davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST OHIO HOME FINANCE, INC (OH)

On XX/XX/XXXX we were given a pre-approval letter for {$130000.00} for an FHA home loan from XXXX XXXXNMLS # XXXX Ohio # XXXX. This was after submitting all the documentation on First Ohio Home Finance 's website and submitting additional paperwork requested by XXXX XXXX including 2017 XXXX, two recent pay stubs and 2017 return. 

On XX/XX/XXXX after looking at some houses and meeting with our realtor, we decided to request to see if we could get approved for a larger amount of {$150000.00} if we provided a higher down payment burrowed from my XXXX account. XXXX requested that we send him additional paperwork, which included our two most recent paystubs and both of my child support orders. The child support orders did not differ from any information that was previously submitted to the company. 

On XX/XX/XXXX after all the paperwork that XXXX requested was emailed to him, he sent us a new approval letter for {$150000.00}. He called me to say that this comes with stipulations and that I would have to pay off a Car loan to get approved for this amount. 

After this date, we sent emails to XXXX to have him determine are all in price ( mortgage, insurance etc ) for a few homes we were interested in. On XX/XX/XXXX we asked about a home with a price of {$110000.00}, well under the XXXX pre-approval given on XX/XX/XXXX. He wrote in an email that I would have to pay off my car in order to get approved for this home. We also asked about a home at XXXX, again we said I would have to have my car pay off my car loan. 
Again my car loan was on my credit report which the company had access to before the first approval of XXXX. 

On this date he started to be more aggressive by emailing us " get into a contract on a home and we will do our best to get approved ''. 

On XX/XX/XXXX we emailed again about a home for XXXX, he said we may be able to get away with not paying my car loan off to be approved for this loan. We started to think that this company was practicing fraud and that this specific lender was falsifying information in order to get lenders into a house contract on houses they would not be approved for. 

On XX/XX/XXXX XXXX spoke with our realtor. She called us directly after the conversation. XXXX said " they will not be approved for anything more than XXXX if they do not pay off the car loan ''. 
Why did we not receive a pre-approval letter for XXXX originally instead of the XXXX? 
Why did XXXX not disclose to us that we would not be approved for anything more than XXXX if we did not pay off the car loan? 

The evidence supports the fact that XXXX was attempting to deceive us in order to get us to sign a contract on a home we could not be approved for. He told our realtor that if we signed a contract " we would figure out how to pay the car ''
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

Purchase vehicle on XX/XX/XXXX from XXXX. I put {$2000.00} dollars down on a XXXX XXXX XXXX. My first payment was on XX/XX/XXXX. I explained I was not able to get in the portal because they had my information wrong. on XX/XX/XXXX i received a phone call stating that I had to make a payment or they were picking up the vehicle. I explained my check was mailed and have not received my paycheck. I told them i was going to try and borrow the cash but may not be able too. on XX/XX/XXXX I received my check in the mail. I did not have time to cash it and make a payment. on XX/XX/XXXX approximately XXXX they came to my place of employment and repossessed the vehicle. They stated they will close the loan and i am not able to get the car back. This car reported on my credit on XX/XX/XXXX. The account was closed on XX/XX/XXXX.
Consumer complaint received 2018-04-20
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. (NY)

I had a XXXXXXXX XXXX  secured Credit guard when I first started college in XX/XX/XXXX. I had called and closed that account after I got accepted with a regular credit card. 

Early this month XX/XX/XXXX. I was trying to get my account bank. So I tried to login to my account using the same email and password that I had. It works perfectly fine. Then when I tried to reapply for the card it gives me a message saying that my credit is too poor. My score is Currently XXXX. 

The bank then add an hard inquiry to Equifax. When I check my credit score it was going down because of that. 

Im really in the process of building my credit and can't afford an hard inquiry Please help
Consumer complaint received 2018-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (WI)

I contact ( XXXX ) Wells Fargo Dealer Services on Friday XX/XX/XXXX at XXXX XXXX and told them that since the beginning of the loan, I notice that all the extra money beside my payment isn't going toward my principal amount! Instead I'm paying for the daily interest if that extra money doesn't go towards the principal! I even send in a separate check from my payment that clearly said Principal Payment in the memo! 
So on Monday XX/XX/XXXX I sent in another separate check and wrote principal payment on it again and today I check again online and notice that they are doing the same thing again, not apply that principal payment towards the principal amounts. I don't want to call them every month and tell them to do their job, when it clearly said on Wells Fargo Dealer Services website that if I want it to go towards the principal, just have it written in the check! Even the representative that I spoke with on XX/XX/XXXX even told me that if the amount on have on my payment check is larger then the payment itself the extra will go towards the principal, but I clearly told her that have not been happening in my case at all! So I told her that the next time this happen again I will be filing a complaint with the CFPB!
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (CA)

