davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
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: Experian Information Solutions Inc. (IL)

this issue have been going on with all 3 bureaus for more than 2 months. I am constantly asking for a method of verification and the bureau always send me a letter saying a company has verified the information is correct. What company and what documentation have they supplied you with. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Also, Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. They send me this same message back for the 3 items I have been disputing but no verified documentation. There are 2 bankruptcies and a collection from XXXX XXXX which is not mine.

They are sending you all information saying an unauthorized party is requesting information which is not true. They are not addressing the issue with you all or with me. This is the message they are giving you all This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
I am my own person and I am the one who has been requesting the information. My next step is legal and the attorney general office.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

DURING COVID XXXX XXXX HAD DISASTER RELIEF ASSISTANT FOR ME AND I JUST FOUND OUT THE REPORTED I HAD 2 MONTH MISSED PAYMENT
Consumer complaint received 2023-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: COLUMBIA BANKING SYSTEM, INC. (CA)

In XXXX XXXX XXXX I worked with XXXX XXXX, a loan broker with XXXX XXXX XXXX for a commercial equipment loan for my business. He quoted me various loan terms via email and I accepted one of those written options, and requested the contract. The terms were {$33000.00} loan for 60 months@ 15.3 % interest and a monthly payment of {$790.00}. 

My loan was then placed with Financial Pacific Leasing in Washington ( they are a subsidiary of Umpqua Bank ). Payments were automatically drafted from my account monthly and I never received a statement from them. Today, I reached out to Financial Pacific Leasing to request a payoff amount since I've been paying for 16 months, and was prompted to create an online account, which showed my payoff was over {$33000.00}. I told the representative this must be a mistake, and she indicated my original loan amount was {$47000.00} because all of the 60 month 's worth of interest was required to be paid up front, meaning there would be no benefit to paying off the loan early. She also informed me there was no interest rate attached to my loan. This was not what I agreed to in writing with XXXX, and he essentially bait and switched my loan. 

I reached out to XXXX and he said I owe whatever Financial Pacific says I do, and he didn't think I would want to pay the loan off early so he didn't think to disclose that he was in fact financing {$47000.00} on my behalf ( rather than the {$33000.00} we discussed ). But he said this is all my fault for signing the contract without realizing some of the agreed terms had been left out. 

I feel like I've been a victim of predatory lending- I did not receive the loan terms that were quoted to me and the bank and the broker are blaming each other.
Consumer complaint received 2023-07-09
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

I contacted the school year of 2021 and the bank lenders explained to both my issue. The school I have contacted over the phone telling them its on a report stating the student loan money was not refunded back to the lender I did not earn my license. The school gave me the run around and says it's nothing they can do. Next step I contacted the lender over phone and explained the issue with my school and never receive my license and the money was suppose to be send back to the lender which was not, I asked what can be done I got the same response from the lender.
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

XX/XX/2021 - AmeriSave issued me a ( LE ) - '' Loan Estimate '' after gathering my information and pulling my credit scores. 

XX/XX/2021 - AmeriSave issued a ( CD ) - " Closing Disclosure '' to me that matches the LE However, on XXXX XXXX. AmeriSave send me another CD with an increase of {$1000.00} in loan fees showing as " points fee '' which was never disclosed on LE. 

I tried to contact the loan originator " XXXX XXXX XXXX " and AmeriSave sales Manager " XXXX XXXX '' and was not be able to get a valid reason why the point fees was suddenly added to my closing cost. 

XX/XX/2021 - Mr. " XXXX XXXX '' called me at XXXX EST to offer cover {$500.00} of what they have increased in loan fees and said that's the best they could do. 

There has no significant changes in circumstances on my side, I don't believe the loan fees should be increased just because later the lender decided want to make more money than they originally offered. 

There are many lending options out there and the only reason I made an important financial decision to refinance my property with AmeriSave and paid an appraisal fee of {$500.00} upfront was based on their best offer. I feel deceived when I found out that they decided not to honor their best offer or Loan Estimate after they gained my business. 

