davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: LendUp Loans LLC (CO)

I applied for a credit card, and was approved back in XXXX. My card and pin were supposed to get to me 10-15 days after. Both in separate envelopes. I did not receive either of them. I sent a message, and they asked for my address again. I gave them my address again, and they said they would resend it. So I waited AGAIN another 10-15 days. I have been sending messages to find out where my card is, and I just keep getting the run around. After waiting more than one month for my card, one of the messages that I got back stated that it could take up to 30 days to get my card. That is not what is advertised, or what was said to me in my previous responses. This is poor customer service, not to mention that they have not offered any type of solution. I applied for the card because I needed it.
Consumer complaint received 2019-06-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
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: Lending Club Corp (WA)

On XX/XX/2019 I decided to apply for a personal from the lending club. After carful review of my credit score 737 and a stable job of 8 plus years with an annual income of {$120000.00} should be enough to qualify for a {$20000.00} loan. Not the case at Lending Club. I was told that I didnt qualify for a loan because my loan to income ratio was to high, my total debt {$8000.00}. I was confused because it made no sense.i asked how they determined this I wanted to know what credit model and credit score range was used. Lending club explained XXXX supplied the information and credit questions should be  discussed with them. After speaking with a XXXX rep they do not deal with income ratios. Moreover, XXXX wanted to know what credit score model the lending club was using, having a high CS they were confused as well. I called the Lending Club back spoke to XXXX the floor supervisor said apply again online using a different email address and to call him back after I applied again. This time around I would qualify for a loan with a co-signer. I asked him over and over again to explain to me what in my credit history doesnt qualify me for a loan. He made no sense kept saying I need a co-signer and hung up the phone. Its my understanding of a lender denied a loan they should explain in detail the issue preventing me of approval so I can change or fix the problem. Keep in mind this is the short version of the incident.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
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
Consumer complaint received 2018-01-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC (NY)

onXX/XX/XXXX i spoke with someone at rise and agreed to remove all negative info from my credit report. a verbal agreement was made on a recorded line that once i showed receipt of payment the item would be removed. onXX/XX/XXXX i recieved an email saying that everything is correct. they are now refusing to stand by the agreement made on a recorded line.
Consumer complaint received 2017-11-03
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: EQUIFAX, INC. (AZ)

Hi Team, I was checking my credit report using XXXX portal and found that there are below hard inquiries without my consent or I am not knowing it : 1. XXXX Inquiry from XX/XX/XXXX2. XXXX XXXX - Arizona Inquiry from XX/XX/XXXX 3. XXXX Inquiry fromXX/XX/XXXX 4.XXXX Inquiry fromXX/XX/XXXX 5. XXXX XXXX XXXX C Inquiry from XX/XX/XXXX I want to dispute these and have them removed from my reports.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

IN REGARDS TO COMPLAINT ID XXXX FOR EQUIFAX, THE RESPONSE LACKS DETAIL AND COMPLETE EXPLANATIONS NECESSARY TO ADDRESS MY CONCERNS REGARDING THE ACCURACY OF MY CREDIT REPORT. MY REQUEST FOR PROOF OR EVIDENCE IS NOT EFFECTIVELY SATISFIED. THERE HAS BEEN NO FORM OF COMMUNICATION TO PROVE I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT. I NEED PROOF WITHIN 15 DAYS, IF NONE ARE PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN. 
IN REGARDS TO COMPLAINT ID XXXX FOR XXXX, YOUR RESPONSE LACKS A DETAILED EXPLANATION OF THE FINDINGS OF SUCH REINVESTIGATION. YOU STATED THAT THE DISPUTED ITEMS WERE VERIFIED AS ACCURATE WITHOUT PROVIDING SPECIFIC DETAILS OR DOCUMENTATION SUPPORTING THIS CONCLUSION AKA PROOF OR EVIDENCE. YOU ALSO FAILED TO ADDRESS WHETHER PROPER AUTHORIZATION WAS OBTAINED. YOUR INFORMATION REGARDING CREDIT REPAIR LAWS COMES ACROSS AS DISMISSIVE BY STATING, " THERE IS NOTHING A CREDIT REPAIR COMPANY CAN DO FOR YOU. '' YOU FAILED TO OFFER POSITIVE ASSISTANCE OR GUIDANCE ON RESOLVING MY SPECIFIC CONCERNS. WITHIN 15 DAYS, I AM DEMANDING MORE DETAILED INFORMATION ON THE INVESTIGATION RESULTS AKA PROOF OR EVIDENCE SHOWING I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT! MY RIGHTS UNDER THE FCRA STATES THAT CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE UNVERIFIABLE INFORMATION SO IF NO PROOF OR EVIDENCE IS PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN. 
IN REGARDS TO COMPLAINT ID XXXX FOR XXXX, XXXX HAVE RECEIVED THE LETTER SENT WHICH WAS ONLY AN UPDATED CONSUMER REPORT. I EXPECTED MORE THAN JUST AN UPDATED CONSUMER REPORT I AM LOOKING FOR PROOF OR EVIDENCE TO SUPPORT THE INFORMATION ON MY CREDIT REPORT REGARDING ANY DEBTS OR NEGATIVE ACCOUNTS. AN UPDATED REPORT DOESNT ADDRESS MY REQUEST FOR VERIFIABLE EVIDENCE. YOUR RESPONSE DOESNT PROVIDE A CLEAR EXPLANATION OF HOW YOU ARRIVED AT YOUR CONCLUSIONS. I AM DEMANDING MORE DETAILED INFORMATION ON THE INVESTIGATION RESULTS AKA PROOF OR EVIDENCE SHOWING I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT! MY RIGHTS UNDER THE FCRA STATES THAT CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE UNVERIFIABLE INFORMATION SO IF NO PROOF OR EVIDENCE IS PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN.
Consumer complaint received 2020-06-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (CA)

