davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I suffered damage to my home in XXXX of 2019 due to a major flood in the XXXX XXXX XXXX of XXXX, TX XXXX. A check was provided to me on or about XX/XX/2019 by XXXX XXXX XXXX. The check was endorsed and sent to LoanCare within 48 hours of the receipt. XXXX responded with a request for documents. Requesting the following : LoanCare Claim Tracking XXXX Loan # XXXX Adjusters Worksheet Waiver of Lein Contractors License Signed Contract W-9 from Contractor All was provided by overnight XXXX. Several days later I called to confirm they had received the information. They said they had but needed the Waiver of Lien on their letterhead. This was provided on or about XX/XX/2019. Checking back several days later they said that the information was not sufficient because the Contractor did not have a Contractor 's License #. This is not available in the State of Texas since Katrina and Ike. Several days later they came back asking for a Surety Bond. I have been unable to locate one that is for a private residence that is not being reconditioned with public monies. I have attempted several times to get the name of anyone in " upper management '' that is referred to by the various call centers I have been routed to. I have requested a phone number to the corporate headquarters on several occasions including today, XX/XX/2019. I had discussions in the last three weeks and was supposed to have been contacted by " upper management '' on XX/XX/2019. As of today I have not been contacted by anyone in LoanCare XX/XX/2019. I talked to three different call centers today. The second call center indicated he would be transferring me to " upper management '' but instead transferred me to another low level call center. This call center would not give me any information about upper management either, but said a Supervisor would be calling within 24 - 48 hours. This is the third time I have been told a supervisor would call. I have not missed any payments to this company, who by the way purchased my loan without my knowledge, and I feel they are being unreasonable in holding the money for the repairs to my home unnecessarily long. The amount of the check exceeds the amount I owe on the home by nearly {$30000.00}. Their liability is far less. In looking at this company on line it appears they are continually indulging in what appears to be fraudulent practices. I need the names and address and phone numbers for the principals of LoanCare so further dialog can be made. Their delay is beginning to impact my abilities to maintain any type of lifestyle. It is difficult to maintain two house payments, the one they hold the mortgage on and other living expenses.
Consumer complaint received 2017-06-16
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)

I disputed an account reported by  XXXX   XXXX   XXXX  in the file maintain under my Social Security number with Equifax in   XXXX   XXXX    .  <P/> I received an updated credit report from Equifax on  XX/XX/2017    ( Confirmation #  XXXX   XXXX  showing that the item was deleted from my credit report. A few days later I received a notice from my credit monitoring company that the account was placed by on my Equifax report.  <P/> In accordance with the requirements of the FCRA section  611 ( a  ) (  5 ) ( B ) ( ii  ), Equifax is required to notify me of the reinsertion in writing within 5 business days and I have not received such notification.   ( B ) Requirements relating to reinsertion of previously deleted mater ial ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.  <P/> I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.  <P/> I have spoken with several different people trying to rectify the situation with Equifax. The first person told me to call back once I had the Confirmation that shows that the item was not reporting on my credit report and it would be removed. The second person said that she was not able to pull up the confirmation number and transferred me to a third person that advise the report was updated on  XX/XX/2017   . I advised that the report updated on  XX/XX/2017    shows it removed but I received another report on  XX/XX/2017    showing that it was added back on my report and no one can give a clear explanation as to what is going on. When asked to be transferred to a manager, I was placed on hold for  1 hour and 37  minutes before I disconnected the call.
Consumer complaint received 2020-05-15
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. (FL)

SOMEONE USED MY MY PERSONAL INFORMATION TO OPEN THIS FRAUDULENT ACCOUNTS IN MY NAME THAT I WAS NOT AWARE OF OR APPROVE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA 'S On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I have attempted to get a copy of my credit report from Experian both online and by mail. 

On XX/XX/2020 I attempted to get my report online and was refused. 
On XX/XX/2020 I mailed a request for my report and included the required documentation. 
I received a postcard refusing my request for the credit report again on XX/XX/2020. This postcard contained no information about how to obtain my credit report other than a link to annualcreditreport.com ( which had already refused my request in XXXX ).
Consumer complaint received 2017-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Commercial Services, Inc (FL)

I had been doing business with XXXX since XXXX with no problems to my account that I was aware of. In XXXX XXXX I started to get emails and correspondence from an XXXX rep that my company owed {$2500.00}. They sent me their company spreadsheets with open invoice numbers. My wife tried several times to speak with the rep over the phone to go over our payment history but was not able to resolve this problem. We did n't understand how we could owe more than a years worth of services when we has been making monthly payments and if we did owe so much why would they continue to service our account. 

