XX/XXXX, which should have ceased all payments thereafter. I completed the vehicle return receipt again mid-XXXX and the rep at HFS closed out the lease. Later, I was asked to send proof that I turned in the plates. I did that on XXXX/XXXX/19 and faxed the document to ( XXXX ) XXXX. I then called at least 5 times on XX/XX/XXXX and they argued with me, hung up on me, and placed me on hold 2 times and never came back. They refused to transfer me to a manager and stated the dealership needed to pay me the money. HFS and the dealership are under the same umbrella for ownership and they need to remedy their mistake. They also stated the vehicle return receipt was not on file, which it had to of been.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (WA)

I received an inquiry on XX/XX/2021 stating that there has been an inquiry for a mortgage. I just refinanced my home last month & don't recognize this inquiry for anything. I tried to call XXXX XXXX, XXXX  on Credco, nothing!!!