davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Voss & Klein, LLC (FL)

Voss & Klein XXXX XXXX XXXX XXXX, XXXX XXXX, FL sent me a letter attempting to collect payment for a bill from XXXX XXXX which I do not owe. The former management of my XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, sent XXXX XXXX to my condo to repair a major water leak. It was determined that the leak originated in the unit above mine and that the pipe through which the water was flowing was the responsibility of the HOA to repair. Voss & Klein claims I did not pay for the repair, however, I did NOT receive a bill, the invoice was sent directly to XXXX XXXX. I actually called XXXX XXXX because I needed a copy of the report on the invoice in order to put in a claim for damage to the floors in my home and I was denied. XXXX XXXX told me to get a copy of the invoice as they were responsible for bill payment and the client of XXXX XXXX. I submitted the invoice billed to XXXX XXXX : invoice # XXXX in the amount of {$480.00} dated XX/XX/22 to Voss & Klein as proof that I did not owe anything. In spite of my attempt to get this resolved Voss & Klein sent me another threatening letter claiming I owe {$690.00}.
Consumer complaint received 2023-10-27
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. (TX)

On XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX appeared on my XXXX credit report. 

XXXX XXXX account shouldn't be on my XXXX credit report. 

XXXX XXXX XXXX account shouldn't be on my XXXX credit report. 

XXXX XXXX XXXX  XXXX account shouldn't be on my XXXX credit report.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (PA)

I closed my XXXX XXXX account on XX/XX/2023. My Early Warning report shows incorrect information for items that were returned. The amounts that were returned were trial deposits from an external bank. There are other inaccuracies as well
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (NY)

My information was sold and bought illegally because I was a victim of XXXX XXXX XXXX data breach. I never gave permission for my data to be shared, I have struggling for years due to another data breach from Equifax in XXXX  that is still affecting me today and now I receive this letter.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

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. ( ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMGES OF NOT LESS THAN {$100.00} AND NIT MORE THAN {$1000.00} )
Consumer complaint received 2024-05-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (CA)

Lendmark Financial Services in XXXX California. 

Early on, I was misled in regards to the interest of the loan, total payments and how long it would be until paid off. I had to call and ask the manager why one of his loan officers ran my credit without my consent. This took several months to come off of my credit report. The branch manager and their loan officers have been dishonest and how the loans work, disrespectful and keep feeding me nonsense.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

Hello, My loan servicer, NewRez, started charging me an extra {$200.00} per month for the mortgage payment for home insurance. Therefore I got my own insurance and provided documentation to NewRez, which they accepted. NewRez stopped their own insurance at the end of XX/XX/ 2024. 

However, I am continuing to get billed for the {$200.00} per month for my XXXX bill and onwards as they have not adjusted the escrow balances to reflect their own insurance going away. I spoke to multiple customer service reps over the phone but they still have not adjusted it after a month. 

I've also put in a written request for the charges to be stopped on the NewRez customer help website but have not received a response. 

I fear that NewRez has no intention to stop billing me unless stopped by a regulatory agency such as the CFPB. I would sincerely appreciate any help here.
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Attn XXXX : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information CAPITAL ONE it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am herby requesting all above disclosures required by Federal.
Consumer complaint received 2022-11-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items : 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 2024-04-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

The lady from their attorney office that I spoke to said that when they received my account my balance was only {$8700.00} somewhere around there. Now its above the original amount of the loan of {$12000.00} ( estimate ) because they are trying to slap me with an 13 % interest rate. She agreed that the interest rate is high. That amount that she said of {$8000.00} thats how much it was when we went to court, and since then they received payments from an old job I used to have, and this past year for taxes XXXX  they received {$1400.00}. The settlement amount before was {$1800.00} now its {$2500.00} ( estimate ). If I wasnt listening to these people I was working with for the past two years trying to get a home, advising me to pay off other accounts in return of me and my family getting a home I could had been settled this account. But I got screwed over and now here we are, with this ridiculous interest rate thats basically going to eat up every payment made, and not even touching my balance.
Consumer complaint received 2024-04-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IL)

THE CAR WAS REPOED IN 2021, THE CAR WAS SOLD AND EVERY MONTH, THEY KEEP REPORTING A DIFFERENT BALANCE AND LATE I WAS A COSIGNER ALSO ON ANOTHER ACCOUNT WHICH MY DAUGHTER VOLUNTARILLY SURRENDERED THAT CAR ACCT # XXXX I AM SEEKING REMOVAL FROM MY CREDIT ACCOUNTS FROM ALL CREDIT REPORTING AGENCIES
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I wasnt really in the habit of checking my credit report around the time this collection reported so I was already past my 30 days for validations. Ive reached out to this company for original paperwork and proof a signature from the credit card and it hasnt been sent to me. Therefore this company is illegally reporting false information on my credit report.
Consumer complaint received 2024-04-17
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 hope this message finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the 9th formal attempt to address this matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, adversely affecting my creditworthiness and financial standing. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX  Opened XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX EQUIFAX MORTGAGE XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX.
Consumer complaint received 2018-12-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have paid my auto insurance for nine months on time, never a late payment. I have gone from $ XXXX to $ XXXX. On XX/XX/2018, I got into a minor accident because I was told to reverse on a one way road by a XXXX airport employee refused to pop the gate. Anyway, my driver sideview mirror was damaged. I filed a claim through USAA auto insurance since i have my automobile policy through them. They told me to get an estimate from XXXX XXXX and then submit it online and via email. They said i would be issued an electronic payment minus my {$500.00} deductible. 

