davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-21
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'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 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 2023-08-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (NV)

My charged off vehicle was repossessed after making my payment 7days late due to financial hardship. Though I was given a written agreement of a monthly payment of {$400.00} on the 15th with no grace period for late payments I was told by a Bridgecrest rep by phone that I can still redeem my vehicle if I make my monthly payment and pay the repo fee of {$350.00}. 

Bridgecrest accepted my Monthly XXXX payment totaling of {$490.00} on XX/XX/23. 
I called back after borrowing money to pay the repo fee but the company was closed over the weekend so I had to wait til Monday to pay the repo fee. 

When I called to pay the repo fee and redeem my vehicle I was told by a bridgecrest representative that I had to now pay {$560.00} because I now have a bi-weekly payment and it was due on the XXXX of XXXX. I was not informed of these changes made, When I asked was I on bi-weekly now after they took my monthly payment and the written agreement was monthly, I was told because I defaulted by paying late, they changed it back to bi-weekly payments. 

the company has violated the contract agreement and given false information because even on my original contract agreement before charge off the bi-weekly payments dates are not set for the XXXX. The company has made It financially difficult to get my vehicle back by charging twice ( a set monthly payment {$400.00} ) ( and a bi-weekly payment ) both for the month of XXXX in order to get my vehicle back. 

I was not notified of these changes the company has violated XXXX code by giving False, deceptive, or misleading representations or means. 

I was told by another bridgecrest representative that the monthly agreement was of no effect after the fifteen but yet they took my monthly payment for XXXX and charged me bi-weekly payments on top of that for the month of XXXX plus additional fees in just XXXX weeks of repoing my vehicle totaling in the amount of {$1200.00}. 

the company has put my car up for auction without giving me any written notice, I updated my address months ago by phone and even confirmed again my information and the company has not sent me any notices but lied and said they sent out notices on XX/XX/XXXX that the vehicle was sent to auction. 

When I called by phone to make my payment on the XXXX I was told by phone my vehicle was not in auction nor was there a key made and I was given a quote of {$350.00} after paying my monthly cost of {$490.00} to get the vehicle back. 

This company has financially oppressed me and robbed me and auctioning off my vehicle even after receiving my monthly payment for the month of XXXX, I was told I still owe a debt and have to pay regardless or I can't get my vehicle back.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (KS)

I  XXXX   XXXX  am writing this request due to incorrect reporting on my credit file.     I went into  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   ). On  XXXX ,  XXXX  because  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since  XXXX  I have not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all three credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull on  XXXX / XXXX / XXXX  and in  XXXX / XXXX / XXXX  were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on  XXXX / XXXX / XXXX . There was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX   office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX   Attacked  me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX   Inquiry be removed My  my credit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The inquiry was submitted on  XXXX   XXXX  and on  XXXX   XXXX ,  XXXX  without authorization or consent.     2.   XXXX   XXXX   XXXX   3  XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . Both without authorization or consent.      XXXX .  XXXX   XXXX  Services  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . Both without authorization or consent.     4.   XXXX   XXXX   XXXX  nce  XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  Without authorization or consent.      5.    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX . Both without authorization or consent.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Aligned Company DBA Extra (TX)

on XX/XX/XXXX someone opened a account with XXXX XXXX in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX XXXX in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX XXXX XXXX " car loan '' in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX ( XXXX ) Car loan in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XXXX XXXX XXXX someone opened a account with XXXX XXXX XXXX XXXX XXXX loan in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on date im not sure of the date someone opened a account with XXXX ( credit card ) in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IA)

First, I would like to say I pay my bills and on time. 

Discover credit card did not credit my account when items were returned to the store XXXX. Discover lead me to believe they were investigating the dispute when the real truth was when the items were returned to XXXX, XXXX issued the credit back to my account but in return Discover reversed it back when I got my statement and saw that it was for a few cents more favor being on XXXX when I finally found out the real truth that Discover had been lying to me all this time racking up late fees on my account when my account was paid in full. When I found out the real truth I filed a lawsuit against Discover and they closed both my cards. When I filed the lawsuit against Discover I also in returned filed against the other two creditors because they too had a XXXX balance and it was their responsibility to have corrected their mistake and did not. 

After Discover did this to my accounts I had creditors that I had been with for years to close my accounts So with all the damages that Discover did to me it has brought my credit score way down not to mention all the time and money to get this corrected. The lawyer stated he could not believe Discover did this. Now I will have to file in federal court against Discover but now Discover dismissed it to a third party but still showing on my credit report as being unpaid.

credit score. When Discover found out I had filed the lawsuit against them they closed both of my accounts however before closing the one that should have had a XXXX balance they kept showing an unpaid balance and in return I believe made two other creditors follow suit in Discovers wrong doings. 

XXXX XXXX  account was paid in full and they too kept showing late fees and this was Comunity banks wrong doing when I paid my account in full their own employee took one number incorrectly from my bank account which in return showed my account not paid but it was their late fees which did this.

One of the three creditors I filed against in court paid me before going to court and we both came to terms and settled. The other two Discover and the XXXX creditor closed accounts but still showing unpaid on my credit report. 

This information was also sent to all three credit reporting agencies along with all supporting documents to show what was done. 

