davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

On XX/XX/2020 I emailed XXXX XXXX XXXX and his business XXXX XXXX a check in the amount of {$45000.00}. The funds were a loan issued in the form of a check by XXXX XXXX XXXX XXXX. I was referred to do business with XXXX XXXX and his estabishment by an associate of myself, XXXX XXXX. I verified that XXXX XXXX 's business, XXXX XXXX XXXX 's was a legitimate dealership. This check was to be completed by XXXX XXXX were he would contact XXXX XXXX XXXX XXXX to obtain Verification Number which they would only release to a verified dealership ; also during XXXX XXXX contacting the dealership he would release to XXXX  the vehicle VIN and description. During communicating with XXXX XXXX several times regarding return of funds for not rendering services that he and I agreed upon I had no choice but to proceed with reporting XXXX XXXX and his business for fraudulently misappropriation of funds in this matter.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I have loan with new rez LLc, and in XX/XX/XXXX they asked me to pay XXXX USD but in XXXX they took XXXX USD. I have no idea why did they increased money on my mortgage and also reported same money to credit buero. 

I tried calling them every month and they said they will send escrow analysis but they nevr send neither they clarified why they increased XXXX dollar per month without any notice. the customer services only said its company policy and now its XXXX end XXXX and i still pay higher mortgage. it all happened without my consent or agreement as a result i lost two things - first my monthly house hold bill increased to XXXX 2nd my next mortgage capacity limit is reduced to XXXX as XXXX increased in monthly loan with my good credit rating will reduce my borrow limit of XXXX. 

as per current market rates where builder increasing their seller price up to XXXX XXXX every month. I could find myself in suitable situation to get a good bowering capaicity as builder is increasing property rates. 

I need concerned authority to take care my money and time loss due to negligence of new rez company.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

In XXXX of 2020 I paid off my XXXX XXXX credit card only to find that Commenity Bank assessed fees they have never assessed before so that it could not close. After 2 months they called me with a new balance which I paid half of, even though, again, they were fees that were purposely assessed based on my desire to close the card. I have read a myriad of platforms that suggest this is a predatory process implemented during the Pandemic when XXXX  XXXX itself was closing and going through bankruptcy. This single action and my fight to rid the excess of fees has caused my credit score to decrease XXXX points in 3 months. I have received hundreds of phone calls for now another 2 fees assessed that still equate to below {$100.00}! This is predatory behavior against consumers during a time when our country is in crisis.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (NY)

I received a check in the amount of {$1700.00} for an item that I was selling. I deposited the check on XX/XX/21, waiting for it to clear from " pending '' so that I knew it was in my account. When it cleared the next day as shown on the PNC app, I sent a part of the check to movers on XX/XX/21. The check bounced a few days later on XX/XX/21. 

I called the institution to argue that according to the app, they had released the money into my account without checking for the fictitious check. They said nothing could be done. 

The bank has a system that told me the funds were not " pending ''. The representative told me the check takes longer to verify than the date the funds get released into my account. Why is there such a discrepancy and why even have the word " pending '' then?
Consumer complaint received 2021-03-24
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: Rent Recovery Solutions (CT)

I entered into a lease agreement with the leasing company, XXXX XXXX on XX/XX/XXXX with my roommate for an apartment lease of 18 months. 

On XX/XX/XXXX, I vacated the property due to XXXX XXXX and returned one week later on XX/XX/XXXX to remove my belongings. 

That same day, I informed XXXX XXXX that I wanted to terminate the lease agreement. They refused even though I informed them I was moving due to feeling unsafe in the apartment. They witnessed first-hand the heightened tensions as I was moving out and suggested that I call the police. XXXX XXXX insisted that in order to terminate the lease, my roommate would also have to agree to termination and move out or take over the lease himself - both of which he refused to do. 

Previously, XXXX XXXX were notified by animal control/police that my roommate had been seen acting violently towards my dog on their property, which resulted in animal control removing my dog. 

On XX/XX/XXXX, I notified XXXX XXXX, that I was moving out of the property and gave them 33 days ' notice. I agreed to pay rent for the full month of XX/XX/XXXX. During this time my roommate still refused to move out or take over the lease. 

I attempted to resolve the situation amicably with XXXX XXXX from the date I moved out until XX/XX/XXXX but was not successful and received threats of legal action and court filings. 

Distressed, I contacted a XXXX XXXX  counselor for XXXX counselling. During these sessions I was informed that under federal and CT state law, lease agreements can be terminated under XXXX XXXX situations. My councilor sent a letter to XXXX XXXX iterating this, which they received on XX/XX/XXXX. 

I was informed by XXXX XXXX that my roommate eventually moved out on XX/XX/XXXX. 

My roommate and I received a final bill of {$4500.00} from XXXX XXXX on XX/XX/XXXX. This is the bill I am contesting ; -It itemized fees, rent ( up until the time my roommate moved out ), attorney 's fees, notice to quit and Marshall served summons on my roommate and a separate utility 's bill of {$69.00}. 
-I should not be liable, or made responsible for these fees as I had already moved out and my roommate was the only person living in the apartment. 

As further evidence, please find enclosed email correspondence and a copy of the letter from my XXXX  XXXX councilor as supporting documents to XXXX XXXX.
Consumer complaint received 2021-03-25
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: Experian Information Solutions Inc. (GA)

I filed Chapter XXXX bankruptcy in XX/XX/XXXX. XXXX  XXXX XXXX XXXX was listed as a creditor on the bankruptcy. However, XXXX continue to report negatively during the bankruptcy proceedings. On XX/XX/XXXX, the Chapter XXXX bankruptcy was discharged without contest from creditors. I have consistently contacted XXXX, XXXX, and Experian, plus XXXX, disputing the the discharged debt. Experian dispute came back as the debt will remain, XXXX  continues report the debt, XXXX continues to report the debt negatively on my report knowing the debt has been discharged. I have reached out to the Vice President, XXXX XXXX, of XXXX to inform her of the bankruptcy discharged and presented all court documents. Her response was that XXXX lawyers informed her that the debt was not discharged which the evidenced shows the creditor is listed and the debt is discharged on page 3 of 5 of creditor report listing XXXX discharged on XX/XX/XXXX. I feel that I have exhausted all efforts with the creditor. As I read the reviews of other patrons of this finance company, they have shared the same experiences with this company. I have attached copies of the bankruptcy discharge report, trustee notes, creditor report.
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I am very upset after seeing my credit report and noticed these inaccurate and unverifiable accounts, because to my knowledge I do not recall any of these accounts I need this problem get fixed asap. I will not wait another 50 days to receive no response because you obviously ignoring me. Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days over so they should be deleted promptly.
Consumer complaint received 2021-03-23
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. (TX)

AD XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1600.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$1600.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$380.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$380.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$400.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$400.00} Date Opened1XX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$140.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$140.00} Date Opened12/15/2020 Dispute Revolving Accountsshow tooltip button
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WV)

I am writing this letter of hardship to explain my financial situation that caused me to fall behind on my mortgage payments. This is regarding XXXX XXXX XXXX XXXX WV XXXX. 

My financial hardship began on XX/XX/XXXX when the state of XXXX WV saw a huge increase of COVID-19 cases due to the nature of my work, which I work for a XXXXXX/XX/XXXXin the XXXX  XXXX  handling money and dealing with customers our Department was minimized and hours and wages were cut. Our facility ended up closing due to stay at home orders, during this time my wages stopped I was not able to pick up any shifts and was not able to work any overtime not only did my mortgage suffer but all my other bills as well I struggled just to put food on the table and keep my lights on. 
Once I returned to work hours and wages were not the same as we were still struggling with COVID-19 making the changes at work was not easy and staff was placed at 50 % occupancy with many departments including cash cage closed this limited the amount of hours available and since I am in the percentile of possibly catching the XXXXhours were given to the younger staff. 

I submitted to SPS several times trying to seek loan modification assistance but SPS continues to decline any assistance. 

Most recent I submitted on XX/XX/XXXX to SPS faxing all required documents as stated by an SPS loss mitigation officer for assistance. On XX/XX/XXXX when I called to get a status update a representative for SPS stated they will not review my documents since can not reduce the payment to an affordable amount, keep in mind I am currently on a 12.5 % rate and only owe XXXX on my home I feel that SPS has plenty of ways on assisting me to get back and current but I feel that they are only interested in my home! 

They have not stopped any foreclosure on my home while I work with them for assistance, I feel that this is in violation of my home owners bill of rights but as stated on the CFPB also Dual tracking, I've asked SPS on several occasions who is my contact there but they have never assigned any specific person to hear me our or to work with me. I need help! 

