davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (IL)

My loan agreement was dated XXXX I took out a title loan, and upon making my first few payments, i asked what my balance was. The amount i was given, was higher than the initial loan amount. I payed over the payment amount of {$170.00} each time. I paid {$200.00}, {$200.00}, and {$240.00}. 
When i applied for the loan, and signed everything on the computer, i had no idea of what i was getting myself into. I had no idea, until i complained, and they explained to me that my monthly payment had to be accompanied by a daily fee of {$5.00} and some change. 
My complaint is that title max charges predatory fees. I complained to the attorney general, and upon them looking into the complaint, called me and told me that even though it is predatory, I needed to complain to the legislators to get something done. They said that they counld not do anything about the issue. I did take out this loan, but i had no idea that i had to pay a monthly fee of {$170.00} plus over {$5.00} daily each month, and that anything paid over that amount would count toward my principal. 
I caught the XXXX XXXX, as well as lost my job, and the interest never stopped.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I WAS TOLD I BELIEVE THE DATE WAS XXXX/XXXX { GIVE OR TAKE A DAY OR TWO WITHIN THAT DATE } THAT CITIZENS BANK WAS FINALLY GOING TO CORRECT NEGITIVE INFORMATION ON ALL THREE CREDIT BUREAUS. AND GIVE ME AND MY HUSBAND A GOOD WILL ADJUSTMENT AND THIS WAS GRANTED ON XX/XX/XXXX BY CITIZENS AND THE NEGITIVE INFORMATION THAT THEY HAVE BEEN REPORTING FOR THE PAST2-3 YEARS WOULD FINIALLY BE REMOVED/UPDATED. I WAS ALSO TOLD THE SAME INFORMATION ON XX/XX/XXXX AS WELL. BUT WHEN I CALLED THE FOLLOWING WEEK I WAS TOLD THAT WAS NOT TRUE THEY WERE NOT GOING TO DO THIS AND THEY SAID THEY NEVER TOLD ME OTHER WISE. I HAVE REQUESTED SEVRAL TIMES THAT THEY PULL THESE PHONE CALLS OF THEM TELLING ME I WAS GRANTED A GOOD WILL ADJUSTMENT AND THIS WAS SUPPPOSEDLY SENT TO THIER RESEARCH DEPT. I HAVE YET TO HEAR ANYTHING I WAS TOLD SOMEONE WOULD CALL ME AND I HAVE HEARD NOTHING. THIS IS NOT THE FIRST TIME CITIZENS HAS LIED!!! I NEED THIS INVESTIGATED THIS IS DRASTICLLY HURTING MY CREDIT REPORT AND I NEED THEN TO GRANT THIS ADJUSTMENT LIKE THEY SAID THEY WERE GOING TO. I HAVE BEEN DISPUTING THIS WITH THIS COMPANY CONSTANTLY FOR THE PAST THREE YEARS A LENDER SHOULD NOT BE ALLOWED TO DO THIS TO ANYONE!
Consumer complaint received 2020-11-20
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)

I was notified while attempting to obtain employment that I have an outstanding balance of XXXX dollars on my credit report ( Experian ). This balance is being reported from the State of Michigan office of XX/XX/XXXX I do not owe this balance and my case is closed. I spoke with them today and they stated that they sent this information to the credit agency ( Experian ) in 2019. My report still showing a balance and as a charge off.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

I have spoken to each company and fraud department and the Police department!!! 
Yet they agree with me and state they will remove the accounts from my credit report!!!! 
Yet they return and update with the same errors and inaccuracies!!!! 
The Police Report should be more than enough for all the companies on my credit report playing these games charging off, selling private information about me over and over and over again and again Long term chaos!!!!!
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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (NY)

I filed an dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation results. XXXX is reporting Midland credit as open account, collection and derogatory account at the same time which is in violation of the credit bureaus and my rights. XXXX  is also reporting XXXX and XXXX which has been deleted of XXXX  .I demand the credit bureaus take off everything I didn't authorize. The companies owe me {$3000.00} dollars for violation my rights. Thanks
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (TX)

I deferred my student loans due to my XXXX and my loans were sold back and forth between Nelnet and XXXX. Each time they would redo all the negative late payments on my credit report on all 3 credit reporting agencies for all 8 student loans. I was awarded a waiver based on my XX/XX/XXXX( Total XXXX ) service connected from when I was in the military. The negative 120 Day late payments were removed and I thought I was able to move forward. They have since been put back on my credit report, again and again and again. I have constantly battled with this for years submitting new evidence each time and still having the 2 sister companies Nelnet and XXXX repost the late payments 30/90/120 days to my negative credit transactions. 

I really want to get a loan and I am looking to purchase my first home as a XXXX vet and have been unable to because of these huge delinquent hits to my credit. The loans show paid but all the negative history remains even though they were " supposed to be in deferral '' and were sold. When I called they said once they are sold they are put back into delinquent status. This seems like an unfair practice and if the XXXX companies are sister companies it feels like tax fraud may be involved also.
Consumer complaint received 2021-01-18
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!
Consumer complaint received 2022-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The following items need to be removed and blocked as they are fraudulent. 
XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2007
Consumer complaint received 2022-11-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DC)

Inability to remove incorrect address Address ID : XXXX Report number : XXXX It is not a multifamily home at XXXX XXXX XXXX XXXX Washington , DC XXXX. The correct address should be ( with the XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX ( which appears to exist on the Experian credit report as Address ID : XXXX ; Report number : XXXX ) The phone and portal prompts both went in circles, not allowing for dispute filing.
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (UT)