On XX/XX/2018, at XXXX XXXX, I emailed a copy of the estimate for {$970.00} to XXXX and to XXXX. I also took a picture and uploaded the estimate to the USAA Claims Center portal. I never heard anything back about the status for a couple days. So, on XX/XX/2018, i sent a message via the USAA Claims portal about the status. I was told by XXXX XXXX that on XX/XX/2018 at XXXX CST that my estimate was received and was sent for review. No messages or phone calls or emails after that. On XX/XX/2018, at XXXX CST, I received a portal message stating that a payment of {$390.00} was issued. After doing the math, I noticed there was an {$80.00} decrease in their payment to me, which would result in me not paying {$500.00} for my deductible but {$570.00}. 

I contacted USAA and the first rep, XXXX, was very unaware and didnt have the proper knowledge to assist. I demanded a supervisor. After being on hold for a few minutes XXXX, the Claims supervisor, takes the call. XXXX tells me that XXXX XXXX contacted the dealership on their behalf WITHOUT contacting me first to negotiate a deal on parts and labor. XXXX XXXX DOES NOT negotiate on parts and labor. So, the service tech who was responsible for my estimate, XXXX XXXX, said that the claims rep contacted her and pretty much made her order used parts instead of a new part. The estimate is for a new part, not used. XXXX stated the price of the estimate did not change because USAA prefers a used part. The costs remain the same throughout, which means I have been cheated by USAA.
Consumer complaint received 2023-05-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I was a victim of the Equifax Data Breach, I want these items deleted from my Credit Report, I requested and disputed from XXXX an XXXX regarding inaccurate information and closed accounts with derogatory information that doesnt t belong to me. Because I have been victimized and my identity compromised not only through the Equifax Breach but through XXXX XXXX XXXX also with my personal information such as my Name, and Social Security Number, please assist me in getting the information corrected.
Consumer complaint received 2024-04-17
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-06
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. (CA)

My information was sold and bought illegally because I was a victim of Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports Equifax, XXXX and XXXX. 

XXXX XXXX Account Number : XXXX Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (GA)

I have reached out to Mohela on at least 4 occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I also reached out to StudentAId.gov ( XX/XX/XXXX ). Mohela responded each time with the same message that was just generic. 

This is the message : Thank you for contacting MOHELA, We apologize for any confusion and inconvenience that may have been caused. 

Please be advised, You must include the Borrowers signature and the date. This resulted in the denial of your forms. To ensure your application is correctly processed, please complete and submit another PSLF Form with the necessary corrections. Please be advised, the best way to complete a Public Service Loan Forgiveness ( PSLF ) form, and to check if your employer qualifies, is to access the PSLF Help Tool. The PSLF Help Tool may be accessed at studentaid.gov/pslf. 

We will continue to process your manually submitted PSLF form using the date an authorized official from your employer signed your PSLF form. To receive benefits of the limited PSLF waiver, the employers signature and date on your PSLF form must be on or before XXXX XXXX, XXXX, even if you submitted your form at a later date. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX., Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX., Thursday and Friday XXXX XXXX XXXX XXXX XXXX. CT. 

Thank you, MOHELA StudentAid.gov has not responded. 

This is my concern : I have missing time lapses on my student loan payment history when I was working full-time for an approved employer. Please explain the following time gaps where there are no eligible or ineligible payments reported. I would like to be credited for these missed reporting periods. Please investigate and let me know the outcome. 

Periods where there is no history reported meaning I don't know if the payments were eligible or ineligible because they are not reported. I would like to have my account credited for these missing time periods as I was XXXX XXXX XXXX XXXX XXXX  and should receive credit for these periods of employment. 

XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-17
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 am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. 

I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

bank of America charged my bank account {$2400.00} two times instead of only one payment that I owed, coursing my bank account go into overdraft, bouncing checks, and pilling fees from my local bank account where the BOA has access to my bank $ . 

credit card # XXXX when I called BOA to complaint about the double charge, the agent tried hard to fool me by saying that the bank had only charged once and that I needed to check with my bank, so I called again and asked for administration and the agent this time acknowledged the double charge and said that the bank will refund the mistaken charge of {$2400.00}, however it will take 10 days or longer, so I told him that i am a XXXX XXXX on SS and don't have lots of $ , could you please refund the {$2400.00} back into my account immediately today or by tomorrow, and he repeated minimum 10 days or lounger, I closed my account and CC with BOA and believe that the bank knowingly double charged my bank account and had I not noticed they would have stay quiet. Im asking you to also make them pay several XXXX $ $ for all that they costed me through charges and fees.