davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I spoke with a representative in the Consumer Affairs Division of Experian regarding false/inaccurate information that is intentionally and willfully being reported by Experian, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( the debt collector ). I provided indisputable proof, by way of fax, that shows the amount of {$1000.00} was the amount owed, according to the Court ; however, Experian, XXXX XXXX, and XXXX XXXX systems tripled the amount to XXXX and has been wrongfully reporting {$2900.00} for about six ( 6 ) years. The are all aware that under the Fair Credit Reporting Act that inaccurate information must be deleted ; however, they continue to DEFY the law in an attempt to oppress and cause further harm by continuously reporting information that they know to be false. Further, I was told by the assistant leasing agent that I could move -- with no further financial obligation- after reporting several incidents involving safety and other criminal activities by people XXXX had allowed to move into the community. Further, I did not receive Notice of the Court date, even though the correct address was in the Court 's file and on my counterclaim. I have no doubt that had I been provided with Notice ; the outcome would have been quite different. Nevertheless, Experian is reporting information that it knows is false, and I asking for assistance in correcting this matter right away.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO. (PA)

This is my refilling of complaint to FORD MOTOR CREDIT CORP for allowing unauthorized inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Consumer complaint received 2017-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

some inquiries were removed from my credit report and added back on and I was not notified at all within 5 days in which that is a violation of my FCRA sectio n 611 ( a ) ( 5 ) ( B ) ( ii ) you are required to notify me of the reinsertion in writing within 5 days and failed to do so. I did n't notice these inquiries were added back on until I recently pulled my credit in which I contact trans union several times the first time I ca lled and spoke with  XXXX  and she informed me th at trans Union ha d a glitch but would not help me I also spoke with a different representative name  XXXX  I believe that 's what he said I really could not understand either representative but they refused to help me with my matter.
Consumer complaint received 2019-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (CO)

Applied for a refinance loan through lending club to replace a higher interest rate loan I already had with them. The amount requested was the same as the balance on the existing loan. The loan was denied for the reason : application incomplete - unable to verify physical address. 
I don't know what their steps are to verify an address but they never inquired of me for any proof. I live at this address so I know it exists. 
I suspect they denied the loan since they wanted to maintain the high interest rate.
Consumer complaint received 2017-06-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I took out a loan for {$7500.00} from Huntington National in XXXX 2007 to pay off some credit cards. It was just a regular installment loan, covering 10 years. I did n't realize until the next tax season that it was actually a home equity loan. I never negotiated that. I was mad at first because the interest rate -- I believe around 9 percent -- was way too high for a home equity loan. But I did n't go back and dispute because I was able to write off the interest at tax time. Since the loan is about to mature, I called Huntington about a payoff quote. From the conversations I had, I learned that for nearly 10 years, my automatic payment was being withdrawn on the XXXX of the month, eight days after the due date of the XXXX! I was told they have no record of me agreeing to do this. Since there is a 10-day grace period I entailed no late charges, but I discovered for the last near 10 years I have been paying additional interest eight days each month. So during the 116-month span I 've had the loan, I 've paid additional interest on eight days per month -- a total of 928 days.
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

On XX/XX/XXXX, there was a Loan Modification Agreement made between myself and Ocwen Loan Servicing, LLC, Lender/Servicer or Agent for Lender/Servicer. ( Ocwen Loan Servicing is a debt collector attempting to collect a debt ). The reason I applied for a loan modification was because I was struggling to pay my mortgage. My mortgage payment at the time was for {$1200.00}. I requested that they lower my monthly mortgage payments, so that I may be able to comfortably afford making my mortgage payments on time. On XX/XX/XXXX, Ocwen modified my loan for the amount of {$1200.00} and they added to my loan a Balloon Payment Disclosure. I was not happy with the terms of my loan modification and especially with the balloon payment disclosure. However, I was pressured by Ocwen Loan Servicing into signing the modification and the balloon payment disclosure. I did not agree with the balloon payment disclosure, but I was informed by Ocwen Loan Servicing that if I did not sign the balloon payment disclosure, they would turn down the modification and proceed to foreclose on my property. As of XX/XX/XXXX, my mortgage payment increased to {$1200.00}. On XX/XX/XXXX, I called XXXX XXXX in order to apply for refinancing of my home ; and they informed me that Ocwen was showing that I was past due {$1200.00} on my mortgage and that Ocwen is stacking me with late payments on a monthly basis. Also, Ocwen Loan Servicing has destroyed my credit. Ocwen is not currently updating their records. I am current on my mortgage payments and they are not disclosing and/or updating the records to show that I am current on my mortgage payments. XXXX XXXX informed me that I will not be able to refinance until the accurate information is shown on my payment history and this important matter is resolved, because I am currently high risk. In addition, I am seeking legal services.
Consumer complaint received 2017-07-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ID)