Wilshire Consumer Credit is the holder of my auto title loan. I also learned as I went along in this journey to my dismay that they are also an agressive debt collection agency. I am usually paid up to date for the past year of this loan of about {$5500.00}. But sometimes Im a month behind but I always make an effort to catch up that I always do. Im presently as of XX/XX/2020 a month behind. The virus crisis has not helped the situation as Im unemployed. Im at the mercy of my unemployment check which comes sporadically and not routinely. Im waiting for my unemployment check to catch up. I will not default on this loan, I got this, I dont know what their problems is. 

They relentlessly set their phone dialing machines to endlessly call me and even when I pick up the phone theres no one there on the line to respond. They even call during meetings and in front of my clients for Wilshire not to not see that by doing this they create an environment that is not conducive for their loan customers to earn money to pay for their loans. These people are horrible! They truly are debt collection pigs! Inconsiderate and selfish! 

They will get their XXXX money! They need to be patient, when I get the unemployment check theyll get paid. This is why I gladly pay late charges, thats the cost I pay for the risk they entailed under the circumstances we mutually agreed when I signed for the loan. Thats why I pay a higher interest rate, they knew who they were lending money to! If theyre not willing to put up the risk, then they shouldnt have given me the money!! Ill gladly pay the late charges, unfortunately, the financial industry sees these late charges as strictly punitive, and that has to change with the new realities we face with this economy! Enough!!! XXXX!
Consumer complaint received 2020-06-22
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. (GA)

XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that  I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX  XXXX # XXXX {$440.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} XXXX XXXX # XXXX {$23000.00} Inquiries : XXXX/XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2019-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I paid off my Nationstar mortgage on XX/XX/2019. Since then I have been unable to get my escrow funds refunded. 
Questions that they refuse to answer include : > What amount was applied to principal to pay off my loan? 
> What amount was applied to my final loan interest? 
> How much can I expect to get as a refund? 
> Why was I charged an extra {$35.00}? 
> When can I expect to get my money? 
> Do you intend to pay interest on these funds because you kept them for so long?
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have submitted three letters to Equifax asking them to remove account XXXX XXXX from my credit report. This account is an Unknown Account and has no Account Number no contact information and is missing other info. This account is reporting inaccurately and needs to be removed from my Credit File.
Consumer complaint received 2018-01-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (KY)

