davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITIBANK, N.A. (PA)

Took out this loan with company to get cabinets in my new home. Contractors came directly from them and they were not new. They were installed by them directly and I never had any money exchange from them either. I was given an agreement to pay a certain amount and was doing good until I got XXXX XXXX   and could no longer keep up with my payments. I was asked to have them withdraw this amount of my account and i agreed with a lower payment plan. They inputted the wrong information and was in default because of there wrong doing. I attempted to get a loan elsewhere to open up a business and was denied because of the negative report. Although I am in a repayment plan again, I called and ask for a payment history and was told they can not provide this.
Consumer complaint received 2019-05-17
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. (GA)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX   account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-17
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. (FL)

I requested for this item to be removed from my credit report it does not belong to me and the credit bureau have feel to do so. I requested for signed contract with my signature. What i received was a bogus contract with no signature something the credit collection agency made up. Please remove this fraudulent information off my credit report. What the collection agency sent me was a bogus made up contact. No signature no id no nothing. The contact that was sent is just a made up document. The credit bureau is not protesting my credit from bogus mad up stuff. This is not a contact signed be me or an account that I ever owned
Consumer complaint received 2019-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (GA)

My house was hit by a tree XX/XX/2018. My insurance company responded promptly. Being that damages were over 40,000.00 I had to sign the check over to Quicken Loans in XXXX Michigan, they received it ( according to their records ) XX/XX/2018, I sent it in XXXX. This is the beginning of my nightmare ... my insurance company gave me startup money in which I immediately hired a contractor. The roof was replaced and new siding reconstructed, All walls, cabinets and carpeting tore out, new electrical ruffed in and flooring fixed. Now Im out of money and have been since XX/XX/2018. 
I have been through six employees and one executive officer at Quicken Loans, sent all required paperwork six times which they continuously lose. My contractor has contacted them, sent them the same paperwork ( the paperwork trail is way too much to include here! ) and the copies of Georgia Law on homeowners can be their own contractor on house repairs or they would not have given me a building permit, and the phone number to our local Codes and Enforcement Office so that Quicken Loans could inquire for themselves! I have requested the interest on the monies they are holding and they stated it would be applied to my mortgage-as of yet it is not accounted for on my statements. 
My husband had a XXXX over all of this and XXXX! My insurance company should not at this point have to continue paying for our temporary housing Quicken should! A total waste of insurance money. All I want is to get my house fixed and move back home! This is a total violation of my homeowner rights and I have found I am not the only person this has happened to! And today I get another request for the same paperwork Ive sent them six times before! I am so XXXX XXXX I have lost weight to XXXX pounds and I am not in good health either with XXXX and no iXXXX XXXX. XXXX  causes XXXX flair ups so Ive been to the doctors to try and circumvent that.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I'm in the market for a new car and i was told to check my credit report before i went to the dealership. I checked my credit report and i noticed a few items that i didn't authorize. These items are not mine and i need these items deleted from my credit report. I'm working on this process on my own behalf. I was advised to contact this agency and I also contacted the FTC and my city police. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/19 I was sent a promotional offer from American Express to upgrade my XXXX XXXX XXXX card to the new XXXX XXXX   card. The offer stated I would receive XXXX bonus XXXX XXXX points if I spend {$3000.00} within 3 months. I requested the upgrade on XX/XX/19 and clicked the link in the email and entered my RSVP code and SS #. I was instantly upgraded to the XXXX XXXX card. On XX/XX/19, I chatted with Amex to confirm my enrollment in the offer and was told that the promotion had not applied to my account. I gave them my RSVP and code and proof of the email and they still continued to deny my enrollment. They claim they will conduct some sort of long, drawn out clandestine investigation that cuts into my minimum spending period but can not manually adjust my account to enroll me in this promotion. Amex is employing bait and switch tactics. 

POID : XXXX RSVP Code : XXXX
Consumer complaint received 2019-05-17
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. (SC)

I have sent Equifax my affidavit of fraud concerning this account twice on XX/XX/XXXX and XX/XX/XXXX. I have received no updates other than from XXXX XXXX which shows the  account is being investigated. I am aware a credit bureau is allowed 30-45 days for an investigation, we are long past that. XXXX and XXXX deleted the information after 10 days of my original submission. While talking to Equifax this morning one of the CS people mentioned XXXX. Using XXXX which is known to be inaccurate, is not considered a reasonable investigation, is not acceptable as to your company doing its due diligence and there is case law against using XXXX for investigations. 