XXXX XXXX XXXX is reporting to all 3 credit bureaus that I had a late payment in XX/XX/XXXX. They are reporting this late payment on the 3 credit bureaus that I was 90 days late in XX/XX/XXXX. This inaccurate reporting is destroying my credit. I have called XXXX XXXX XXXX multiple times and have mailed 2 certified letters ( which they signed for ) asking that they provide me with the proof that this information being reported is accurate. I have asked repeatedly for canceled checks or any documents that show I paid these loans 90 days late. There has been numerous times when XXXX XXXX XXXX sold or transferred my student loans to various lenders which in turn would show my payments as late. The fact that XXXX XXXX XXXX sold or transferred my loans to different lenders without my consent, ultimately showing my payments as late was not my choice. I am in the process of trying to purchase a home and the fact that XXXX XXXX XXXX is showing these loans as 90 days late inXX/XX/XXXX is inaccurate and is ultimately affecting me in a negative manner. I 'm asking that XXXX XXXX XXXX provide me with a copy of the canceled checks as proof that these payments were paid late, or to remove the negative items that they are falsely reporting on my credit.
Consumer complaint received 2017-06-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY (NH)

My bill pay check was not dated until XX/XX/XXXX, but the funds were made unavailable by the bank. As soon as I find out, I called the bank at XXXX on X/XX/17. He placed me on a long hold, telling me that he would try to cancel the bill pay and make the funds available. After a few minutes, he said he or his manager would call back. I never heard back from anyone. I then called the bank at my lunch, and they informed me they would not make the funds available. They essentially told me they could do whatever they wanted and did n't have to respect my wishes to cancel the transaction I feel this is constitutes deceptive and unfair business practices.
Consumer complaint received 2017-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

While reviewing my recent credit report, I found several unauthorized inquiries as well as incorrect accounts. I sent a certified letter to XXXX, as well as submitted disputes online asking them to remove the inquiries and both verify and validate the accounts in question. Today I received a letter via mail, explaining that I did not need to give consent for inquiries to be given on my credit history. As these are inquiries that are not associated with any account, I do not agree that any company should be able to request my credit file without my written consent. They still have not provided validation or verification of the debts shown.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (NV)

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. 
XXXXXX/XX/XXXXXXXX XXXX : {$0.00} XXXXXX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX Balanced {$3500.00} XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Balanced {$2600.00}
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had an existing mortgage with Capital One that I was in the process of refinancing in XXXX of 2017. I knew my closing with the new lender would be around X/XX/17 which was before the tax payments were due at the county ( XX/XX/XXXX ), this would mean that the new lender would require me to bring the tax money to closing. I therefore called Capital One to ask them not to disburse the payment to the county. They claimed they could not do that and in fact around X/XX/17 claimed they had already sent the payment ( they did not disclose that they had only disbursed funds to XXXX who aggregates tax payments for them and sends it to the county at a much later date ). When my refinance closed I called the county to verify that the taxes had been paid by Capital One, but they had not since XXXX had the funds at the time. As a result I had to pay the taxes at closing. I then called Capital One to ask them not to send the payment to the county, but they claimed that the payment had already been issued and that I would have to wait and get it back from the county. When the county confirmed that double payment happened ( X/X/17 was when they received the money from Capital One ) I called the county to ask them they refund the funds directly to me. They said they could not do this without Capital One 's authorization. I called Capital One to ask them that they provide a document so that I could request the county to send the money to me, but Capital One claimed they could not do this. The county issued a refund check on X/XX/17. I am writing on X/XX/17 and I still have not received the money from Capital One. As a matter of fact Capital One has still not received it from XXXX. Every time I call they give me a data in a week 's time ( X/XX/17, X/XX/17, X/XX/17, etc ) but never acknowledge the fact that my money is sitting in a bank account earning interest for XXXX instead of being disbursed to me. I am requesting that Capital One immediately mail to me a check for the amount of XXXX which through their incompetence and lack of cooperation have been holding hostage from me. They had the capability to avoid the trauma for me but simply did not care to provide efficient, prompt customer service by claiming there was no way to : 1. stop payment on X/XX/17 when I provided proof that the taxes were paid. 2. Request a direct reimbursement from the county to me when I asked this process be done. 3.  Provide a prompt check to me once the funds were sent back from the county.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (PA)

