davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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. (GA)

I sent letters to Experian letting them know that they were reporting false information onn my credit report and they refused to delete the items in violation of the FCRA and in violation of requisite XXXX Compliant reporting standards. They are listing collection accounts as being open and also a Past due balance. 

According to the FCRA I have a right to a completly accurate credit report and are required to remove any information that is not true, verifiable and accurate. The following accounts are being illegally reported : XXXX : XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2023-05-17
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: Sentry Credit, Inc. (NY)

On XX/XX/2023 I contacted Sentry Credit in writing to discontinue reporting the fraudulent collection account to my credit report as you are in violation of FDCPA. On XX/XX/2023 I contacted XXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account. To date, Sentry Credit nor XXXX XXXX XXXX XXXX have responded to my request or discontinued reporting the associated fraudulent account to XXXX, XXXX, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX XXXX, Sentry Credit, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts and sent a copy to XXXX, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection accounts and any inaccurate information.
Consumer complaint received 2021-03-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I mailed a dispute to Experian on XX/XX/2021 and was expecting to have the results of my dispute mailed to me. Experian refuses to mail the results to me. They have sent me multiple emails stating that my investigation results are ready to be viewed " online ''. I want my results mailed to me because I mailed the dispute request to them.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KS)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2020-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

I got a loan from Speedy Cash, back in XXXX of XXXX. When I went to speedy cash all the tellers are behind a glass window. They explain the hypothetical amount you can get in an installment loan but not really how much an average, the interest or said payments would be. It goes by fast and they take longer verifying your information than they do explaining the numbers. For example, I was easily confused since the numbers were never written down for me until after I had signed the monitor, I didn't get that through the phone call they had me do, car title they had to register, that my interest would be 95 % equaling a little over XXXX + XXXX that would take 44 months to pay back in total. The Payments already being high, it's hard to pay extra. I managed to pay off my loan with another that had 70 % LESS interest. Even though I no longer owe them a dime, I would like to put a complaint, there should be set limits for loans such as these. I can't imagine how other people in an emergency like I had and perhaps being less stable trying to pay these off. It is outrageous. And should be looked into.
Consumer complaint received 2024-03-13
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. (NC)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

On XX/XX/2020 we the owners of mortgage # XXXX did a money-wire to be applied to the Principal Only. We make monthly mortgage payments directly to the NewRez bank and the the {$25000.00} dollars wire was in fact reflected days later on our statement. 

The problem is that on XX/XX/2020 and on XX/XX/2020 the NewRez bank was formally asked and reminded via email why our loan maturity date had NOT been adjusted. On both occasions, the bank has responded back with the same written excuse. They claim that our mortgage loan is managed by a group of investors in New York. NewRez only provides the address of the building but won't disclose who the investors are. 

Why should we as mortgage customers be contacting third-party unknown mortgage investors so they adjust our loan maturity date?. We make payments to, We do business with NewRez, so they should have THE legal and THE ethical obligation to adjust the maturity date on our home loan. 6 months have gone by since we made our {$25000.00} dollars wire and the NewRez bank has not shown any interest to be a liaison between we the customers and the so call " investors ''. In other words, the so call " investors '' are not been held accountable because NewRez is not accountable either.
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (CA)

I have over 100 inquiries on my credit report that I did not authorize. Those inquiries along with the fraud alert on my file is making it very hard to obtain a home for me and my children. I have reach out through mail and over the phone to have the inquiries removed and nothing has been done.
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (IN)

XXXX XXXX XXXX  robocalls me daily about medical debt in a city I dont live in ( XXXX ) 300 miles away, when I verifiably have no outstanding debts and good credit. Phone numbers they have used are XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. They actually tried this same scam years ago on the same kind of non-existent debt in the same city ( XXXX ). Ive had enough. They need to be punished severely for scamming XXXX knows how many people.
Consumer complaint received 2021-03-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (WI)

I have a owe amount in loanmax title loan. I reported my car was damage in XXXX and for that reasons I cant continue to do a payments. We tried to setup payments plans in the past and they are not agree with that they want the full amount of {$2000.00}. Monday, XXXX, XXXX XXXX I received text to inform me I can pay {$1800.00} to setup my account with the XXXX stimulus payment. Message say LoanMax : Let us help! Take advantage of XXXX XXXX deal now! Call XXXX XXXX XXXX XXXX pay only {$1800.00} to get your title back! 
They don't say how long can I have to deal this amount. But the XXXX XXXX is for this XXXX stimulus started this week. I was agree to pay that amount and more because is less and I am going to resolve this situation. But for my surprise when I was shopping thing for my baby they reposed a car XXXX XXXX XXXXXX/XX/XXXX without notification. I was XXXX XXXX XXXX, with a XXXX XXXX in my hands and with all items of my baby in the car ( XXXX XXXX ). Now they said I cant receive my items until after 4 days, I have items in the car was cost money also my breast feed pump for my baby and all her clothing. I was in XXXX, I from XXXX XXXX without a car and in the street. Just they took advantage with all of this situation they offer me settle the account for {$1800.00} and no past XXXX hours they reposed a car. They said they send a letter on XX/XX/XXXX and I never received that letters. I contact XX/XX/XXXX to corporate office and they said they have XXXX different letters on the mail with XXXX different amount but I did not received nothing until now. They lied and took advantage to me because they don't give me a chance to deal with the XXXX stimulus payment. About XXXX year ago when I lost everything and start my XXXX I said to them you can come to pick up a car and they said is not like that you need to pay a money we don't want your car back. They discriminated me because they don't believe they left without transportation XXXX hours from my house, without my baby items and with a XXXX XXXX and a XXXX XXXX on XXXX XXXX. Just I am agree to pay what they offered {$1800.00} and they give me my car back. I never received a letter from them and I dont sign any certificate letter to reposed a car.
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

My mortgage company, PHH Mortgage Services, XXXX XXXX  XXXX, XXXX XXXX. N.J. XXXX, will not give me a payoff statement or provide me with a payoff amount without me paying a fee. This is just the latest of fees they want from me for any information on my loan account. In the past, for example, I had to pay a fee in order to make a large payment to bring down the debt. 

