davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

My family of 4 is currently living in our first house. Due to loss of hours/income with my husband 's job and my career as a XXXX  we were unable to make mortgage payments in early XXXX  We experienced a string of large appliances in the house needing to be replaced such as the water heater, clothes dryer, HVAC repairs which took place over the course of about 9 months of time. My husband arranged for a modification which we defaulted on because of our financialhardships. As a XXXX, I am unable to negotiate higher pay or work extra hours to make up for his income. I tried speaking with PennyMac a couple of times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to try to work out any way to keep our family in our home. We are offering to pay nearly all of the foreclosure amount of {$18000.00}. I have managed to get together {$12000.00} so far, but PennyMaXXXX is refusing to give us another opportunity to get back on our feet. I tried reaching out to resources available to me and was able to get a HUD housing counselor through XXXX XXXX XXXX XXXX XXXX. XXXX worked with me on our finances and we discussed how my husband has been moved to a new department with guaranteedhours and overtime available. She tried speaking with PennyMac on XXXX to negotiate on my behalf, but they denied her attempts as well. XXXX suggested reaching out to CFPB as she feels you have more power than she does to help us. I am confident that moving forward we have worked through the financial difficulties and we just want an opportunity to get back on our feet in our family 's first and only home. With nearly the entire amount to offer to PennyMac and just asking for a little more time to get all the money to get out of foreclosure, I'm hoping we can get the assistance we need.
Consumer complaint received 2024-02-05
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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (IN)

Westlake Financial Services XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX sold the debt. to XXXX XXXX XXXX in XXXX, Indiana their attorney is XXXX XXXX. Row XXXX and in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602 states that I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. I demand the payment be updated to paid on time according to these U.S. laws.
Consumer complaint received 2024-06-05
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TX)

On XX/XX/year> I went to Tittle MAX store XXXX XXXX XXXX XXXX XXXX Tx. I initially request a loan for XXXX dollars. She said approve for XXXX not once did she tell me the APR was XXXX percent screen turn she did a quick run through paper work sign disclosure ... I'm XXXX retired military with XXXX and other mental illness. XXXX XXXX  gone bad. Today I went to visit XXXX  same person did the loan explain it clearly now that I already sign the paper work. I think that was all in the plan get customer through paper work and tell them how easy it is to receive funds directly to your account. This should be illegal for Tittle loan company to take advantage of consumer this way. I paid XXXX and my loan balance is still XXXX, XXXX monthly finance charge XXXX XXXX. Is it Legal in the state of Texas to charge XXXX percent on Vehicle Tittle loan. I ask the Tittle Max is there anyway that can lower the APR I just want to get the loan paid off and be done with it..just don't have XXXX on hand right now and paying XXXX going only to interest should be illegal in all state. Please to advise. There needs to be a Law to Protect consumers from predatory loan Sharks like Tittle Max.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to address the inaccurate reporting of balances on the following accounts in my consumer file. Also, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, regarding the bankruptcy XXXX XXXX XXXX Reference : XXXX, the reported information is inaccurate
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following accounts currently listed and showing on my XXXX and Equifax credit report are unauthorized, fraudulent and not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX XXXX, and I am XXXX. As I'm trying to buy a house, I noticed inaccuracies in my credit report due to identity theft. All my personal information, name, social, and dob were exposed in the Equifax and the Louisiana DMV Data Breach as I was affected as a Louisiana resident. I'm a XXXX XXXX with a XXXX, and I'm trying my best to read and keep up with my credit report. I have no knowledge of the accounts or inquiries. They are a result of identity theft. I need my credit report to reflect accurately. ftc report enclosed. 


* Identity theft inquires reporting inaccurate XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XXXX  XX/XX/year> XXXX Account XXXX *fraud account reporting inaccurate XXXX Account XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX : {$15000.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXXXXXX  XXXX Balance : {$1800.00} ; XXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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/XXXX
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

