davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX, XXXX, and Equifax continue to report inaccurate information with the listed account DEPTEDXXXX Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2017-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Javitch, Block & Rathbone LLC (TN)

I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-09-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

I have faught and won against this same debt collection 3 times at this point. I do not owe this company any money as i have not business with them. I requested that XXXX remove this negative info from my consumer report and it keeps returning from a different 3rd party debt collector. The burden of proof is on the credit reporting agency to verify the accuracy and relevancy of all info reported. This is clearly described in U.S Code 1681i where is also mandates that once info has been certified as false, it must be " permantly removed ''. My ability to obtain credit has been negatively affected through a tarnished consumer report.
Consumer complaint received 2023-10-30
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: Experian Information Solutions Inc. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Mortgage XXXX - XXXX XXXX, is inaccurately reporting on my credit file. XXXX XXXX is reporting : Opened Account on XX/XX/2023 with one payment on XX/XX/2023. 

This is SEVERELY INACCURATE! 

Account was opened on XX/XX/2023 and first payment was made on XX/XX/2023, along with a second payment on XX/XX/2023. 

Several attempts have been made with XXXX XXXX to update my credit file with correct reporting information, they failed to update my credit. XXXX XXXX representative stated to file a compliant. 

This is unacceptable and I'm requesting the IMMEDIATE update of my credit file to reflect : Account open - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX on - XX/XX/2023
Consumer complaint received 2016-06-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (IA)

The company National Credit Adjusters has repeatedly contacted me despite requests not to do so, from a number that is masked on caller ID as a different number, claiming I owe a debt that they can not/will not verify in an official notice. I have received unofficial email notices claiming I owe a debt around XXXX dollars or XXXX dollars, representatives on the phone say I owe north of XXXX dollars. The debt amount changes with every different contact, and they still have not sent a notice to me to date despite me asking. This company operates in a way that I am convinced this is either a scam or the most unprofessional agency I have ever dealt with. I would like someone to help me straighten this issue out because the company and I can not seem to hash anything out at all, and they have threatened legal action despite not providing any paperwork that I even owe anything.
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MD)

I requested a refund from Citibank in XXXX 2015 secondary to duplicate payments made on my Sears MasterCard. I forwarded a written request for and proof of payment of these funds to Citibank on multiple occasions. I have contacted Citibank on numerous occasions since my initial correspondence, but to date I have not been refunded for this overpayment.
Consumer complaint received 2015-10-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

12 months ago I had to start paying my mortgage payment to PennyMac by Money Order because I had a payment to go past 30 days, this was there policy when this happened. In XXXX 2015 I noticed the payment that was made was not credited to the account, I had proof that the cashers check was received by PennyMac, who received it and what time. I spoke to a lady at PennyMac and they said they do n't have it, I had to fax the copy to PennyMac. When I talked to the lady at PennyMac ( XXXX ) she told me she had talked to my bank and the check had not been cashed by them. She said she would stay in touch with us and that it would not go against my credit and there would not be any late fees. I told her I was trying to refinance and did n't wont to hurt my credit. After 2 months I called PennyMac back because they had n't called me and I spoke to XXXX again, this was after I had left her 2 messages and she never called me back. I called because I noticed my credit score had dropped XXXX pts. When I spoke to her she said it was pretty much on me and I should have stopped payment, there was no conversation about stopping payment when I spoke to her the first time. My wife went to the back the next day to have them stop payment on the cashers check, the bank can only do it with a letter from the mortgage company with their letterhead stating why the cashers checked needs to be stopped. Since she did n't take care of what I asked about I asked to speak to her supervisor, XXXX XXXX got on the phone and pretty much said the same as XXXX. He did tell me they would put in a request to change the credit report and XXXX will call me back in a few days. She called me back on Friday of that week and told me she had tried to get a hold of my bank and had left messages and know had called her back. My wife talked to the bank and he had no calls or messages from XXXX at PennyMac, my bank had left her messages and know return calls. On Monday this week XXXX/XXXX/15 XXXX called me back and told me she had not talked to my bank and they were not able to send my bank a letter on their letterhead to stop payment on cashers check. She called me back on XXXX/XXXX/15 and left me a message and tried to call her back XXXX/XXXX/15 in the afternoon and left her a message and then called he back on XXXX/XXXX/15 and left another message. It 's XXXX Friday XXXX on XXXX/XXXX/15 and see have had know call back from XXXX. I talked to the bank and she still has had no conversation with them. The website shows all payments have been for XX/XX/XXXX and XX/XX/XXXX but no payment for XX/XX/XXXX, When I spoke to XXXX he said that payments were applied to XXXX and XXXX and no payment had been made for XXXX, they do n't know what 's been made. During the past 3 months I 've had 3-4 calls a week from an automated phone system, I 've received in the mail every week of ways to get your loan caught up or foreclosure or shot sale.
Consumer complaint received 2016-07-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

XXXX, XXXX, XXXX, has a Santander Consumer Auto Loan that is showing up on my credit report that is not me. I spoke to Santander today at there Credit Dispute Office and they confirmed that this auto loan is not me and that I never had a loan with them.
Consumer complaint received 2015-05-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

found out that over the past 2 years literally XXXX payment has had even just a little bit applied to the principle balance. over XXXX paid and only XXXX paid on principle. I currently owe more that i loaned for and more than the car is worth. auto lender- SANTANDER .
Consumer complaint received 2016-08-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

On XXXX XXXX, 2016 my home was damaged by a hail storm. Following the inspection by my insurance adjuster, I contacted my mortgage servicer, PennyMac, on XXXX XXXX, 2016 to initiate the claim process and determine what documentation would be required to repair the damage to my home. At that time the specialist informed me that I am able to act as my own general contractor and emailed me the claims package with the required forms and all documentation I needed to return. The specialist was very clear in her instructions, detailing all information I need to provide on the notarized Mortgagor 's Affidavit and as well as the information I needed to include the letter stating that I will act my own contractor. 
Once all required documentation was collected and the claim checks received by the insurance company, I overnighted all information to PennyMac on XXXX/XXXX/2016. On XXXX XXXX, 2016 PennyMac received all documentation in the overnight packaged and proceeded to deposit the insurance claim checks on XXXX/XXXX/2016. 
Based on the information I received from the PennyMac specialist on XXXX/XXXX/2016 and after receiving the insurance adjuster 's damage estimate, I began to make the necessary repairs to my home paying for the materials from my personal funds, based on the knowledge that I was able to act as my own general contractor. 
I did not receive any correspondence or other communication from PennyMac with the status of my claim. On XXXX/XXXX/2016, I called PennyMac and spoke to another specialist who informed me that my account was in " Express Monitor '' status and the accounts payable department is in the process of creating your disbursement of the full amount of insurance claim. She informed that it can take 4-5 business days and advised that I call back on XXXX/XXXX/2016. When called back on XXXX/XXXX/2016, a new specialist informed me that more documentation was needed and I need to return a signed work contract, lien release and XXXX from a licensed contractor to get my funds released. The specialist said that I am not allowed to act as my own contractor. This is in complete contradiction to the information that was provided on XXXX XXXX, 2016. I 'm begin to occur interest on the out pocket expenses and not sure what recourse is available to receive the insurance claim funds that PennyMac is in control of.
Consumer complaint received 2023-09-07
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. (AL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. 

XXXX XXXX XXXX pulled my credit on XX/XX/2023 and I did not authorize this inquiry. This is a fraudulent inquiry. 