The way AmeriSave conduct their businesses and how they treating their customers completely destroyed my trust in this lender and also made me want to findout what's our rights in fair lending as a customer. Loan Estimate is supposedly for Good Faith and I wish AmeriSave could have more of good faith to their customers. 


LENDER AmeriSave Mortgage Corporation NMLS/GA LICENSE ID XXXX LOAN OFFICER XXXX XXXX XXXX NMLS/GA LICENSE ID XXXX XXXX XXXX Mortgage Sales Manager NMLS ID # XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to express my concerns about several issues Ive experienced with the credit bureau, including false account listings, multiple unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

I require assistance in resolving these matters to ensure my financial security. Please investigate my situation and advise me on the next steps.
Consumer complaint received 2023-07-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (IL)

I was approved for a loan of {$750.00}. I received an email about my loan and was told I would pay {$120.00} every payday. After my first payment of {$120.00} I was charged {$220.00} and have been paying {$220.00} every payday since then. If I wouldve known Id be paying that much each payday I wouldnt have agreed to the loan. Im paying close to {$460.00} a month and I cant afford to pay that.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

For 6 weeks now, with documented proof, Experian has been manipulating my credit score, showing the available credit from XXXX to XXXX back and forth repeatedly, dropping my credit score significantly, additionally they are mis representing my current credit score purposely in retaliation for me making complaints about incorrect information on my report, they continue to keep accounts on the report that have been proven as fraud, I had fraud protection with them when these accounts opened and they refuse to satisfy the contractual obligations in regards to the fraud, XXXX card, was opened via online portal using my information, I sent a police report and had fraud alert added on my file and they still attribute the account to me, they have no signature with my name and nothing proving the debt is mine XXXX. XXXX XXXX auto XXXX, I challenged this on my credit and my XXXX XXXX remained the same throughout the investigation, furthermore, I asked for the contract and received a copy of it with a signature that said " XXXX XXXX '' I have repeatedly denied this being my auto loan, as it belonged to an ex girlfriend, I did not sign a contract or agree to a contract yet it remains on my credit report. 
XXXX. XXXX credit card, I had I card that was secured which I paid XXXX dollars for to build credit, they lied and manipulated my credit score repeatedly, I paid the card off and never received my XXXX dollars back, I closed the account in XXXX and it still shows up on my credit report with late payments into XXXX, I brought the bureaus up to speed on this and they refused to make any changes, I challenge companies information and the records stayed on my credit report.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

SOMEONE WAS USING MY INFORMATION AS A COSIGNER AND LEFT ME WITH LOT OF HARD ENQUIRES I FOUND OUT WHEN THE BANK TRY TO VERIFY WITH ME ABOUT A MOGAGE TRY TO EXPLAN THAT TO TO TRANSUNION BUT IS ALWAYS A DEATH END XXXX JUMP ON IT QUICK AND RESOLVE IT SAME AS XXXX BUT TRANSUNION SEEMS TO NEGLECT MY CASE I TRY CALLING THERE FRUAD DEPARTMENT SEVERAL TIMES BUT NOTHING I REACH OUT TO THE CREDITORS THEY SAID THEY WILL FORWARD THE MATTER TO THE CREDIT BUREAU BUT NOTHING SEEMS TO HAPPEN.
Consumer complaint received 2023-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion will not accept my disputes. I have tried sending in letters, calling in, they say that the disputes were not submitted by me, which is ridiculous because I always submitted proof of my identity by sending a copy of my social and driver 's license, so how could it not be me? Please do a proper investigation into these accounts and delete them promptly, if they can not be verified.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (AR)

On XX/XX/2023, Discover closed my account without informing me of the reason or the fact that it was closed at all. Over a week later, the auto-generated email said they could not verify my identity. When I finally reached someone on the phone on XX/XX/2023, they informed me that I had done everything right in terms of verification, and had accidentally closed my account due to the fact that I ( an XXXX XXXX XXXX with very limited employment history ) had not filed taxes, even though I was not required to. They said they would reopen my account in a few days, but two weeks and several phone calls on my part later, all I know is that they said corporate is handling it with no end date in time. I have not received any communication from them via email since XXXX 2023. They have not called me. They refuse to update me on the status of my secured deposit refund or my account reopening. My credit score dropped XXXX points from their mistake and rendered me unable to do anything that requires decent credit history. I am missing {$300.00} that they told me would be refunded.
Consumer complaint received 2018-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXX XXXX notified me today when I paid my monthly car payment online, that starting next month I will be charged a {$3.00} XXXX XXXX XXXX XXXX Fee unless I enroll in AutoPay.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have been disputing with Experian for over a year now I have recently requested Experian to investigate accounts I believe that are inaccurate Experian has simply verified each account has accurate, I kept a copy and I will submit a copy to the cfpb, the very letter that I have submitted with various inaccurate accounts on them to be investigated. 

I am asking Experian to provide proof as to how they came up with each account being verified as accurate See documents in attachments below
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX Equifax and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received a paper correspondence on XX/XX/year>, and XX/XX/year> Their response was a " canned '' response that " XXXX has a reasonable belief that the dispute is submitted by,, is prepared on your behalf by, or is submitted on a form supplied to you by,, a credit repair organization '' which is false the letters were sent by myself, without a credit repair organization, and without any forms created by myself and on my behalf. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2024-10-18
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. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$520.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$1.00}
Consumer complaint received 2024-10-18
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. (AZ)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Equifax and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WV)

Vacation rental payment total of {$1500.00} through Cash APP from my bank account and {$500.00} through my credit card on XX/XX/2023. Vacation rental was a scam purtraying to be the rental owner. Reported as a scam and my bank denied a refund due to using Cash APP. Cash APP declined my refund request / dispute and advised contacting the party I paid. Contacted the scammer for a refund and they tried to get more money before giving my refund. I have reported to police, FBI.
Consumer complaint received 2023-08-22
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. (NY)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (IL)

I paid off my loan on XX/XX/2023 via a bank transfer with an online representative because the website was unable to process my payment. The full amount was withdrawn the next day. I immediately called in to the title area of the company to request that they mail the title as soon as possible because I had a pending sale. They notified me that it would take XXXX business days for the title to ship after XXXX days of processing. They also had incorrectly indicated my car was titled in XXXX when it was in fact titled in XXXX. I then proceeded to receive a letter XXXX days later that my auto-pay on my loan was canceled, and then on XX/XX/XXXX received a copy of my loan contract as paid in full, but still had not received my title. On XX/XX/XXXX I then called in to stress that I needed my title, that the appropriate amount of time to wait - as promised by Wells Fargo on XX/XX/XXXX - had passed and that my private sale of my car was at jeopardy if they did not get me my title. On the XX/XX/XXXX call, the representative let me know that they were confused why my title hadn't been released, and that they still had not released my title. I let them know that if they didn't release my title and get it to me by Friday, XX/XX/XXXX, that I would incur financial harm because I wouldn't be able to complete the private sale I had arranged ( during that time, my XXXX offer had declined more than {$700.00} in value, and my private buyer needed to purchase it on XX/XX/XXXX ). I notified the Wells Fargo representative that I'd like a call back to confirm that my title had been sent, that I needed it sent overnight, and that if the title wasn't received by the XXXX I would file a complaint with the CFPB because of the financial harm that would be done by me not being able to complete the private sale. I still have not received my title, and have missed my opportunity to complete my private sale, leading me to now need to try to find another private sale opportunity which is likely to be for much less than the one I had before. I was never late on a single payment, communicated the urgency of the need to receive my title up front, and have been on the phone with Wells Fargo XXXX times to try to get this resolved. They promised to call back and never called back, and have still not sent me my title to my own property.
Consumer complaint received 2023-09-07
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: Experian Information Solutions Inc. (NY)

I have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (FL)

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.