Sears Mastercard issued by Citibank provided a special offer email for XXXX purchases at Gas Stations, Restaurants and Grocery Stores. I activated the offer on XX/XX/XXXX at XXXX and received a confirmation of the activation from them. This offer was spend XXXX XXXXXXXX {$1900.00} and receive 10,000 bonus points, spend {$2000.00} or more and receive XXXX Thank You Points. After spending over {$2000.00} from XX/XX/XXXX to XX/XX/XXXX I expected to receive these points. After reviewing my account since XX/XX/XXXX no points have been applied so I contacted them regarding this issue. They deny the offer was activated and indicated they don't see it in their system even though I have an email showing it was activated as they provided the confirmation. I have attempted to resolve this on 3 calls but they won't let me submit the proof email. They basically said too bad. I have activated and received several of these in the past with no issue. I was told they have issues with their Thank You Points system but there is nothing they can do. I wonder how many other card holders are being cheated out of points without realizing it.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

I was in a wreck and my lease was paid off in full by XXXX XXXX in XXXX. I was never late on a payment and my monthly payment status shows this with each credit bureau. Initially, the remark on the account said 'natural disaster ' and then it was updated to 'early termination/ insurance loss ' On XX/XX/year>. This remark has caused my FICO to drop roughly XXXX points. This language is erroneously interpreted as derogatory with XXXX. Because of this language, XXXX is showing that I have this account with a XXXX and XXXX days late payment and 96 % accounts paid as agreed instead of 100 %, as it should be. However, when going through the monthly payment history, there has never been a late payment. For a resolution, I would like the remark 'early termination/insurance loss ' removed from this account or I would like the account totally removed from my credit history from each major credit bureau, XXXX XXXX its false and negative impact its having on my XXXX credit scores. Thank you.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my deep dissatisfaction and frustration with the multiple unsuccessful attempts to address and remove fraudulent items from my account. My intention is to bring to your attention the gravity of the situation and request immediate action to rectify this matter. 

I first identified unauthorized and fraudulent transactions on my account. Since then, I have diligently reported these incidents through your designated channels and followed the prescribed procedures for resolution. Unfortunately, despite my repeated efforts, the fraudulent items have not been adequately addressed, and they continue to persist. 

I have made multiple to resolve this matter through your customer support hotline and online support portal. Each time, I have patiently provided the necessary information, documentation, and details regarding the fraudulent transactions. Regrettably, I have yet to witness any significant progress in resolving this issue, and the fraudulent items remain on my account. 

This situation has not only caused me significant financial distress but has also eroded my confidence in the security measures and customer support services provided by Credit Bureaus. As a loyal customer who has entrusted Credit Bureaus with personal and financial information, I expected a prompt and effective response to such critical matters. 

I kindly request an immediate and thorough investigation into this matter. I urge you to expedite the removal of the fraudulent items from my account, reimburse any unauthorized charges, and implement additional measures to prevent such incidents in the future. Furthermore, I would appreciate regular updates on the progress of the investigation and resolution. 

If this matter is not addressed promptly and satisfactorily, I may have no choice but to explore alternative courses of action, including filing a complaint with relevant consumer protection agencies and seeking legal advice. 

I trust that you understand the urgency of this matter and the importance of preserving the trust and confidence of your customers. I am asking for your assistance to remove these fraud items in my credit file : 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
Consumer complaint received 2024-02-05
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-05
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. (AZ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (CA)

XXXX is reporting a closed account the creditor is AFFIRM for the amount of {$100.00} since XX/XX/XXXX ' I reached out to the creditor throughout the year and they couldn't confirm the debt nor have me their system. Therefore I disputed this closed account with a XXXX advising them I reached out to them personally and they'e stating they couldn't locate me their system. How I have find it funny XXXX will always come back with their investigation with " Verified '' with no proof for me the consumer! 
I then took the initiative to do my investigation and found the XXXX party that the debt was sold to, by the name of XXXX! The debt has been paid in full as of XX/XX/year>. I then called AFFIRM to let know how poor of reporting to the credit bureaus and this debt has been paid in full and delete from my CREDIT REPORT ASAP. They said I needed to reach out to XXXX to remove it. I filed the a dispute XXXX XXXXXXXX last week detailed XXXX and as of today XXXX they state " REMAINS '' the company which AFFIRM states it '' XXXX accurate! How is that when I spoke with someone from AFFIRM notfifying them the debt was paid in full they confirmed it also by the XXXX XXXX XXXX on that same day! This is illegal and both parties XXXX and AFFIRM to do whats right for the consumer! I will attached my proof paid debt.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (CA)

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 includes the information requested by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 ( section 6 0 2 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 an account without written instructions under 15 uscs 1666b
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.