XXXX XXXX XXXX is performing fraudulent debt collection on a debt that was paid in full. The item under issue is a parking ticket which was paid in full, the debt collection agency can not verify this debt and added ridiculous penalty charges to the debt. They have not given me debt verification documents.
Consumer complaint received 2018-06-05
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. (TX)

I recently refinance my car though my credit union ( XXXX XXXX XXXX XXXX ).  My previous creditor was XXXX XXXX. XXXX XXXX gave me a payoff amount of {$24000.00}. XXXX XXXX XXXX XXXX cut me a check dated XX/XX/2018. The check was mailed to XXXX the same day. It took XXXX weeks to locate my payment stating since they hadnt received my payment within the 10 pay off balance, I owe an addition {$85.00} ( interest fees ). I complained about that because my check clearly states the check date and the check date is well within the 10 payoff. My car has been paid off in Total with XXXX XXXX since XX/XX/2018 and they have not updated my payment status since XX/XX/2018. Since XXXX has not updated my credit since XX/XX/2018 it appears as if I have 2 car loan with 2 different companies. This is affecting my credit severely by increasing my debt and lowering my credit score. I have since contacted XXXX a few times asking why my credit has not been updated. They stated they have been having issues with their system and my credit will be updated by the end of XX/XX/2018. It is now XX/XX/2018 and my credit has still not been updated. Now, if I was late on my car note payments they would have no issue with reporting this to all 3 of the credit bureaus. Im attaching my proof of payment and I want my credit update immediately.
Consumer complaint received 2018-04-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Moneytree Inc (NV)

I took out a payday loan with " Moneytree '' that, unbeknownst to me, was written to come due 3 days before my payday. I submitted my application online and when I went into the branch location I didn't have my glasses with me so when they had me circle the payment due on a piece of paper I asked " this will come due 2 days after payday my - right? '' the Moneytree employee told me " yes. '' What is the point of taking out a payday loan that is due before payday? I could of bounced a check without Moneytree. I was under the impression I was taking out a payday loan - not getting money fronted to me in a scenario in which I have no chance to repay on time. 

Why do they require an applicant to submit paystubs that clearly show I get paid twice a month ( XXXX and XXXX ) then write a payday loan due on the XXXX? 

Is that legal? I bargain in good faith so I will payoff the loan on XX/XX/XXXX ( payday ) but there are penalties and fees I am being saddled with. 

Again, I took out a " payday '' loan and paid it back on the XXXX payday from taking out the loan. They wrote a loan due before the next payday which is indicative of poor loan underwriting on the part of Moneytree. 

Irrespective of my case I strongly feel government scrutiny is needed because of Moneytree 's suspect business practices. 

Thank you for your time in this matter. 

XXXX XXXX
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

XXXX XXXX XXXX account # XXXX original creditor XXXX claims account opened XX/XX/XXXX this account was not opened by me. I have requested validation of the account & have not received any information from debit company or XXXX ans they are stating the account is is mine. This account just appeared on my credit report all of a sudden it has not been on my report recently & I have several reports to prove it was never reported. This is not my account & needs to be removed from all 3 credit bureaus. 

Portfolio Recovery Assoc paid settlement on account and company does not do day to delete. I gave information to credit bureau and only 1 removed information thus far. I need all 3 credit bureaus to delete the portfolio recovery assoc original creditor XXXX XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX this account is settled. I have a letter from them to provide if needed that states account was settled.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

Once again ... the only errors that have been fixed by XXXX regarding my VA mortgage loan is they updated the balance on my mortgage loan. 
However ... the payments are still not reflecting what I have submitted to them via on time mortgage payments. 

There is no updated credit score that should reflect all payments ... timely payments I have made towards my VA mortgage loan. I am not receiving the credit points that should clearly reflect my payments with any of the credit bureaus. XXXX can fix the balance on my VA in a timely manner ... however ... look at the attached that does not show all payments that I have made towards my loan. I should also see a definite increase with my credit score to reflect payments being made on my VA mortgage loan. 

This looks like a rental home instead of a mortgage loan with all three credit bureaus. I need the errors, payments and my credit score fixed and updated by XXXX. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX I helped my father find a credit report to check his credit score. Back then, the website was not clear that I was signing up for any recurring services. I noticed today, XX/XX/XXXX, that I had a recurring pending charge from Transunion which alerted me to investigate. I came to realize Tansuinon had been charging me {$19.00} since then, a total of 28 charges at {$19.00} totaling {$550.00}. Today I called Transunion and the first representative said he could only cancel the subscription and refund the previous month of XX/XX/XXXX. I called again and spoke to XXXX, empoyee ID # XXXX ; I explained to her the issue and advised she could verify I had no access to their portal ever since and did not have an intention to subscribe to their Credit Monitoring Service. She said she was only authorized to refun 11 payments and if I wanted more I would have to talk to a supervisor, which I did. Supervisor, XXXX # XXXX, said he understood the issue and said he can only refund half, 14 payments. He stated there was no one else above him that could help ressolve the issue further. They state that even through, indeed, I did not access their serice throgh their portal, my father still recieved credit monitoring and alerts in case of fraud. The email associating with the account was my email, and upon chekcing my inbox, spam, and junk folders, there isn't a single email from Transunion, therefore, I could not have known I was getting an unwanted service. XXXX claims emails were indeed sent. 