I will have to sue them in federal courts not sure when I will have the time to file. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (NV)

Rocket mortgage did my refinance from an FHA into a conventional loan. However when they did the refi they failed to complete my insurance. I was with XXXX XXXX and because they were mailing to my physical address where I don't get mail because my town is very small we don't have mail delivery trucks. So with no phone call or an email they decided to cancel my insurance. In the scramble they wrote XXXX policies and I refunded them their money when I canceled XXXX of the policies and kept the other. Somehow my payment went from XXXX to XXXX. My original mortgage payment was {$560.00} I would not have agreed to that. I want the original payment of XXXX because it was their XXXX up not finalizing my insurance and telling them about the address issue because I can't get physical mail at this address it has to go to my XXXX XXXX XXXX Not to mention I have a email and a phone that no one bothered to use. So now my mortgage payment is so high it eats up my entire social security check. I'm very humble person and don't want anything other than what I'm owed and that is my insurance to be fulfilled the way it should have been and have my payment back at XXXX. And whatever they have to do to get there is all I'm asking for.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc (ID)

I asked Affirm credit card company several times to close my account. It has been paid and has a XXXX balance. They refuse. I asked for a supervisor that could help. I was always told I was being transfered and left on eternal hold or hung up on. I requested the corporate phone number and again they refused and just repeated the same things over again. 

Now they send me ads to try and get me to make purchases and get back into debt. If I want my account closed I should be able to have that done. They have been rude, unreasonable and fraudulant.
Consumer complaint received 2023-08-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

XXXX has been paid for my XXXX card balance. I have mailed a check per their request and they have cashed it on XX/XX/23. They refuse to update the account to the creditors and still reflect this balance. I have called them over 20 times. No one answers because their automated system will only recognize open accounts. Their chat agents refuse to help. Routing me to the same numbers. This has been preventing me from buying my first home.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX Account # XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a check for {$50.00} drawn on a Bank of America account. I went into the XXXX XXXX XXXXXXXX of Bank of America and was charged an {$8.00} fee. 

Under the UCC Section 3-109 checks presented by the bearer are payable on demand. No fee is provided for in the UCC. Bank of America was in effect wrongfully dishonoring the check of its customer. 

Under California law, California Business & Professions Code 17200, the fee is an unfair and deceptive trade practice. 

Under the Federal Trade Commission 's new regulations, this is an illegal junk fee. Further, this fee exacerbates inequality in America, is unethical, immoral and illegal.

In addition, this is an antitrust law violation because it attempts to monopolize the banking industry to get customers to open an account through pressure tactics.
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2023 I was served papers from XXXXXXXX XXXX XXXX XXXX regarding a lawsuit in the county I live in. I contacted them and began making payments and have continued to make payments. I have requested multiple times information about the lawsuit and received nothing. In XXXX i received a letter from a Resurgent Capital Services about the account I am being sued for and I have reached out to them multiple times for information but have gotten nothing since XXXX of this year. I have continued to send payments to XXXXXXXX XXXX XXXX XXXX XXXX XXXX but not received anything from them either and I have tried multiple times to contact their office via phone but no one ever answers even if I try different options on their phone system that doesn't pertain to me. 

My questions are : Am I still getting sued? Am I sending payments to someone falsely representing my debt?
Consumer complaint received 2023-11-21
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. (IN)

I am writing this letter to formally dispute the accuracy and completeness of credit information being reported by your agency. Under the provisions of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Reporting Guidelines, I request that you conduct a thorough investigation and verification of the account details in question. 

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates that credit reporting agencies must physically verify the original signed consumer contract for every account they include in a credit report. This verification process is crucial to ensure the authenticity and legitimacy of the information you disclose. By failing to adhere to this requirement, your reporting services could be susceptible to fraudulent accounts, negatively impacting consumers like myself. 

I hereby demand to receive verifiable proof, such as an original consumer contract bearing my signature, for the account listed below : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX As per the FCRA, unverifiable accounts must be promptly removed from my credit report. In the absence of providing documented proof within the stipulated timeframe, you are obligated to delete the aforementioned account from my credit file. 

Moreover, I also request the removal of all non-account holding inquiries that are older than 30 days. Additionally, please add a promotional suppression to my credit file, as per the relevant consumer laws. 

I am well aware that the FCRA mandates a thirty ( 30 ) day period for your re-investigation of this dispute. Within fifteen ( 15 ) days of the conclusion of your re-investigation, I expect a description of the process utilized to assess the accuracy and completeness of the material in question. 

I emphasize that my rights under the FCRA and other consumer protection laws must be upheld, and I trust that your agency will act in compliance with these regulations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (FL)

This account does not belong to me, it has already been removed from my report previously, and the company continues to report this account to me, I have been a victim of identity theft. Please remove this account from my report, since it seriously affects me and is not mine
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (OR)

My current lender took over my mortgage loan XX/XX/XXXX and their telling me I have a $ XXXX shortage in my escrow account. My monthly payment increased {$150.00} on my XX/XX/XXXX statement. On my XXXX payment it increased {$34.00} The payment increase ( I'm being told ) was from my prior lender 's annual review. My current lender is telling me I am short the 2 months reserves that are required to be in my escrow account. My original mortgage payment is {$1800.00}. 

I offered to make a {$1000.00} payment today and the remaining balance next month, I asked if that would lower my monthly payment back to it's original amount. they told me NO, they will not accept partial payments. I had to pay the whole amount for my mortgage shortage for my payment to be adjusted. 

They said I could make the XXXX partial payments to my current escrow account and that my mortgage payment would adjust XX/XX/XXXX after they did an annual review. But if I pay the whole amount today my payment would adjust on my XXXX stmt.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

This notice serves to alert you that you are improperly reporting an unauthorized inquiry on my consumer report. I have not authorized you to access my credit profile, and there is no legal basis for you to contact third parties and obtain my private information.
Consumer complaint received 2023-04-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (OH)

Freedom Mortage Corp XXXX ( Financial ) Mortage opened XX/XX/XXXX paid off in full XX/XX/XXXX. Showing open with late payments as late as XX/XX/XXXX This mortage was paid off in full, and I have the closing documents too prove it. It being open and showing late payment is keeping me from buying a house currently.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (GA)

There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Company Consumer Portfolio Servi Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX