davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: WLCC (IN)

On or about XX/XX/2023 I applied for a payday loan with Explore Credit. This loan was to be used to cover bills for the next two weeks. Immediately after applying, I was approved for the loan ( image 1 attached ), I signed the agreement, and Explore Credit stated the money ( {$600.00} ) would be available in my account within two to three business days. I was able to log into my account, and even view the balance, and also the payment dates and amounts for the loan. Upon receiving an email this morning however, I was shocked to see that after I had been approved, signed the agreement, and been able to access my account, I was all of a sudden denied due to these reasons : -Unable to verify identity -Unable to verify bank account -Unable to verify employment -Insufficient income for credit amount requested They also included what appears to be a statement out of the equal credit opportunity act which states various reasons as to why they can not deny me. It boggles me however, that even after I was approved and signed the agreement I was still denied, when one signs an agreement with another they are under the impression that both have agreed to the stated terms in the agreement, in this case, to provide me with a {$600.00} loan. The point of a credit application, and also submitting documents before hand is to make sure you are approved for the loan, which I clearly was, they were clearly able to verify all of the above noted items in question if I was able to log into my account, see the amount that is loaned to me along with the installments, and to top it off the fact that they approved me for the loan. I have submitted exhibits below.
Consumer complaint received 2023-02-18
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. (OH)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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.
Consumer complaint received 2023-02-18
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX. I am a victim of identity theft and need the following accounts to be deleted from my credit report. I have submitted documents to the credit bureaus multiple times and the items still have not been removed.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (MN)

After discovering that a debt collection company and XXXX XXXX were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. If the company persists in these practices, I will be forced to take legal action. I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX The company Im talking about is XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-14
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. (GA)

My credit card company, XXXX XXXX XXXX, updated my payment status from XX/XX/2017 for my credit card account. It should now reflect that the payment for that month was never late, however, it is showing that this account was late during that time frame on my Transunion and XXXX   reports. I have attached the letter received from XXXX XXXX stating that they have requested that this information be updated.
Consumer complaint received 2022-10-04
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: HUNTINGTON NATIONAL BANK, THE (IL)

I accessed my credit report XX/XX/2022 and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to XXXX, Huntington National, XXXX, and XXXX XXXX via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Regarding case number CFPB case ending in XXXX On XX/XX/XXXX, a letter was sent from Wellsfargo that the investigation was underway and I would receive a response. 
On XX/XX/XXXX, a letter was sent with an enclosed check for {$120.00}, dated the XXXX. The letter stated a separate response will be mailed detailing this regarding the credit card that has been closed. 
I contacted the listed person, XXXX XXXX for clarification and left a voicemail XX/XX/17. 
This can not be the amount to suffice a credit card opened for {$1500.00}. I was to receive my refund once the full {$140.00} was paid. Instead, it was closed and the money has still not been returned. 
In addition, this information is still reporting inaccurately on my XXXX and XXXX reports.
Consumer complaint received 2023-02-18
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. (GA)

I made a dispute about the negative item listed on my credit report by XXXX XXXX. I contacted all three bureau and no reasonable investigation conducted. This company list the account as an open collection account. This item violates the FCRA 15 U.S code 1681b permissible purposes ( 2 ) ( a ) ( i ) ( ii ) the company nor the credit bureau had permission to procure a report. 

A 1099C form the was sent to me by the company, as cancellation of debt in which I had to file as INCOME on my IRS tax return, and cant be considered debt. The 1099C states the this company no longer seeks collection yet they still report it as open debt collection with a different amount the shown on document.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

I purchased a 2012 XXXX sentra that was finance by JPMCB Auto Finance. I traded the car in in XXXX of XXXX up until the point when I traded the car in I made every payment on time. Apparently when I traded the car in the dealership in which I traded the car took an unusually long time to send in the payoff which resulted in JPMCB reporting that the payoff was 30-days late. This is not my late payment and therefore should not have been reported onto my credit. I had advised them the day I traded the car in that I had done so. They were well aware that that car had been traded in at the time of late payoff. They could have reached out to the dealership to inquire about the payoff or they could have easily moved a payment to the end of the loan to prevent a 30 late pay status, none of which they attempted to do. I have tried for several years to resolve this matter with the company and have gotten nowhere.
Consumer complaint received 2023-02-18
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. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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.
Consumer complaint received 2022-10-04
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: CITIBANK, N.A. (TX)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a ( 30 ) day late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I never received this statement in the mail and when I realized that I never got it, I immediately called and made the payment. I was assured by the representative that there would be no late reported and that the account was still in good standing. I have never missed a payment on this account and this late payment that is reporting needs to be removed. This false reporting of a late is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-11-14
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. (TX)

The XXXX XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a ( 30 ) day late on XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I never received this statement in the mail and when I realized that I never got it, I immediately called and made the payment. I was assured by the representative that there would be no late reported and that the account was still in good standing. I have never missed a payment on this account and this late payment that is reporting needs to be removed. This false reporting of a late is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-02-14
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: Credit Card Acquisitions Group (NJ)

I sent XXXX a written request XX/XX/2022 to verify their method of verification of a collection account on my credit report. The Account named Foster and Monroe LLC in the amount of {$11000.00} appeared on my credit report XXXX of XXXX. I disputed the item as not mines and asked XXXX as well as foster and monroe to investigate, They claimed the account was verified although the account has a different last name, Date of birth than my own as well it has an address i never lived at.
Consumer complaint received 2023-02-14
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In accordance with the fair credit Reporting act Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 Section 1681a- Definitions ; rules of construction- Exclusion. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-02-14
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 166b a creditor may not treat a payment on a credit card account under and consumer credit plan as late for any reason.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was just looking over my consumer report and found some addresses that appear to be incorrect. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX There should only be one address listed on my report, which is : XXXX XXXX XXXX XXXX, MO XXXX I also noticed that my name appears to be misspelled on my consumer report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Once again, in order to make the process of deletion easier, here are the incorrect names : Incorrect Names : XXXX XXXX XXXX There should be only one name on my consumer report, which is, XXXX XXXX XXXX. 

Please remove inaccurate employers as well : XXXX XXXX
Consumer complaint received 2023-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

When Covid started I lost my second job. Wells Fargo called me and offered me a program they had. I didnt have to make payments for over a year with no late fees or credit damage. When the period was up they offered me a Covid modification plan. My payments even went down. There was a trail period for 3 months and I had no issues. They said they were getting the paperwork together. I called onece a month to make payments for over a year. Asked what was going on, they told me they had all my paperwork they needed. I made the payments on the first every month for the amount they said. They then said I didnt send paperwork needed and I lost out in the program. My mortgage specialist doesnt work there anymore. They gave me a new one but also sent paper saying they sold my mortgage. I made my last payment with them in XX/XX/XXXX and they sold me in the XXXX. XXXX XXXX payment was to be made to new company. I still dont have paperwork from them. I called and thats how I found out I have to reapply for a mortgage or modification. Im not even sure what It is. I read my WF statements and noticed they have been charging me late fees this entire time even though I was not late. The new company told me today that my payments will be XXXX more a month IF Im even approved. It is at a way higher interest rate also. I did absolutely everything WF asked of me. They wont return my calls and keep dismissing and dropping my claims/complaints. I called every month and they said they have everything they need from me. I asked them to review the calls bc they are recorded and they still havent gotten back to me. The new company said I may have to pay XXXX up front. I have XXXX in equity in my home and thought WF was tacking the rest onto the end of the loan. They really hurt me and I do not know what to do. I just happened to see this article and thought someone may be able to help me.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX Opened XXXX {$390.00} XXXX XXXX XXXX Opened XXXX {$420.00} XXXX XXXX XXXX Opened XXXX {$700.00} XXXX XXXX XXXX Opened XXXX {$710.00} XXXX Opened XXXX {$840.00} 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 instructions
Consumer complaint received 2023-02-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Unfair - Failure to respond to written submission under RESPA including QWRs, Notices of Error and Notices to produce, excessive billing with failure to issue requested reimbursement of funds over charged equates to breaches of contract, fiduciary duty, negligence etc... 

Deceptive practices include failure to fully disclose actual mortgage holder now appearing to be Mr Cooper demanding payment in the name of XXXX XXXX  and XXXX XXXX owner of Mr Cooper issuing partial refunds for overbilling issues. Deceptive Acts include but are not limited to Breach of Contracts, Negligence, Breaches of Fiduciary duty for altering terms without authorization, requests by Mortgagee and Unilateral Acts in contravention to those terms agreed to by the parties at settlement. 

Abusive tactics include conversion of funds without any alternatives given to the mortgagee, Unilateral acts by new Servicer not agreed to or applied for by Mortgagee and places the homestead in jeopardy by no fault of this Mortgagee satisfying the three part test under the FCT Act including It is substantial ; it must not be outweighed by any countervailing benefits to consumers or competition that the practice produces ; and it must be an injury that consumers themselves could not reasonably have avoided. The loss of escrow accounts while in part being billed for part while asserting the transfer, at first, did not affect the escrow requirements then changing terms is causing an unavoidable injury to this complainant that he has no way to avoid that has no benefit whatsoever to this consumer and flies in the face of those contractual obligations accepted at closing. The breaches of fiduciary duty therefore, negligence along with several contractual breaches ensures joinder of both XXXX XXXX and Mr. Cooper to that ongoing litigation in that Circuit Civil Action 22-CA-188 in the XXXX XXXX XXXX XXXXXXXX XXXX FL this is another injury complained of that is unavoidable and consequential to this complaining party, aside for the lack of any Credit and payment reporting which appears to be ongoing causing substantial and additional injury.