davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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. (TX)

I have an account with Equifax credit services and check my credit report everyday. I noticed on my credit report there was information that didnt belong to me such as inquiries and credit accounts. I submitted a dispute for the inquiries that I realized were not made by me, I submitted my ID theft request as well as my police report filed that showed these inquiries were not made by me but when my personal information was stolen. Equifax took less than XXXX hours to come back with a decision on my dispute, Every time they state that inquiries are a factual record they are unable to verify the inquiries and they do not do an investigation at all. I submitted another dispute after this one and it took them less than XXXX hours to come back with a decision again. I submitted the same dispute with XXXX and XXXX and these items were corrected. Equifax refuses to do a complete investigation. I informed them that this a violation under the Fair Credit reporting act, and them stating that inquiries are a factual record is not sufficient they have to verify the information which they have been unable to do. Despite me informing them Of this they refuse to remove the false information from my credit report. Which under the Fair Credit reporting act if the cant verify the information they MUST delete it. 

Furthermore they often go months without updating information, and they give conflicting information to other credit reporting agencies. I pay for XXXX that allows me access to all three of my credit reports, Equifax has not provided an updated credit report to them since May. They also refuse to update my current address so I do not get the letters they send out. I submitted a dispute to change my current address they ignored it and updated it to the WRONG and OLD address on file that I did not tell them to. 

I filed a dispute against XXXX XXXX for not having accurate information. They stated that they get their information straight from Equifax. Currently Equifax is reporting to XXXX XXXX that I have XXXX hard inquiries, that is insane However on the actual Equifax site I only have XXXX Hard Inquiries. They refuse to correct this information with XXXX XXXX. Equifax continues to be the only Credit Bureau that refuses to do accurate investigations as required under the FCRA, correct wrong information and update the credit reports in a timely matter. There actions have not only violated my rights under the FCRA but continue to have a negative impact on my credit score. I have been denied numerous credit applications because of their negligence. My next step is legal action
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (CA)

I recently initiated a dispute regarding a tradeline on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that information providers furnish accurate and verifiable data. The specific tradeline in question has been reported as " ND '' ( No Data ) for the past XXXX months by the data furnisher, indicating a prolonged absence of any reported information. In my dispute, I emphasized the FCRA 's requirement for truthful and complete reporting, highlighting that such prolonged non-reporting could inaccurately reflect on my credit history. I have formally requested the data furnisher to either substantiate the accuracy of the reported information or remove the tradeline from my credit report to ensure compliance with FCRA standards.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

A trade in was done, deal closed and signed and the trade off vehicle was reported as paid in full and a refund of overpayment was received from the lender. Weeks after the deal was made, XXXX XXXX identified a mistake on THEIR side of the deal. I was unwilling to personally co sign behind the car, which was what their resolution was. I also returned the car to them. They " reinstated '' the original loan of the vehicle I traded in, which is and is still in their possession, and then reported the loan delinquent. I never authorized the loan to be reinstated, they never returned the vehicle either. I have requested multiple times documentation showing they are legally allowed to do this which they never provided ( because they knew they were outside their time frame ). The mark on my credit report dropped my score nearly XXXX points. All contact made with XXXX and XXXX XXXX has been ignored.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IN)

On XX/XX/XXXX I was reviewing my statements because I had a promo rate that expired XX/XX/XXXX and another one that is due to expire XX/XX/XXXX. 

Since I make auto payments I don't review my statement each month. I check about every two months to make sure my balances are on track. 

Knowing that I had a 0 % of {$5600.00} expiring on XX/XX/XXXX I made a payments of {$1500.00} on XX/XX/XXXX and {$5000.00} on XX/XX/XXXX to pay this amount off. 

Instead of paying this entire balance off, they split the {$6500.00} between this balance and a 0.99 % balance that expires in XX/XX/XXXX. 

Therefore, now I am accruing 22.49 % interest on the remaining amount of the {$5600.00} that they did not pay off. 

The representative I spoke with said my payment needed to be applied to my higher interest rate which was the 0.99 % instead of 0 %. Which under normal circumstances I would understand, pay the higher interest first. However, that can't be the case when there is a promo rate that is expiring. 

I'm sure our laws are meant to help protect the consumers, hence the pay the higher interest balance first. But if this is the case, then then the promo expiration dates don't have any true meaning. As soon as you use the credit for a non promo purchase, you will have your money moved to the new balance and you will never get your promo paid on time, and you will accrue interest on both.
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP (WI)

Rausch Sturm LLP has garnished my check from a debt in XXXX which I was given a 1099C in which I had to file on my taxes which I sent a copy to them 3 times with the last paperwork being sent certified in XXXX. I reported this issue to them on XX/XX/XXXX they sent me a letter stating that they were going to reopen the judgement and amend to correct my name. My question then if is closed how are adding different employment for me on the judgement which had a place of employment I had never worked. They are sending my information to third parties which they did during XXXX! XXXX. My information was sent to New Jersey and I get a letter from the state that my PP loan was denied they informed I would have to get a IP PIN to file taxes for the rest of my life. Now on XX/XX/XXXX I get a letter with same case number for XXXX Bank which was on the original judgement now they change the name of the company to XXXX XXXX XXXX XXXX with the same case number XXXX. I'm a over XXXX and work a seasonal job to help with expenses. They have violated so FDCPA laws.
Consumer complaint received 2023-03-15
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. (CA)

In according to the Fair Credit Reporting Act, this creditor XXXX account # XXXX XXXX reported a 30 day late XXXX XXXXand XXXX XXXX XXXX XXXX account # XXXX  reported a 30 day late XX/XX/ has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-19
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. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This letter is a formal complaint that CAPITAL ONE AUTO FINANCE is reporting inaccurate and incomplete credit information on my credit report. 