( 1 ) This is a closed account that is reporting a credit limit, closed accounts should not show a credit limit. Factual Error ( 2 ) You are reporting late payments years after the closed/charged off date. How can I be late if the account is closed? Factual Error ( 3 ) This account was removed from my Equifax report last year and re-added without the required 5 day notification which is required by law FCRA Violation ( 4 ) I was told by XXXX XXXX XXXX that they could not provide me with physical documentation PROVING the account is mine. How are you keeping an item on my credit without having evidence that it belongs there. You are obligated by law to report only factual information. You can not report factual information without having documentation which I have already been told by the original creditor does not exist FCRA Violation ( 5 ) My credit report dated XX/XX/XXXX ( report number XXXX ) states inXX/XX/XXXX this account was paid on time. You are now reporting it was late in XX/XX/XXXX. That same report shows payments through XX/XX/XXXX. But the account is now reporting as closed XX/XX/XXXX, how can that be? Factual Error If this issue can not be resolved in the next 30 days I will seek damages including but not limited to defamation, and any monetary amount allowed under the FCRA.
Consumer complaint received 2019-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ORG GC GP BUYER, LLC (PA)

Took out this loan with company to get cabinets in my new home. Contractors came directly from them and they were not new. They were installed by them directly and I never had any money exchange from them either. I was given an agreement to pay a certain amount and was doing good until I got medically sick and could no longer keep up with my payments. I was asked to have them withdraw this amount of my account and i agreed with a lower payment plan. They inputted the wrong information and was in default because of there wrong doing. I attempted to get a loan elsewhere to open up a business and was denied because of the negative report. Although I am in a repayment plan again, I called and ask for a payment history and was told they can not provide this.
Consumer complaint received 2019-05-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pinnacle Financial Group, Inc. (MD)

On XX/XX/XXXX I received a Bankruptcy discharge. Included in that Bankruptcy discharge was an auto loan, financed by Pinnacle Finance Company. I must add to this that I purchased the vehicle for {$14000.00} in XXXX with a {$5000.00} down payment, yet no matter how much I paid over two years my balance continued to rise. The larger issue is that upon receiving my Bankruptcy discharge, I DID NOT REAFFIRM the auto loan with Pinnacle Finance. Further, I never directly agreed to any terms and conditions with Pinnacle Finance as it relates to their internal policies or terms and conditions ; as this loan was transferred to them after I purchased my vehicle. 

Pinnacle Finance has not only acted unlawfully by ignoring my bankruptcy discharge and pursuing me for money I do not owe on the vehicle. They continue various forms of collection tactics, first and foremost by stating erroneous information regarding the status of the account on my credit bureau report. They insist I owe them monies when I DO NOT. The loan was discharged. Further, they are stating that the vehicle was repossessed and that is NOT FACTUAL. Last summer I contacted Pinnacle Finance and agreed to surrender the vehicle and asked them to please come and pick it up. Pinnacle neglected to pick up the vehicle until late XX/XX/XXXX. 

Pinnacle finance is reporting erroneous information to the credit bureau agencies and I have made multiple contacts with them to stop. They refuse. I do not owe them any money and the car was NOT repossessed it was surrendered after being discharged from Bankruptcy. 

They are breaking the law ; and they are not adhering to proper and lawful collection tactics. Their contact information is below : Address : XXXX XXXX XXXX # XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX To contact me you may do so at : XXXX My home address is XXXX XXXX XXXX XXXX, MD XXXX My Phone number is XXXX FOR YOUR RECORDS I HAVE ATTACHED THE FOLLOWING : 1 - Bankruptcy Discharge 2 - Bankruptcy Final Decree 3 - CERTIFICATE OF NOTICE TO PINNACLE 4 - Schedule D showing secured property to include Pinnacle
Consumer complaint received 2019-05-17
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. (PA)

On XX/XX/2019, XXXX XXXX illegally accessed my credit report. Mr. XXXX is a Senior Loan Officer at XXXX XXXX XXXX. His NMLS number is XXXX. On XX/XX/2019 I was notified by XXXX   XXXX that a hard inquiry from XXXX XXXX , XXXX was listed on my credit reports with Equifax and XXXX. XXXX XXXX, XXXX is a third party reseller employed by XXXX XXXX XXXX. I immediately contacted Equifax, XXXX and XXXX XXXX to inform them that the inquiry was illegal and that I did not authorize any hard inquiry. I received a response from all three companies XXXX   removed the inquiry, Equifax requested that I contact XXXX XXXX XXXX, and XXXX XXXX informed me that XXXX XXXX initiated the inquiry but provided no proof or documentation. XXXX XXXX   falsely claimed in a letter to XXXX XXXX that they obtained my authorization via phone, which they did not. XXXX XXXX also provided no proof or documentation. More than 30 days have passed since my dispute, and XXXX XXXX, XXXX XXXX and Equifax have yet to provide verification or to remove this illegal inquiry, per federal law and as required by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ).
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (OH)