Back in XX/XX/XXXX, I received a notification my credit score dropped due to a collections account with Penn Credit Corp ( PCC ) on behalf of XXXX XXXX XXXX ( XXXX ). I have never had XXXX as an electric service provider. I contacted PCC and was instructed to contact XXXX. XXXX told me I needed to file a police report, which I did, then they needed me to fill out a questionnaire and provide documents such as, drivers license from XX/XX/XXXX ( when the fraudulent account was opened ), a utility bill from that time, and my residence history from XX/XX/XXXX to the present showing I never lived at the address where the electric company was servicing somebody using my name and SSN which i completed on XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX stating they received enough information to remove the balance of XXXX from my active account ( It was never my account ) and the collections account was removed from my credit report. <P/>This past week, I received another negative collections account on my CR for the same thing! I contacted Penn Credit, they said XXXX is saying they never received a police report. I contacted XXXX and they told me they do n't know why PCC opened up the collections account again because they had everything and the investigation was closed in XX/XX/XXXX. I contacted PCC again, was transferred to the same supervisor twice ( XXXX ) and both times as I started to tell my story was hung up on. PCC shows evidence of weak CMS and furnishing to CRA 's. Furthermore, XXXX removed the negative account the first time and it was through XXXX again that re-opened the collections account on my CR. I provided the letter from XXXX showing the close of the investigation in my favor and a screenshot showing the open collection account from PCC and right below the previous claim for the same account and money being closed! I saved everything from the original investigation, including the police report of stolen identity and the fax transmission pages from the police station to XXXX and from a hotel in XXXX XXXX to XXXX for the additional documents and questionnaire needed to be filled out.
Consumer complaint received 2017-07-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (NV)

Called on XX/XX/XXXX and doing the year tried and asked for information to settle the debt. to get removed {$450.00} XXXX XXXX account XXXX
Consumer complaint received 2017-07-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX ca, XXXX, is the collection agency that is insisting they are correct, when they 're not. My XXXX XXXX XXXX is a XXXX # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my XXXX. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix it.
Consumer complaint received 2017-06-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (CA)

XXXX XXXX XXXX has assigned your account to Monterey Financial Services, for servicing. As authorized, we have set up your account for debits of {$18.00} from your bank account each month on your due date. If you have any recent changes, or anticipate any changes with your banking relationships please give us at least 2 business days notice prior to your draft date to allow for changes. If you did not authorize automatic payments we will send you a coupon book in approximately two weeks. New Account Number : XXXX Balance : XXXX Late Charges : XXXX Monthly Payment : XXXX Next Payment Due : XX/XX/2016 Amount Currently Due : XXXX Early Payoff Amount : XX/XX/2016 Early Payoff Expiration : XXXX I applied with XXXX XXXX XXXX at XXXX XXXX 's for my daughter 's car repair 's to get her ready for a long trip to Wisconsin she is in the Military, was very important to me. I found out that XXXX stopped using XXXX so I used the XXXX XXXX and I was unaware of the Company called XXXX XXXX was the institution that was in charge of collecting the payments for XXXX XXXX XXXX. XXXX XXXX owns XXXX XXXX XXXX. So when I was the charges coming through by XXXX I thought it was fraud attempt and I put a stop payment so I put a stop. Now they want to charge me double the amount owed it was a ridiculous interest rate they are charging me for this miss understanding, and they have already collected the majority amount that I had originally financed with them which is {$140.00}. I am a single mother and I am on XXXX XXXX XXXX at this time and my income is half of what I would receive if I was working. Please help me with this matter, I am willing to work with them but not by paying double what I originally financed with XXXX XXXX  XXXX. <P/>XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Incorrect and or inconsistent information across All three Credit Bureaus Identification of the specific information being disputed Transunion, XXXX and XXXX reporting Acct Number :XXXX Basis for the dispute : XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History XX/XX/XXXX Unknown XX/XX/XXXX  Unknown XX/XX/XXXX 30 days late XX/XX/XXXX Unknown XX/XX/XXXX Unknown XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Charged off account Credit Card Creditor Information : NONE TransUnion Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : No payment History Reported Remarks : Charged off as bad debt | Account information disputed by consumer, meets FCRA requirements Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 days late XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 Days Late XX/XX/XXXXCollection/ Charge off Remarks : Customer Disputed account- reported. |Unpaid Balance reported as a loss by the credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # XXXX
Consumer complaint received 2017-06-30
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. (CT)

I noticed a XXXX account on my credit report- which was not mine. I contacted the company and they told me they did not have my information. I then contacted experian on X/XX/17- was told that my personal information may have been mixed up with someone else and they would investigate however, it remains on my credit report. I called again and was getting the run around