If SPS had no intention on properly reviewing my documents, then why when I called in to request help they advised me to fax in all documents just to deny me. I think SPS is trying to strech out time to allow me to fall more and more behind just to foreclose on me.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Afni, XXXX Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Creditor Account # : XXXX This letter is to verify that the account listed above has been closed as settled. If information on this account has been reported to the credit bureaus, XXXX will send notification to the credit reporting agencies with instructions to accurately reflect its current status. 
If you have any questions, please contact our office toll free at XXXX Monday - Friday XXXX - XXXX CT. 
NOTE : This is a receipt for payment. However, if the payment received is later determined to be invalid, collection activities will resume, and the balance will again be owed. 
You have the right to inspect your credit. This letter is from a debt collector. Sincerely, XXXX, XXXX. 
XXXX reditor : XXXX, subsidiary of XXXX Original Creditor : XXXX Account # : XXXX Reference # : XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX, FL XXXX ( XXXX ) XXXX https : XXXX XXXX Hours ( Eastern Time ) : XXXX AM XXXX XXXX M Th XXXX XXXX XXXX XXXX F XXXX XXXX XXXX XXXX Sat. 
This is to inform you that we have received payment ( s ) totaling {$350.00}. Your last payment was received in our office on XX/XX/2021. 
XXXX is now part of the XXXX XXXX. 
Your account has been settled for less than the full original balance. All future collection efforts have ceased, and the residual balance will remain with XXXX. 
This agreement is contingent upon the successful clearance of all payment ( s ) made towards this settlement offer ; if any payments ( s ) made as part of this agreement fail to clear, this letter will be null and void. 
XXXX XXXX, Senior Vice President of Operations NOTICE : This is a communication from a debt collector. 
SEE NEXT PAGE OR ATTACHMENT FOR IMPORTANT NOTICES AND CONSUME
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpha Recovery Corp (IL)

I received a collection letter from Alpha Recovery Corp. on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for a settlement. The agent stated {$450.00} was the least they would accept. I paid {$400.00} by check and set up another check deduction on XX/XX/2021 for {$58.00}. On XX/XX/2021, I called and requested a letter stating the dispute was settled. The representative stated he would put in a request to email the letter and I will receive it by XX/XX/2021. I received a letter stating I owed {$130.00}. On XX/XX/2021, I went in online and paid the {$130.00}, I called the company on XX/XX/2021 and asked why they were not honoring the settlement. The representative XXXX XXXX said, it was an error and the account was settled and closed. I requested a settlement letter via email. I was informed that I would receive it in a couple of hours. She advised me to call again about the payment I submitted online because it has not processed. On XX/XX/2021, I got an alert from all 3 credit bureaus that I had a collection from bureaus investment for {$80.00}. I called XXXX XXXX and spoke with a collection manager named XXXX. He stated that I settled the account and did not pay it in full. He told me to stop talking and listen. I asked why would you give me a settlement then report that I owe {$80.00}. It makes no sense. I never received a receipt or letter stating the account was settled. I explained that I paid {$130.00} from the letter after you agreed to give me a settlement. He became frustrated and aggressive with me and emailed me a letter with the final payment amount of {$58.00} and balance due {$80.00}. I called thee additional times in effort to speak with his boss. They were answering the phone and not saying anything. I repeatedly said hello. This company is deceptive and misleading. The representative settled the account now they are reporting me as having a collection to the credit bureaus. I asked XXXX for the bureaus number and he gave me XXXX. Which is not a number. I have valid concerns and the company refuses to be honest. They are being evasive and giving me the run around.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the DEPTED/XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax and Transunion should not be reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. This account is also over ( 7 ) years old and should not be reporting at all. I have contacted XXXX XXXX as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2021-03-25
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: LoanCare, LLC (OR)

My credit report was pulled multiple times by my previous loan officer- XXXX  XXXX without my consent. I initially gave consent the first time she pulled my report. After that, she continuously pulled my report without notifying me or asking if she could. When I discovered she had done this around XXXX times, I confronted her. She said she would ask for the credit pulls to be revoked. That was in XX/XX/2020. It has been 4 months and none of the credit pulls that followed the first pull have been removed from my report. This is a gross misuse of my personal information and credit report! I should not have to be worried about my own lender sabotaging my credit. 
Furthermore, I would like to report immoral business practices. I was originally contacted by XXXX, she said she was with my companys retention department and that I qualified for a lower interest rate. She did not disclose that I would have to PAY to qualify for a lower rate! Instead she waited until it was time to sign papers and I saw an exorbitant amount of fees being charged for points. When I approached her about this, she verbally abused and manipulated me saying how hard she had worked on my loan and that she isnt an hourly employee, etc etc. not only did she wait until this time to disclose this, it is my opinion that she also had me pay for my appraisal out of pocket in order to make me feel financially obligated to carry through this refi, as I was never given paperwork before the appraisal to go over the fees and costs to get the loan. 
Overall I was partially scammed XXXX {$750.00} for the appraisal ) and my credit report was also misused. 
Now, I have my loan in deferment and can not access my account. Their mobile app has not worked in weeks and their website just had me set up a secondary authentication with my phone number. When trying to log in after this, I would initiate the authentication text but it never comes to my phone! I am now locked out of my account. 
I was given paperwork with an email for the deferment department. I have tried to email it several times and it comes back that the server rejected the email or that the address can not be found! 
It does not seem like this company cares about its people and it does not seem like they are set up to actually help customers while in deferment!
Consumer complaint received 2024-08-27
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. (CT)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2021-03-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person