My online banking only allows me to search from XX/XX/XXXX onwards : XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00}
Consumer complaint received 2018-06-05
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: Bull City Financial Solutions, Inc (KY)

I pulled a annual credit report and noticed an unknown account on my credit report. Last date reported XX/XX/XXXX. This account looks like it was opened XX/XX/XXXX by Bull City Financial Solutions in the amount of {$1200.00}. I do not recognize this account. I believe someone has falsely used my name and used my personal information without my consent.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I recently reviewed my credit report and found unauthorized inquiries. 
I tried to contact the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be  inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Mortgage Reporters XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX Business Name XXXXXXXX XXXX Inquiry Date XX/XX/XXXX Business Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Personal Loan Companies
Consumer complaint received 2018-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management (OH)

I have Sent several letter 's asking for XXXX XXXX to provide me with proof that the debt they are trying to collect is in fact mine, Made pursuant to the ( Fair Debt Collection Act and the ( Fair credit reporting Act ) First Letter 's were sent Certified Mail on XX/XX/XXXX allowing them 30 days to provide proof.. On the XXXX day following no proof i preceded to send a second set of letters Certified as well Mailed on XX/XX/XXXX to be exact .. I have followed the Law as provided by ( FDCA, & FCRA ) I have never done business with Keybridge and the Fact remains they have not provided me proof and as far i can see Such as my signature .. The HIPPA Law has been broken as this company should not now or ever have any medical information on any test i may or may not have done. I would like for them to remove any negative / derogatory comments they have submitted to the collection agencies as they are in violation of the FDCA/FCRA acts.
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY (CA)

I have been in debt with Wells Fargo for over a year and my debt only increases. I have asked them to arrange monthly payments since I can no longer afford the minimum payments. They started calling my parents personal cell phones as well as my parents house phone. I never authorized any of my information to be shared. My debt has increased over the past eight months even though I have not used it once in those eight months. I went from oweing {$16000.00} to about {$2700.00}.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

Chexsystems has and is still reporting me as an adverse account. I spoke with XXXX XXXX, of Chexsystems who was no help. Chexsystems is reporting an Account that has been paid in full as adverse action, which causes me Financial Deformation because I am unable to open up a basic checking account. My Chexsystems report consumber ID is XXXX.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (MI)

I opened a credit card account through the department store XXXX XXXX in XX/XX/XXXX. I had made a one time purchase when opening my account at the store and was told that I would be receiving a card as well as statements in the mail for billing purposes within a few weeks. As weeks went on, I received nothing in the mail and continued to wait with no luck. When I finally got a call from XXXX XXXX requesting payment on XX/XX/XXXX, I explained my situation that I still have yet to receive my credit card as well as any statements. I expressed my concern in regards to never receiving a card, but would be happy to make a payment over the phone. Whomever I spoke with apologized for the mix up, verified my address and said they would send out another card. After a few months with no statements or card in the mail, I receive another call from XXXX XXXX on XX/XX/XXXX requesting payment. Once again, I explain my situation to the representative that on numerous occasions I requested a physical card and statements and never got anything. I paid the remaining balance on my card and was told one again, that a new card was being sent. As of XX/XX/XXXX, I officially obtained a physical card and was able to activate it online. 

I am in the process of applying for a mortgage for my first home. My credit was pulled on XX/XX/XXXX, which showed that I had a derogatory mark on my credit from XXXX XXXX in XX/XX/XXXX. I called XXXX XXXX that day to dispute and explain my situation, and was told by a representative that she had handled the situation and that the derogatory mark was being removed from my credit report. I was also told that a letter stating action had been taken to remove the mark would be sent in the mail within 7-10 days for me to show my mortgage broker in regards to a rescore to secure my mortgage. I have followed up many times after XX/XX/XXXX, with confirmation that the letter was still in the process of being sent out.

On XXXXXX/XX/XXXX, a letter was received but had no indication that any action was taken place in regards to removing the derogatory mark. 

I called XXXX XXXX once again on XX/XX/XXXX expressing my concerns and was told that whomever I initially spoke to, misinformed me of what she actually did and nothing had been removed from my credit.