I recently opened an Opportunity Checking account with Wells Fargo on XX/XX/XXXX. In all my paper work with Wells Fargo, I never received my account number or routing number. I had to log on to my online banking to find my account number. I was not able to find the routing number. So I went to their website for information on how to find my routing number. They have an entire page dedicated specifically to help customers find their routing number. I followed the prompts accordingly on the website ( which I have attached to this complaint ) and was given an incorrect routing number. I set up my payroll direct deposit to go into this account with the routing number that was given to by Wells Fargo. When I realized that my funds were not in my account, I contacted Wells Fargo on XX/XX/XXXX and they repeatedly told me to contact my employer. I then contacted my employer which is also a bank and they were able to see that there were no issues on their end in sending the ACH or direct deposit. I then called Wells Fargo back and spoke to XXXX who was very rude and she told me I used the incorrect routing number, even though the routing number that I used was an active routing number used by Wells Fargo. I asked if there was any way that those funds could be re-routed to my account since I am in need of those funds as soon as possible. She was very rude and I feel as though she did not understand my question or concern. I then asked to speak with her supervisor XXXX. He was also very rude but he gave me the impression that the funds could be re-routed but stated " he was not going to waste his time in researching that ''. Being that I work at a bank, I know that may be an option for other banks to do that. However because he did not want to research it and find out if that was even possible, I now have to wait up to a week or longer to have access to my funds. I believe that I was very mislead with how to know what my routing number is and at that expense I have to wait longer than reasonable in order to receive my funds. I have bills and responsibilities just like everyone else but I believe that Wells Fargo played a major role in why I did not receive my funds in time.
Consumer complaint received 2019-05-17
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: JPMORGAN CHASE & CO. (AL)

I have reached out to XXXX several times in attempt to have this fraudulent inquiry removed I was told that I need to call and contact the original creditor that placed this inquiry on my report. I have made several attempts to get chase bank to contact the bureau and remove this inquiry that was not authorized by me. They seem to not be able to get me to the right person to take care of this issue no matter how many attempts I have made nobody seems to understand what I'm talkin about. I want chase bank to have this fraudulent inquiry removed from my credit report before I take legal action. I I have never requested any kind of credit with chase bank or hold any account with them. I have an iquiry from XX/XX/2019. I want this matter resolved.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

After several disputes throughout the years, XXXX still insists on reporting inaccurate information to the credit bureaus. The title loan company took possession of the vehicle and resold it for a profit. Thereafter, the title loan company still insists on reporting negative information to my credit report. There is no judgement in this particular matter. Needless to say, this is something that initiated approximately 7 years and should not be on my credit report anyway.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've had to pay off several accounts in which I did not owe, just to clear my credit. Now that I have I've contacted TransUnion in reference to the information still showing on my report. Per TransUnion, the information is under dispute per my request. I asked why would I dispute something that I have paid and did not owe? The representative informed me on their side it showing different and I would have to just wait or update and pay for one of their monitoring services and then I can update my report. So, I paid for the monitoring service only to learn this is something TransUnion must do in which again, I'm being told to just wait.

I am asking for help getting the items removed from my report and an update credit Score as well as Repo.
Consumer complaint received 2019-05-17
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. (NC)

Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-17
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NC)

Hi. I had a student loan that was originally through XXXX XXXX XXXX, but that has been sold to ultimately Navient. I fell behind on the student loan and it became delinquent. After a few changes in my situation and a settlement offer by a debt collection agency contracted by Navient I was able to settle the debt on XX/XX/XXXX. After the settlement was completed, I was instructed to call 30 days later to obtain my settlement receipt, but I ran into the issue that the loans was supposedly sent back to collections and that the loan was not settled or the settlement was not approved. The collection agency that has received the money, sent me finally around XXXX XXXX a settlement receipt and forwarded the paperwork again to Navient to update the status of the account. In XX/XX/XXXX I was again harassed by two different collection agencies and Navient themselves, trying to collect on a already settled account. After two weeks of calling back and forth and emailing, faxing and mailing copies of that settlement receipt phone calls from all collection agencies stopped and I contacted Navient to obtain a copy from them of the settlement receipt ( the Navient settlement receipt, not the one that I sent them ). It took repeated calls since XX/XX/XXXX, with almost weekly calls to finally receive the receipt on XX/XX/XXXX. Navient instructed me also that they would update my credit report about this settlement by XX/XX/XXXX. No updates have been made and I again have repeatedly called them to request them to update it. They flat out refuse to update it and are giving me the run arounds, wanting me to send them various pieces of information like the settlement receipt and a current copy of my credit report to them and then file a dispute with them, which representative stated may take up to a year.