This is a violation of the fair credit reporting act section 1681b ( c ) and a serious breach of my privacy.
Consumer complaint received 2015-12-29
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Cash Express, LLC (KY)

I was unable to pay my payday loan with cash express in XXXX ky. Even after I tried to set up a payment with them, they have called every day. even had a collection agencency call. I was suppose to be able to set up a payment with them. Now cash express is saying I cant make payments. They was at my door this morning to collect.. Not sure if its illegal to harass people at there residents. But this is very over whelming. Please let me know what I need to do?
Consumer complaint received 2016-03-31
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Cottonwood Financial Ltd. (TX)

I received a loan from the cash store for a total of {$2000.00} and was told that the payments will be deducted from my checking account if I was not able to pay. I have been charged an overdraft fee because the funds were not available and even though I notified them in advance the my told me that there was nothing that could do besides refinancing my loan and making me start all over for a payment that was only about {$100.00} dollars cheaper but still almost unaffordable. My payments are currently {$500.00} and I can not afford them I am being charged upwards of 400 % maybe even more.
Consumer complaint received 2015-10-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (AL)

My father a retired XXXX year XXXX XXXX Veteran recently passed away and I went to his local bank, Regions, located at XXXX XXXX XXXX XXXX in XXXX, AL to notify them ( and provide a death certificate ). I asked the bank to place a hold on his checking account to prevent any unauthorized debits while we completed the probate process and the bank personnel refused to do so. They were extremely rude and demanded that I provide letters of testamentary from the probate court, even though I was not trying to access the account.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2016-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HOMESTAR FINANCIAL CORPORATION (FL)

I obtained a mortgage from Homestar Financial Corp. for {$60000.00} at 3.5 % interest rate. The loan number was XXXX. I made my first payment of {$31000.00} to pay off part of the mortgage on XXXX/XXXX/2016 to Homestar. 

They cashed the check on XXXX/XXXX/2016 and applied only {$660.00} toward the mortgage and then sold the mortgage to XXXX ( account number XXXX ). The balance transferred to XXXX was {$59000.00}. This balance clearly failed to reduce the amount by the additional {$30000.00} they had cashed on XXXX/XXXX/2016. 

After I received the XXXX statement in XXXX and saw that clearly that the bulk of the XXXX payment had not been applied to the mortgage balance transferred to XXXX. I called Homestar and they always transferred me to " XXXX ''. 

XXXX never answered her phone and XXXX or XXXX messages went unanswered. Finally, I told the operator at Homestar that I needed to speak with someone other than XXXX. I spoke with XXXX XXXX and she was helpful in getting us answers even though it was not her Dept. Shortly afterwards we received a called from XXXX at Homestar who did n't know what happened. She finally tracked it down and and called back and told us that she had not known " what to do with the rest of the XXXX after subtracting the XXXX XXXX payment ''. This was now XXXX. She said she would mail it over to XXXX. The additional {$30000.00} ( the remainder from the {$31000.00} we sent on XXXX XXXX ) finally did arrive at XXXX and posted on XXXX XXXX. 

The issue is this. XXXX feels like Homestar did nothing wrong. I pointed out to her that from XXXX XXXX to XXXX XXXX I had to pay 3.5 % interest on the XXXX that I should n't have had to and asked to be compensated. XXXX insisted Homestar did nothing wrong. I then called XXXX XXXX at Homestar and asked that someone from Homestar besides XXXX contact me to discuss this issue. That was on XXXX. As of today, XXXX XXXX, no one from Homestar has contacted me to address this issue. Their lack of reasonable response has forced me file a complaint.
Consumer complaint received 2016-01-19
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Bliksum, LLC (CA)

LoanMe is reporting erroneous late payments on my credit file and I would like them to update their information accordingly. I made payment arrangements for the end of XXXX, 2015, however there was a miscommunication and my bank account was not charged until 8 days later, on XXXX XXXX, LoanMe made an unauthorized charge to my bank account for twice the amount we had agreed to pay. It appears that LoanMe is penalizing me with late payments being reported to the credit reporting agencies every time I made a payment arrangement with them. Had they communicated to me that a payment arrangement would have resulted in a late payment I never would have agreed to the payment arrangement.