davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2020-04-11
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. (MO)

A year ago my wallet was stolen with all my identification in it and every since then my identity has been compromised. Accounts and attempted accounts been appearing on my credit file, unknown and unauthorized by me. Therefore, I'm demanding the the following accounts be removed and blocked from my credit file immediately. 

1. XXXX XXXX XXXX 2. XXXX XXXX   XXXX
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.
Consumer complaint received 2020-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (TX)

I have a brand new XXXX XXXX with less than 1400 miles on it. I have had it for two months. On XX/XX/XXXX, myy car stalled in 4 inches of water on the way to work and XXXX   Roadside Assistance was of no use. The electrical panel appears to be fried, as the car will not change gears, and the dashboard continued to display an error message about the retractable top, which was obviously not retracted in a rainstorm. Water never breached the cabin of my XXXX, yet it malfunctioned in a road lane? Does this mean I ca n't drive in the rain? 

XXXX  Roadside Assistance went through the trauma of verifying my telephone number four times over the course of ten minutes and then hung up on me, when all I needed was for someone to move me off of a busy interstate access road. They texted me that they would have a tow available in 60 minutes ( Case # XXXX ), and I was able to contact XXXX afterwards and they were able to assist me in 15 minutes. Why do you even offer this service, when you have so little regard for your customers ' safety? 

I have reported my concerns to the dealer, XXXX of XXXX in XXXX, Texas, and they are as kind as they can be, but at the end of the day, this isn't their concern. This is a problem with your craftsmanship and your inability to make good on the promises you make for your customers ' safety. How much do you really care about your customers if you aren't willing to respond to help requests? How much have I paid in hidden costs for XXXX  Roadside assistance, when they are unable to follow through on their promises and keep one of their customers safe? 

This is my third XXXX XXXX. I have owned a XXXX XXXX, a XXXX XXXX, and a XXXX XXXX XXXX. I  am reasonably sure I am going to make this my last XXXX, and my relationship with the brand may end as soon as this weekend. You seem to have such indifference to your customers, why shouldn't I buy a XXXX? 

So, in summary, I'd like these questions answered : Why did my car malfunction in 4 '' of water in a paved lane? 
Does this mean I ca n't drive in the rain? 
Why do you offer roadside assistance, when there appears to be little regard for safety? 
How much did I pay for XXXX  Roadside Assistance, since I'm certain someone has to foot the bill for the people who answer the phones -- yet do nothing? 
How much do you care about your customers if you aren't willing to respond to requests? 
Why shouldn't I buy a XXXX?
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO)

I initiated an international money transfer via MoneyGram on  XX/XX/2020 in the amount of {$1200.00}. Per MoneyGram, the money was supposed to be available in the recipient 's bank account in minutes. However, the transer status still showing " In Transit '' as I'm typing this compliant. I have reached out to MoneyGram on several occasions to inquire what's causing the delays and no one has been able to give an explanation as to why a transfer meant to be completed in minutes is taking weeks. The MoneyGram transaction reference # for this transfer is XXXX and the recipient country is XXXX. 

Also, this is not my first time sending money to the recipient via MoneyGram. 

Thanks, XXXX
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (OR)

I have attempted to file disputes and have information on my credit reports updated to reflect the current status, account balances, etc. of various accounts on my credit. Each time I attempt to file a dispute the companies decline to update my information to reflect accurate information. The following is accurate. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX XXXX XXXX. They informed me that I had a collection account for XXXX XXXX  company ( a past-due bill ). I paid the balance, per the settlement agreement in full. 

On XXXX I contacted XXXX XXXX XXXX XXXX company. They informed me that I had a collection account for XXXX. I paid the balance, per the settlement agreement in full.
Consumer complaint received 2021-08-28
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)

I sent a letter regarding inaccurate and unknown things on my credit report. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A. (VA)

The following credit card company reported a late payment on my account when in fact they were paid on time XXXX reported non payment after I paid the account out Sears change card company name, so did XXXX XXXX when the changed the payment went to the old company and the reported a late payment when they had the payments ; The company failed to put in place a process for the payments to go into the new account, nor did they check and placed the payment in XXXX the correct account apparently they just kept the money without applying it to the correct account ; Instead reported me late to the credit reporting companies, I have made request to correct the error to know availed, I submitted proof of payments
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CA)