We recently decided to refinance our home with our credit union after trying for over a year to remove our PMI with our current mortgage company. The agent that is helping us at the credit union contacted us on XX/XX/XXXX stating that our current mortgage company ( Specialized Loan Servicing ) reported on our credit that we're in a deferment and we'd need to be current on payments to proceed. Our credit report it is showing our last payment we made was XX/XX/XXXX. We have never requested assistance nor have we ever been late on our monthly payments. I contacted SLS on XX/XX/XXXX and they said they'd send an email stating that we are current on our loan and never requested the deferment. After waiting several days with no email, I contacted them back XXXX on XX/XX/XXXX XXXX. I was told we'd have an email no later than Monday XX/XX/XXXX. We never received the requested email so I contacted them back on XX/XX/XXXX. Due to heavy call volume, I was forced to do a call back for a later time. I got a return call on XX/XX/XXXX and was transferred to a relationship manager for resolution. XXXX stated that they do not send emails however, an official letter could be mailed to me stating that we aren't in a deferment and also that he was sending something to the credit report to be updated. We received two letters Saturday, XX/XX/XXXX from our mortgage company. The first letter stating that they have received our documentation as part of our request for mortgage assistance but they need more information and the second stating our account has been transferred to the customer resolution department due to potential or existing delinquency. Both letters also state that they are required by Federal law to advise us that this communication is from a debt collector. Again, we have never been late in our payments and have never requested any assistance. We've been battling this company for several months now to remove our PMI. They finally sent an appraiser to our house in XXXX and even followed up with a phone call stating it would take 30-90 days to review. I never heard anything back and every time I call customer service, nobody can help me. I was even told that I couldn't speak to a supervisor and was hung up on. I have spent countless hours trying to get resolution with this company. The false reporting to our credit was our bottom line.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 I contacted Equifax, XXXX and XXXX requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. I attempted again on XX/XX/2021 and XX/XX/2021 1. XXXX XXXX XXXX : {$9700.00} Paid in Full Please supply information on how you have verified this item. This account has been settled 2. XXXX : {$10000.00} Please supply information on how you have verified this item. 

3. XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report.

4. XXXX XXXX - Paid in full {$0.00} Please investigate and delete from my credit report.

5XXXX XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report. 

6. XXXX  -Paid in Full amount {$0.00} Please investigate and delete from my credit report. 

5. XXXX XXXX - Paid in Full amount {$0.00} Please investigate and delete from my credit report.

6. 12 XXXX - Paid in Full {$0.00} Please supply information on how you have verified this item. 

Thank you, XXXX XXXX
Consumer complaint received 2022-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX. I did not authorize these inquiries XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. I did not authorize these inquiries XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Consumer complaint received 2020-11-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (GA)

On XX/XX/XXXX, my home was sold. Flagstar Bank, the mortgage service, was told repeatedly the sale was pending and assured me that all was fine. I received a settlement statement and forwarded the information to the title agency handling the matter. The closing occurred, I paid all fees due from me to settle the mortgage with Flagstar and on XX/XX/XXXX, while the payment process was occurring, Flagstar sent an escrow payment to XXXX XXXX, NJ for property tax. XXXX XXXX received property taxes from the title company for taxes and its been recorded with the township. As well, the deed is transferred. Flagstar is refusing to accept the wire of the mortgage payment due to an uncashed check, they sent. In addition, Flagstar is attempting to add the tax payment they sent but also interest because of their refusal to take the complete payoff. After numerous attempts to resolve this matter, via email and phone calls, Flagstar refuses to look into this matter. 
My last call was XX/XX/XXXX with a manager named XXXX. I have a transcript form XX/XX/XXXX of a chat conversation with a rep named XXXX, spoke to a rep named XXXX on XX/XX/XXXX, and called Flagstar XX/XX/XXXX about the closing and also called again on XX/XX/XXXX and XX/XX/XXXX to be sure there were no problems. At no time has Flagstar informed me of any issues until I saw an increase in the escrow payment after XX/XX/XXXX while the title agent was in touch with Flagstar.

I contend the Flagstar is attempting to obtain more fees from me instead of properly searching for a missing check and looking into why they are charging more money for a house that was sold. They have been given the names of workers in the township tax office, but refuse to call anyone about the check or their negligence.
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 5. Identity Theft XXXX XXXX XXXX Case Number : XXXX As A Consumer By Law This bankruptcy Must Be Removed Immediately. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX  Account Number : XXXX Delete this account. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX 13. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today XX/XX/XXXX I was at XXXX XX/XX/XXXX to obtain a personal loan to help me get by the pandemic. But, I was denied and I was denied because of negative accounts that do not belong to me XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my personal information to open the accounts above. I did not receive any money, goods, services, or any other benefits as results of these accounts being open under my name. I need these accounts blocked from my credit report because they are a result of identity theft.
Consumer complaint received 2020-11-05
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. (GA)

To whom it may concern, On XX/XX/XXXX I mailed out three ( 3 ) dispute letters one to each of the credit reporting agencies XXXX, Equifax, and XXXX XXXX under the FCRA section 609 ( a ) ( 1 ) ( a ) law to conduct and provide me with proof of the original contracts with my signature on negative items and inquiries that are being reported on my credit reports are mine and they have yet to do so within the thirty ( 30 ) days that they are allowed to have in order to prove ownership and accuracy of information that is being reported.There has been no correspondence with them providing me with any information or update on the status of my disputes. Also on XX/XX/XXXX I sent out three ( 3 ) thirty ( 30 ) day demand to comply letters, one to each of the credit bureaus XXXX, XXXX, and Equifax because they have broken the law by not providing proof or correcting the items being disputed in the time frame permitted by law.