I have called their attention to the SEVERAL Errors but they replied to let me know that the information are correct. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure that the information reported is completely accurate and correct. 

15 U.S.C. 1681i : This section requires that upon receiving a dispute, the information furnisher must conduct a reasonable investigation to verify the accuracy of the disputed information.

15 U.S.C. 1681s-2 : This section mandates furnishers of information to provide accurate information and to promptly update and correct any information that is found to be inaccurate.

I have attached highlighted summary of my report for your Perusal.

All items circled and highlighted in XXXX  in my attached letters are ALL INACCURATE.
Consumer complaint received 2024-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (OK)

Got a call XXXX in the afternoon on my cell phone. XXXX Mortgage representative told me that there had been a mistake made on their end doing the tax analysis. First off, XXXX mortgage bought the loan from my prior mortgage company. Prior mortgage company charged appropriate taxes in escrow and there were zero issues. XXXX purchased the mortgage and apparently did not notice the mistake made until XXXX? 

They told me I owed roughly XXXX in taxes and starting in XX/XX/2024 my mortgage payment doubles to make up their mistake. I told the representative that I do not have XXXX nor the finances to cover in increase in double the mortgage payment. At what point is the mortgage company liable for their mistakes made. Also, who else have they done this to and how can an average homeowner afford to make double the payment? 

First step was to file this complaint. Second, was probably reaching out to an attorney to help with this matter as I assume Roundpoint will not make this right especially after looking at class action lawsuit against them and their horrible reviews. 

Roundpoint Mortgage was negligent in conducting a proper tax analysis when taking over my loan and confirmed that was not even done when they took over my loan after speaking with representative. 

I am reaching out to file this complaint to search for any help with this matter as I am completely blindsided by this and should not be responsible for this companies negligence. I have also requested that a supervisor call me within 24 hours as they made note on my account.
Consumer complaint received 2024-07-11
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)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT.PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2024-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

In XXXXXXXX XXXX XXXX I refinanced my house to pay off my daughters student loans ( Parent Plus loans ) and my wifes loans 4 parent plus loans valuing {$48000.00} dollars and 5 loans from my wife attending XXXX University valuing {$25000.00} I have not seen anything posted to my account on the parent plus loans even though the account numbers were on all 9 checks and the amounts from the credit bureau I sent them copies of the checks to no avail. The mortgage company satisfied the VA requirement of Loan to value so that the loan could be processed. Just to have MOHELA misappropriate the funds. This is not right all of the checks were earmarked specifically for the purpose of meeting the requirements. I have reached out to the credit bureau and they wont help I have been trying since XXXX to resolve this problem and they said my account was transferred, but now they have sent repayment options, how can they be asking for more money when they misappropriated the money from XXXX with no explanation.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/year> Fair Debt Collection Practices Act ( FDCPA ) Dear Sir/Madam : I am writing to file a complaint against XXXX Collection for XXXX my rights as a consumer under the FDCPA. Below are the details of the situation : - The debt of {$53000.00} they have charged me is not mine and is in the name of XXXX XXXX. 
- I have requested that XXXX XXXX remove the debt from my account, but they have not responded. 
- I believe XXXX XXXX has violated my rights by : - Charging a debt that is not mine. 
- Failing to investigate the dispute of the debt. 
- Failing to provide clear information about the debt. 

I request that you take action to investigate and resolve this situation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC (IL)

In XXXX of 2023, I informed my mortgage company that I was having issues with my mortgage payments. I am informed that I need to fill out a loss mitigation application and was approved for " Covid 19 Recovery Modification ''. I was told the solution would be to change my mortgage rate to 7.75 into a 40-year mortgage, bringing the payment to {$3100.00}. I signed the paperwork and returned it. My mortgage was then transferred to another CrossCountry in Texas, where I started my trail payments in XXXX. I have now completed my trial payments and CrossCountry now states that they do not have any record of said 40 year mortgage. The calls are apparently recorded, and this was information disclosed and agreed to by myself and the mortgage company. The reason for the modification in the first place was to get a lower payment. I am unable to make the full payments going and this will go in default. I need this matter to be investigated. If we need to go to a court of law to play these recordings and disclosures, please advise.
Consumer complaint received 2024-05-16
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. (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXXXXXX XXXX you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2023-03-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Crossroads Systems Inc. (FL)

I found out there was a ppp loan in my name for XXXX dollars. I never received the money nor was I informed about that money. I found out about that information when I searched my name on google. 
Approximately in XX/XX/2021, I filled out the form to obtain a ppp loan at XXXX and it was XXXX XXXX XXXX who issued the money, according to what I saw on XXXX. 
Recently, I have sent various emails and I have also called both companies, but they do not answer messages or calls.
Consumer complaint received 2023-03-13
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: CLGF Holdco 1, LLC (AZ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (IL)

I filed a dispute against a home warranty company in XX/XX/XXXX for fraudulent charges the bank decided to close my savings account for my protection they said they were sending me forms to fill out for disputes and a cashier 's check for the money that was in my savings two weeks went by I did not receive dispute forms or the check they sent me a denial letter saying the reason for the denial was I did not send the forms back I have called them 18 times over this matter they refuse to send me another check for my savings account or the dispute letters this company is not professional at all and they still have not given me my {$120.00} from my savings account customers should not be treated this way