I have repeatedly asked to reduce my monthly payment to a more affordable payment and my only option is {$800.00} a month. In order to keep this " low rate '' was forced into giving Navient my banking account information. This payment is almost the same amount as my rent payment.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (CA)

I have disputed this XXXX XXXX and it has not been corrected on my Equifax report. The account is still reporting wrong on my credit report but it is already closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file ASAP XXXX XXXX XXXX
Consumer complaint received 2021-10-20
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. (IN)

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 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have a XXXX XXXX XXXX XXXX XXXX reporting on my Experian Credit Report despite disputing via FACTA, additionally A FRAUDULENT and Police Reported XXXX XXXX Account is now reporting incorrectly on my credit report. I have gone to the Police Department and filed the applicable reports and forwarded to XXXX, Experian and XXXX, Experian is obstinate despite receiving the report in BLOCKING THE ACCOUNT! The account is FRAUD and reported to FTC, XXXX, XXXX and XXXX. It along with XXXX must be BLOCKED! PER FACTA DOES THIS CRA FOLLOW THE LAW?
Consumer complaint received 2016-09-12
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

Bloomingdales erroneously put " return to sender '' next to my mailing address so i never received a statement. 
Bloomingdales then put my account to collection I received at least 4 robo calls a day from collectors in florida and ohio for a month Finally i was able to speak with seveval managers in the credit department who notified me of Bloomingdales error I was promised a hard copy by mail for about a month before i received it as i said i need to see a statement before i pay a bill
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NY)

i have home depot credit card, this credit card charge 26.99 % interest .is this legal .can they charge what ever interest they want. i cant charge what ever i want .please investigate this credit 26.99 %. this is highway rubbery.this is not right.where is consumer protection against loan shark.
Consumer complaint received 2021-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP (TX)

Due to Covid I had to use the mortgage forbearance program, for that I was quite thankful. Then when I finally got back to work I started paying the payments and I was informed that the forbearance amount would be set under a non-interest bearing account. When I asked how to make payments on this account to shrink the amount over time I was informed that this was not an option. So, I contacted XXXX XXXX, who holds the forbearance amount. They said that it was 100 % possible and now I am staring down the barrel of an over XXXX dollar balance that they want all at once. During the lock down I burnt through my savings and simply can not pay that, I think that it is wildly unfair that I am not able to pay this down and it appears that the total amount has been not only inflated ( The amount quoted was at XXXX of which I have documentation ) I need help, I have tried talking to the bank and continue to make my monthly payments. But, this is too much.
Consumer complaint received 2021-07-04
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. (FL)

I AM REQUESTING A RUSH INVESTIGATION INTO THIS MATTER, LOAN PENDING. 

Complaint : I need the following bureaus to remove the errrant account that has been verrified and validated to be correct when it is absolutely 100 % obviously not when all 3 bureaus report something different. 

Targets : XXXX Equifax XXXX Please reference CFPB Compaints : # : XXXX - XXXX XXXX XXXX XXXX # : XXXX - XXXX XXXX XXXX > Passed to Comptroller of Currency # : XXXX - XXXX XXXX XXXX XXXX Again Dear Bureau, All 3 CRA 's above did not follow the Fair Credit Reporting Act Section 611 in the investigation of my disputes. They didn't follow any laws. 

They recieved the dispute, it automatically got sent to the collector who automatically generated an acknowledgement letter and then automatically generated a validation letter with the most recent account statement. Those documents are mailed to the person disputing hte innacuracy and they submit verification to the Bureaus. 

The Bureaus though, are supposed to conduct their own independent investigation into disputes and if they had done that in any of the disputes in this case it would be obvious that this account continues to report inconsistently and innacurately since I started disputing the account in XXXX of 2020. 

