davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I am re-filing filing the previous complaint as I was not given a reason for having XXXX consecutive inquiries for an application. Telling me in my situation is not an explanation. How is my situation different from people who only get XXXX credit pull or an application or all of the pulls from different agencies all on the same day of the application. Saying in my situation is not an acceptable answer unless you expalin to me what my situation is/was that justifies consecutive day credit pulls.
Consumer complaint received 2018-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Credit Adjustments Inc (GA)

I received a letter stating my wages would be Garnished for Credit Adjusments Inc. I tried to contact them by phone in XX/XX/XXXX. Twice leaving messages asking to enter into a voluntary repayment plan. I never received return call and now they ARE garnishing my wages. I finally reached them and was told the only way to lift the wage garnishment was to pay off the entire amount of {$28000.00} and that even if I did enter into a repayment plan it would be in ADDITION to my wage garnishment. 

I would love to set up a long term repayment plan but they will not work with me.
Consumer complaint received 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

well I called my Mortgage company to see why my monthly mortgage payment has increased from XXXX to XXXX they said it was because I needed a certain amount of money in my escrow so they put money in their for me with the money they got back from my old Mortgage insurance company. When they dropped me. This is not true. Because when I called safe point insurance company they said nobody from XXXX ever contacted them. 
But it was me that decided not to continue my mortgage company insurance with safe point. The forced insurance enforced by XXXX is XXXX annually. divided between 12 months. first when the first enforced the insurance the Mortgage bill only increased to XXXX. The Amount that XXXX Employee XXXX Employee number XXXX gave me was XXXX. She said they sent this amount to XXXX XXXX   XXXX XXXX. and safe point insurance company sent them back XXXX as a refund. Safe point insurance company said they never received a dime from XXXX. Another complaint I have is that they changed my original due date due by XX/XX/XXXX to due by XX/XX/XXXX. They told me my original agreement would not change. They also reported the wrong amount due on mortgage to credit bureau. the stated i oue XXXX when on the statement I oue XXXX
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent a letter to the credit bureaus on XX/XX/XXXX, disputing 3 errors on my credit report. THey were supposed to investigate and respond by early XX/XX/XXXX, but they have not.
Consumer complaint received 2018-08-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP (NE)

I recently turned in a lease thru US Bank. I paid the lease off early and was almost 3000 miles under the lease agreement. About a month after I turned in the lease a received a bill from US bank for {$930.00} for wear and tear and a contract termination fee ( {$390.00} ). The letter said I could call them to dispute any of the charges. Included in those charges was {$35.00} to replace oil, which was changed as scheduled at the dealership us bank does business with. {$200.00} for scratches in the truck bed, it's a truck and this is not covered in the lease agreement. US bank called me before the bill was due for payment on XX/XX/XXXX asking for payment. I attempted to dispute the charges of the oil change and truck bed scratches and was told it was non negotiable, which is very deceptive since letter says to call them to dispute. I asked to pay {$700.00} and wanted to dispute the rest of the charges. The rep told me the vehicle was already sold and that nothing could be disputed.
Consumer complaint received 2018-08-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: KEYCORP (VT)

I requested a 2 month extension with key bank as I ran into a financial situation which I'm still in. I was told if I called back in XXXX or XXXX they would help me so I did. I had my father call as he is on the loan too. And they gave him a hard time. I'm still fighting with them I have reported them to the XXXX. I got a letter from them stating that my hardship provided indicates a long term hardship all I asked for was 2 months so I could get caught up do I wont lose my car
Consumer complaint received 2024-11-20
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. (AZ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-20
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. (CO)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$25000.00XXXX XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-08-16
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. (NC)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, DEPT OF ED Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$89.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX Account Number : XXXXXXXXXXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX  {$540.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$110.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$110.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$540.00} XX/XX/XXXX
Consumer complaint received 2018-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc. (IL)

I received a certified letter stating that my loan was finally paid off on XX/XX/XXXX! This was after they dated and sent out the letter on XX/XX/XXXX! I contacted the company on XX/XX/XXXX to find out that my loan had been paid off and I no longer owed Advanced America. I have since had to contact them 2-3 times a week to see if they have received my over payment check back in the mail. I contacted the company on XX/XX/XXXX to receive an attitude for the worker. I was told that they can cancel the check that was mailed to me after it was sent to an address no longer used. I received the letter stating that my loan was paid off at one address but they mailed a check to another address! 

It would then take 2 months for them to issue me a new check! That is completely unacceptable as they didn't think twice about receiving the money from them so why should they need this long to issue a new check? 

I do not appreciate getting an attitude when I am asking because I need the money as once again I am hurting for cash but I refuse to take out another payday installment loan! There are other ways of handling things when I am not even giving you an attitude. Since XX/XX/XXXX I have had to contact the company and contact the post office to see what is going on! I have wasted more of my time than should've been needed to correct this in result of using this company. 

I was indirectly called a lier as Advanced America does not send out certified letters however I received a certified letter in the mail at my home stating that my loan payments were completed. The employee continued to give me an attitude and state that they do not send out certified letters when loans are paid off but I can be sure to bring it into the location just to prove that I received it. 