On XXXX XXXX, XXXX my wife was contacted by email by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. He requested that we review invoices that he sent and payment status of those invoices in question. My wife emailed him all the payments with the check numbers on XXXX XXXX, XXXX. She totaled the amount of payments made and it was more than the amount they were requesting. She proposed that it may be possible XXXX owed us. She notified XXXX XXXX in writing that we do not agree with the amount owed to them. At this point, WE discontinued services with them. 

My wife emailed XXXX XXXX XXXX, XXXX and XXXX and never got a response in regards to the information she provided him. 

We received an email on XXXX XXXX, XXXX by XXXX XXXX of XXXX XXXX XXXX stating they represent XXXX and demanding the payment of {$2500.00}. My wife called him to explain she was still waiting for XXXX XXXX to contact her with results of all the info she provided to him at his request. My wife XXXX stated that XXXX XXXX interrupted her and began demanding the money and disparaging her. She hung up and we hired a lawyer. 

We sent all our correspondence with XXXX and XXXX XXXX to XXXX XXXX XXXX, XXXX located in XXXX XXXX. He sent notification that we hired him and for all correspondence to go directly to him. He never heard anything back from XXXX or XXXX XXXX. 

On XXXX XXXX, XXXX we received a collection notice letter from National Commercial Services on behalf of XXXX requesting payment of {$2300.00}. I sent this directly to my lawyer who sent correspondence on XXXX XXXX, XXXX notifying this company that he represented us in the collection matter. 

XXXX XXXX has not heard anything back from this company. 

On XXXX XXXX XXXX, I checked my credit report and saw that XXXX has reported me to the credit bureau stating I was delinquent in the amount of {$2300.00}, which is a different amount then what they originally told us we owed back in XXXX. 

We have provided documentation of our payments to XXXX, we have put in writing that we disagree with the amount they are requesting and they have failed to send any results or supporting data of what we owe. XXXX also refuses to contact my lawyer even though they have been put on notice that he represents us.
Consumer complaint received 2017-10-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XXXX/XXXX/XXXX {$370.00} XXXX XXXX XXXX XXXX claims there is an unpaid lease charges reported by Toyota Financial Services. XXXX XXXX claims I HAVE TO DISPUTE THE VALIDITY OF THE DEBT within 30 days, otherwise they will ASSUUME this debt is valid. I called their provided number and I have reached is a voicemail. 

I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX all obligations have been fulfilled and their record shows a XXXX balance. 

I have also called XXXX XXXX XXXX today after receiving the letter from XXXX XXXX XXXX XXXX, and confirmed my lease payment has been fulfilled and account was closed since then.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-10-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: VANDYK MORTGAGE CORPORATION (NM)

Yesterday XXXX XXXX, XXXX, I advised XXXX XXXX our agent with VanDyk Mortgage that I wanted to change lenders because issues after issues have arose during the closing process and the sellers became frustrated with the lender. XXXX XXXX told my real estate broker, XXXX XXXX that he would speak with is boss about the situation. 

Today XXXX XXXX, XXXX my broker called XXXX XXXX and XXXX XXXX told my broker to call his boss XXXX XXXX. My broker advised XXXX that I XXXX XXXX ( the borrower ) would like to transfer to another mortgage company and that I want our file sent to us via email so that we then can forward OUR legal information to the new lender. ( which was the same initial request that I requested from XXXX XXXX ) XXXX XXXX proceeded to argue with my broker stating " You want us to do a courtesy? '' and, " I 'm not bound by any agreement to release any information given to us by the borrower back to them or anybody. '' As well as, " The borrowers have the originals they can resubmit them to the new lender. '' After my broker stressed that getting the paperwork together again would take time and may be a problem that we need the bulk file of all the paperwork we 've submitted to VanDyk Mortgage, XXXX continued to argue with the my broker at which time my broker ended the call. 

I figured it is illegal for a company to refuse to release any legal documents that are mine back to me.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

I rec 'd an email from Equifax TrustedID XXXX XX/XX/XXXX that reported a credit report alert. 
About XXXX XXXX XX/XX/XXXX I read and checked online what the alert was about. It was an updated adress which was correct but no acccount with it that it was related to. 
At XXXX I recieved a text from XXXX XXXX that they had detected activity needing my attention. I went online and so no change so I called the number proveded in the text XXXX I waited on hold for over 30 minutes. Then a woman ansered I explained the above and she said they are extremly busy today and I had been automattically transfferred to a different department that could not tell me what the issue was but would transfer me to the fraud department. XXXX. I explained I would like to know what the issue as I had an alert emailed last night. She said she could only guess but to call that fraud number. I called andd it was an automated number to place a fraud alert on the account. The instructions were unclear and did not allow you to speak with anyone. 
The reason I signed up with the service is that it was to protect against issues due the the Equifax leak. I have since learned that the best way to protect is to have a freeze placed at all Bureaus but that cost us the consumer more money. My previous complaint XXXX had to do with inability to communicate with Equifax and XXXX XXXX. Issue continues
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (CA)