My husband and I have only been with Westlake Financial services for a short time now but the problems we have encountered are beyond belief. My husband and I are military and due to this we both have POA 's over each other. I have sent in the requested POA 4 times and they can never understand how to read it or how to notate it in their system, it was supposedly approved by 2 managers ( XXXX XXXX and XXXX XXXX ) yet they also failed to notate it in the system. My husband also sent in two letters authorizing me on the account that Westlake said would help them yet every time we call there are no notes in the system under our account. Me and my husband decided that due to the numerous problems we encountered we would refinance through a different bank and therefore received a pay off check that we promptly sent Westlake in the mail. We put a tracking number on it as well as requested that the company had to sign for it in order to receive it so that we could see exactly when they received it from our side ( due to lack of ability to be honest with us in the first place and lack of ability to notate when things are properly received ). They received the check on the XX/XX/XXXX and when I requested to know when it would be posted Westlake stated that it would post in 24-48 hrs. Soon I called back because it did not post in the time stated I was than told by a different representative that it would take 3-4 days instead. I than asked to speak with a manager in which I was informed that the manager was unavailable. I asked for a callback and never received one so I than sent in an email and never heard a response there either. I than called back because 4 days had passed and no check was posted. I than was finally transferred to another supervisor that I had not spoken to before. This individual ( XXXX XXXX ) had assured me that the check would post by today or tomorrow ( Thursday or Friday at the time ). I than waited over the weekend until Tuesday in which no check had been posted STILL!!! I called back and was transferred around numerous times with still no answer! I was than hung up on twice in the process. This is a full pay off check and the way this company handles business and client relations is horrible! I have documented every conversation with this company, when I have called, why I have called, Who I spoke with every time! I am in need of answers and am not pleased with the lack of professionalism!
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MO)

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission or power to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I can deem what is private to me.
Consumer complaint received 2020-06-21
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: EQUIFAX, INC. (FL)

On my last report from Equifax ( 2020 ) there was a single line statement that reflected the use of my report to XXXX. This was not specifically authorized by me nor had I ever heard of this credit bureau. I have since contacted them directly and through CFPB. The purpose of this notification to CFPB is they ( Equifax ) should be held accountable for this action.
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (UT)

So my credit report had a couple of errors on it recently they are all fixed now but this synchonary does want to hear thst and they closed my car care account completely and dropped my limit on my T.J.Maxx card u am asking to reninstste and the won't budge I told them my credit is fixed and there is no more derogatory items but they don't care and said the final decision is still final I had errors on my credit and they are not listening at all
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (FL)

On my hard inquiries is XXXX XXXX mail order form. I did not do this. I received a TV from XXXX XXXX and did not order it. Checked with company and was told 2 TV was one they way to me. I did not order them. Have a police report and a letter from XXXX XXXX stating the account was opened fraudulently with my name.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NC)

I have reached out to Navient on 2 occasions, XX/XX/2018 and XX/XX/2018. Over the years I have taken several student loans all the way through XXXX  school. Each one of the loans showing as an individual account on my credit. Navient ( loan servicer ) failed to disclose my ability to consolidate and my rights to a forbearance or alert me of deadlines. I told them that I couldn't afford the {$2000.00} per month payment and never did they tell me I may qualify of Income Repayment. It wasn't until I reached out to XXXX XXXX that took care of all of this for me. They consodolidated my loans, put me in a forbearance and once that was done, my payment was {$260.00} per month. It is because, Navient failed me as a lender that because of the alleged 8 payments they claimed I missed, that I have over 160 late payments with them across 20 individually reported accounts. I reached out to Navient and the credit bureaus, as the loan reporting is very sketchy. Some months they don't have any reporting at all. I have only had success with XXXX. Navient has been paid. Navient should take ownership of their terrible lending practices of reaging my account by applying {$1.00}. Payments to borrowers loans so they never age off.
Consumer complaint received 2024-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, block fraudulent, inaccurate, and unverifiable information appearing on my credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX Account : Opened on XX/XX/XXXX under account number ( private ).

Listed inconsistently as Open with XXXX, Closed with XXXX, and Collection with TransUnion. 
Contradictory charge-off balance of {$370.00} with no Date of First Delinquency ( DOFD ). 
High credit reported inconsistently across bureaus, violating FCRA 1681e ( b ). 

XXXX Account : Opened on XX/XX/XXXX under account number ( private ). 
Listed as Collection with TransUnion but Closed with XXXX. 
Missing DOFD, payment history, and resolution details, making the account unverifiable. 

XXXX XXXX XXXX Account : Opened on XX/XX/XXXX under account number ( private ). 
Missing DOFD and creditor classification ; reported as Unknown Creditor.

Inconsistent status of charged-off but with active past-due balances.

These accounts have resulted in severe inaccuracies on my consumer FICO credit report. Attached are the highlighted screenshots of the errors in question as proof. These fraudulent accounts were not opened, initiated, or authorized by me. All accounts referenced are the result of identity theft or fraudulent reporting. Attached is my FTC Identity Theft Affidavit ( # private case number ) and supporting documents to confirm these accounts are the result of fraud.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Transunion, please help me my identity has been stolen from me and used in such a horrible way. I was left with so many inquiries and collections that doesn't belong to me. I am asking that I can receive help I am a mother of XXXX and a XXXX XXXX this is so unfair to me to have 19 inquires with 5 collections that I never consent of opening.