I am unsatisfied with the treatment I have received from the employees at this company. There has been no problem up until now ... .why? Because my loan is paid off?
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 2. 15 US-CODE 16921 XXXX XXXX XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TN XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2018-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Action Credit, LLC (TX)

I fell Behind on my be payment.. the CSR called to collect payment I asked if I could make the payment on Friday since thats when I got payed they asked what was the reason why I fell behind I let them know we had a medical emergency and that is why I couldnt make the payment. Then the CSR responded well I dont care what your excuses are I need the payment and I need it now. I told her I could make the payment but until Friday. She said she couldnt wait and needed now. I told her all I could do was Friday and that I had to hang up cause I had to go back to work. She then replied well Im going to call your work to speak to you. I worked at a XXXX XXXX and I had already asked her several times to stop calling me at work. She called me the next day at work and I again told her couldnt make the payment and that I had asked to stop calling me at work because I was going to get fired. The initial call was on a Monday and she kept on calling my work all the way through Thursday on Friday when I was going to give a payment she told me it was a higher amount and hat I didnt have and she couldnt accept the lower amount. This person started calling the whole world to tell them to ask me to pay my loan and gave out information about my loan dates taken out amounts days I was past due and all the details. I spoke to her and told her that what she was doing was wrong and that I was just goIng to wait until the loan was charged off so that I could pay off because I didnt want to deal with her anymore. She said she didnt know what if was talking about that I never asked to stop calling ... i was fired from my job due to the many calls she made to work and now Ill really dont have a job to pay them back with
Consumer complaint received 2018-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (ID)

I was contacted by GE Capital, XXXX XXXX, and granted a {$5000.00} personal loan for debt consolidation. I was told I needed to supply them with {$100.00} for loan fees, and then my money could be funded. After I paid them {$100.00}, in the form of a XXXX XXXX card, I was told I needed to pay {$470.00} in state taxes, and was sent a letter from the Federal Trade Commission, their letterhead was on the letter, and was told that the XXXX XXXX XXXX backed the Federal Trade commission 's request that I prepay the state taxes. The State of Idaho would then refund me the {$470.00} with a check sent to my personal residence. All of this was for the loan of {$5000.00}, and the {$100.00} loan paperwork fee to my account. When I questioned him, he sent me a letter stating that GE Capital was funding this loan, at no point ever did he ask me to sign any loan origination paperwork, nor did he ask me for any personal information like my social security number, or anything else for identification. Mr. XXXX got very upset with me when I told him I could not afford that, and that I was going to go to the Federal Trade Commission, the State of Idaho Attorney General, and the XXXX XXXX XXXX to find out if he was legitimate, he told me that if I couldn't be trusted to pay the taxes, how could I be trusted to pay back a loan.
Consumer complaint received 2018-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I have an open-end line of credit with CashNet USA which is illegal in XXXX  and may be predatory lending due to the APR of 299 % for cash advances and the excessive amount of fees charged ( 15 % on cash advances, for example ). When I signed the attached loan agreement in XXXX, I was not aware that CashNet USA had my old XXXX  address on file. I moved from XXXX  to XXXX in XX/XX/XXXX. My understanding is that CashNet USA does not have a license to offer open-end lines of credit in XXXX. This loan should be null and void - the current loan balance is {$1400.00} and I have been making semi-monthly payments since XX/XX/XXXX ( XX/XX/XXXX and last day of each month ) of between {$300.00} and {$350.00}. I should no longer be obligated to repay it because CashNet USA should not have offered this loan to me in the first place knowing that I live in XXXX and they don't have a license to offer these types of loans in my state. I used my XXXX address when I applied online for credit with CashNet USA, and I also verbally informed them of my relocation during the application process. Most importantly, I believe that the excessive APR and excessive fees are  viewed as predatory lending practices in XXXX
Consumer complaint received 2018-08-16
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. (NY)

I reviewed a copy of my credit report on XX/XX/XXXX and found multiple hard inquiries that are invalid and not mine ( fraudulent ). After calling TransUnion and asking to have them removed, I was transferred to multiple representatives and ultimately told to contact each creditor individually. After doing so, I was told that TransUnion must be the one to delete such errors. These inquiries were added to my credit report without them being able to validate that they were in fact mine. I explained to them multiple times that I did not authorize these inquiries but they refuse to help me. I also asked a supervisor from TransUnion to send me proof of these inquiries being made by me and he was unable to provide any such proof. I would like the following inquiries removed from my report as they are violations of the FCRA. XXXX XXXX XXXX:XX/XX/XXXXXXXX:XX/XX/XXXX XXXX XXXX XX/XX/2017 XXXXXXXX plcc:XX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX:XX/XX/XXXX
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection (NY)

In 2015 a salesman from XXXX talked me into getting an alarm system. 
He gave me a price and I accepted, but XXXX kept raising my bill, also the house is rented and my landlord rejected it. Another factor is I'm XXXX years old and XXXX XXXX XXXX  for XXXX  XXXX ... It turned out I had to stay at a VA hospital and wasn't home ... I called XXXX and begged to be released from the contract.Within 2 weeks they removed the equipment and I thought it was over. Next thing I know they referred the account to Perfection Collection and kept charging me monthly until the account rose higher and higher..I never received any letter of resolution from Perfection, the only way I found it was that my excellent credit took a serious hit..I keep getting refused for credit because of this collection company..It shows up bad everytime ... I need to erase this black mark as soon as possible..It is unfair, I was taken advantage of by XXXX because I suffer XXXX XXXX and didn't know for sure what the terms were. Can you please help me?
Consumer complaint received 2017-10-23
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (VA)

Navient has made several attempts to get information from my employer. They have called my office line, my company and have mailed requests to the company requesting that they disclose personal information about me and my employment. My company has a policy to request my authorization before releasing such info so I do not believe they disclosed. Navient should not be phishing and making attempts to acquire information about me through my employer.