I want to know how the 3 bureaus above were able to verify based on their investigation that my dispute was not accurate and the company was accurate when the information I submitted in my dispute is 100 % not accurate or consistent and remained that way since appearing on my report.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

The Debt collection agency, XXXX sent out an order for the deletion of a collection account on my credit file to the XXXX credit bureaus ( Equifax and XXXX ) it was listed on. 5 days afterwards XXXX, deleted the item as requested by XXXX. Equifax on the other refused to yield to the request. XXXX issued XXXX AUDs on XXXX different occasions reiterating its decision to remove the derogatory item from my credit file. Equifax still did not yield. The latest credit report I just obtained has the credit file updated with collection item still listed. 
I made numerous phone calls to no avail. I was told to file a dispute by one of the Equifax representative which I did by mail with return receipt, to which Equifax sent an acknowledgement letter of receipt. But the outcome was to keep the item on my credit report against the advice of XXXX the company that put it on there in the first place. 
Attached is the correspondence between myself and XXXX XXXX, a senior compliance analyst at XXXX. 
As clearly stated, they have resolved to have the item removed. XXXX which is governed by the same rule of credit reporting has initiated the deletion, what excuse does Equifax has to blatantly refuse to comply? 

This has been ongoing for 2 months and Equifax has made my life miserable, I 'm unable to qualify for a mortgage that I so desire because of this. I have suffered XXXX also because of this. 

Please, please and please Equifax, delete this item from my credit file
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (MA)

Hi, I had a multifamily home, and I moved out to a single, it was rented out, the bank that owned the loan file bankruptcy, the new company that brought the loan said I did n't qualified for a modification because I did n't live there and its considered and investment property so they foreclosured when I did n't agreed to there terms. I told them I should get a modification and that mgl XXXX for foreclosures states that, they claimed that the mgl. XXXX does n't apply to me, because I did n't live at the property I was n't entitle to any modification or a 150 days right to cure, and was not allowed to find another bank that would refinance me. After I did n't agreed to their terms in XXXX XXXX 2015 they sent back my money and foreclosed on XXXX XXXX 2015. I tried to get back my property but they sold it to someone else.
Consumer complaint received 2020-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 

Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent
Consumer complaint received 2016-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

They have reported the wrong information from the beginning. They had the wrong amount reported. I went directly to the apartment complex that the debt was owed to and paid them the correct amount. On XXXX XXXX I sent them a copy of the letter showing the debt was paid. They contacted me XXXX XXXX saying I was responsible for paying by the end of the month. Once I explained everything XXXX XXXX stated she saw where the information was received and they will verify its validity. At this point I had already filled a complaint on the XXXX. XXXX XXXX comes back and tells me no record of the information was received after I told her it was sent to a XXXX XXXX. I forward the email to her and magically they received it. There has still been nothing done. I want this resolved. It is getting extremely annoying that it has taken over a month for something to be done.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

EQUIFAX SOLD A CREDIT COMPANY XXXX XXXX XXXX A DEBT I HAD ON MY CREDIT FILE AFTER IT WAS 10 PLUS YEARS OLD WHEN ACCORDING TO FCRA LAWS A DEBT IS NOT ALLOWED ON YOUR FILE AFTER 7 YRS. WHEN EQUIFAX WAS WRITTEN A LETTER IN XXXX BY ME THAT THIS DEBT WAS FROM 2004 AND SHOULD NO LONGER BE ON MY CREDIT FILE AND TO REMOVE IT AT ONCE THEY. ( EQUIFAX ) SOLD THE DEBT TO XXXX XXXX XXXX XXXX IN XX/XX/XXXX INSTEAD OF ABIDING BY THE FCRA LAWS " NO DEBT CAN BE REPORTED ON A CREDIT FILE AFTER 7 YRS. " A CLEAR VIOLATION OF A FCRA LAW. WHEN I WAS NOTIFIED BY XXXX XXXX XXXX XXXX IN XX/XX/XXXX I TOLD THEM WHAT OCCURRED THAT EQUIFAX SHOULD OF AND WAS NOT ALLOWED BY FCRA LAW TO SELL YOU THAT DEBT AND I SHOWED THE CREDIT FILE THEY IMMEDIATELY SENT ME A LETTER STATING THEY ARE NO LONGER COLLECTING ON THIS DEBT AND I AM NO LONGER OBLIGATED TO PAY THIS DEBT. THEY HAVE VIOLATED MY RIGHT AND I WANT THEM TO REMOVE ALL NEGATIVE ITEMS FROM MY CREDIT REPORT AND HELD ACCOUNTABLE OR I WILL SUE THEM IN COURT FOR XXXX XXXX DOLLARS ALLOWED BY THE LAW ...