XXXX XXXX  has been inaccurately reporting this account as opened on XX/XX/XXXX when it was opened when my father was still alive. He died in XXXX. They keep re-aging this to try to collect a mere {$230.00} and destroy and damage my credit report. I have sent Experian a certified letter on XX/XX/XXXX asking to remove this as an Early Exclusion because it is technically over 7 years old. XXXX has been reported to the FDIC, but they have told me to file my complaint with CFPB since Experian keeps this on my credit report. They must remove this! It is extremely false, damaging, not to mention illegal. XXXX XXXX  is inaccurately reporting and Experian has a duty to remove this immediately. I need CFPB to step in and enforce penalties and damages here because the Courts are closed. I need CFPB to enforce the Consumer laws because XXXX XXXX  keeps to continue lying about this old re-aged account that they continue to report illegally. They should be assessed punitive damages for their intentional act to destroy my credit and I will NOT pay for an item that should have been removed years ago!
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

A remark was made from XXXX XXXXXXXX XXXX on my credit report, which significantly lowered my credit score. When contacted XXXX XXXXXXXX XXXX, rep was not able to find or locate such remark. As a result, XXXX XXXX XXXXXXXX was not able offer a solution to resolve the problem, while the remake remains in my credit report. This is detrimental towards my financial well-being as my credit score has dropped significantly.
Consumer complaint received 2019-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (MA)

I recently noticed a {$500.00} Moneylion on my credit report which i never obtained, or was obtained by someone illegally under my name. I have contacted XXXX to dispute this account now onto collection, but they are unable to verify the authenticity of the loan and are referring me back to Moneylion. After weeks and hours of attempting to contact Moneylion i have had no success getting a live person to help me or any calls or emails back to address this issue. My credit has been negatively affected by this, its a default loan now through collection and worst of it Moneylion should have verified the identity of the persons who they provide loans to. This is illegal and I need them to fix this!! 
Desired Resolution : Correction to a credit report Desired Outcome I need the correction on my credit report and i need the business to contact me on how this happened and a formal apology!!
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am now requesting proof of previous investigation. I am asking you send your method of investigation along with all the records You spoke with, their Business address, name and phone number as well as document that proves this account ( XXXX ) was late. If you can not provide this information within 15 days, please update the account to pay never late and send me a copy of my updated report.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

Using the annual credit report website, I attempted to obtain my report from Experian and XXXX. XXXX was successful, but when I got to the other two, they asked 4 questions to verify my identity. None of the questions applied to me at all and I answered them " none of the above ''. They then said they ca n't verify my identity and I ca n't get my report. This has happened twice in a row with both of these companies. None of the identifying questions apply, yet they say they ca n't verify my identity and I must mail in a bunch of stuff. If XXXX can ask me correct questions, so can they. I 've spoken to many people who have had the same problem. It asks about a car loan and how much my payment is, a credit card I allegedly have, and a mortgage. I have NONE of the above, yet it asks me those things, then shuts me down. I feel they do this on purpose in order to get around giving the free credit report online. It 's an ongoing issue and I 'd like my credit report from these agencies without the hassle of having to answer questions that do not apply to me.
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CHECK INTO CASH INC. (MO)

I was a former employee of Check into Cash in XXXX MO. The same day XXXX quit I applied for a loan based on my credit score I was approved for a {$500.00} installment loan. The next day I received a phone call from the District manager stating that I had committed fraud and I needed to have funds pain back on the nest business day which was the XXXX. I was not aware that you were not supposed to give loans to prior employees but she told me I would be arrested. I was told that I was not allowed back in the store so I had someone else take the cash in. They did not give her a receipt. I phoned an asked if the cash was received and she said yes. She wo n't give me a receipt.
Consumer complaint received 2019-08-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company won a garnishment against me in a judgment on XX/XX/2019.

The garnishment did not commence untilXX/XX/2019.

The garnishment was paid in full on XX/XX/2019. 
The amount of the garnishment was XXXX After the amount was paid in full plus an additional {$20.00} that was not agreed upon the company never reported that the account was in charge off status and judgment/garnishment status. 

I want the company to accurately report the judgment and garnishment and refund me the extra amount that was over paid. 

This company held me hostage for over two years. And refused to let me default on the loan. And then refused to reflect the correct status of the loan even after it had been paid in full. 

The company forced me to pay {$13.00} more that was not originally stated by the judge in the judgment against me. 

The company forced me to pay extra for the many mistakes they made and they continue to make more mistakes by fraudulently reporting false information.