These fees make it harder for me to make payments. I am asking them to provide me with a payoff statement or amount, but they want to charge me fees. I don't think it is legal, and it certainly is not fair.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have sent 3 Direct certified letters to LVNV in no reponse back as to when or how this is my bill. I have contacted all 3 credit agencies over the last year only one removed from report. It is inaccurate until they can show me how this is mine. I still have received nothing except a signature of someone recing letter nothing in reponse sent back to me where this is mine. PLEASE help me get this taken care of I dont know what else to do besides pay for something that does not belong to me.Creditor Information LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XX/XX/XXXXXXXX XXXX, SC XXXX
Consumer complaint received 2021-03-17
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)

I submitted an identity theft report XX/XX/21. The FCRA requires a block of information resulting from identity theft. Block and delete all information in the attached documents. I'm authorizing you to take action on this account immediately.
Consumer complaint received 2018-11-07
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: SYNCHRONY FINANCIAL (MI)

My name is XXXX XXXX and upon checking my credit report it shows XXXX XXXX  on my XXXX  report 20 times as credit inquiries.. the problem is this I have a few accounts with XXXX XXXX   however these inquires that I see I did not authorize and I would like for XXXX to remove these items from my credit file. 
XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (WI)

On XX/XX/202, all of a sudden without any notification and commnucation, Amex closed 9 of my accounts and took away all my Membership Rewards points that worth over {$3000.00}. I was informed that a few past interactions was not very professional with customer support representatives. 

Right after I notched 9 of my accounts were closed my Amex yesterday, I immediately follow up the procedure to communicate and get help from the corporate office. 

I was decently polite and professional with an executive member over the phone to talk through the situation of the frustration I had with customer support representatives in the past. I truly want Amex to take a second look at the situation again and give each other a second chance moving forward. 

After talking to the an executive member, she told me she couldn't help to reopen my accounts. I tried talking to Amex Financial Review department to see if I could any help from them. However, I was by a Financial Review representative that she doesn't have the authority to do anything, besides documenting what we have talked in the conversation, which she did agree that I am a very respectful and fair customer. She suggested to keep calling the executive team again and have them take a look at her notes and listen to the recored phone conversation with her to have a second chance to reopen my account.
Consumer complaint received 2020-03-13
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: EQUIFAX, INC. (NY)

I am requesting that the item be removed or updated to reflect the correct the information. 
Enclosed are copies of documentation, supporting my position. Please reinvestigate this matter and delete or correct the disputed items as soon as possible. 

Your Company has refused to properly investigate these accounts by saying these inquirys are actual fact, when they are NOT. 

The following credit inquiries are related to none of the fore mentioned permissible purposes : The following inquiry needs to be removed immediately : XXXX XXXX/XXXX Inquiry from : XX/XX/XXXX XXXX XXXX Inquiry from : XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information. 

I am requesting that this item be deleted or adjusted in order adequately reflect my true credit history. 

I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my credit report. 
I sent also sent this letter via certified mail to ensure this matter is resolved within the required 10-day window.
Consumer complaint received 2024-02-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

We were granted an extension with Toyota and Lexus Financial in XX/XX/XXXX, extending our payment deadline until XX/XX/XXXX. Despite clear communication with a representative, affirming that the extension was secured prior to any potential late payments, we are now facing discrepancies. Our credit scores, XXXX and XXXX respectively, highlight our responsible financial management. However, recent experiences have left us questioning the professionalism of the service provided.Last 4 account numbers of all cars approved.XXXX, XXXX, XXXX, XXXX. 

Additionally, while the website allows for payment at any time, we have encountered issues making payments at XXXX XXXX. Moreover, our request to change the payment date for all five of our vehicles to the XXXX was initially approved verbally, yet one vehicle, the XXXX, still reflects the original due date of the XXXX. Despite multiple follow-ups over three months, we have yet to receive the necessary form for this adjustment. 

This recurring need for communication, coupled with discrepancies in payment processing and date changes, is not only frustrating but also reflects poorly on Lexus Financial. Our commitment to timely payments has been undermined by these administrative shortcomings. Furthermore, the recent sudden inclusion of the XXXX in auto-pay, without our consent, raises concerns about the handling of our account. 

We implore Lexus Financial to address these issues promptly to prevent any further damage to our credit and restore our confidence in their services..
Consumer complaint received 2023-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/ PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT ASAP, THESE INQUIRIES WERE NOT AUTHORIZED
Consumer complaint received 2022-12-31
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-17
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  / ACCOUNT NUMBER XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

To Whom it May concern : I have sent multiple rounds of letters to your company requesting that your company please verify the accounts that are being reported on my credit report as delinquent. The first letter was sent out via certified mail XX/XX/2020 and was received XX/XX/2020. Your company has failed to provide me with any signed documentation with my signature, only a summary of a debt that your company claims that I owe.
Consumer complaint received 2021-03-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (FL)

I recently received letter dated XX/XX/2021 from MRS BPO LLC in an illegal attempt to collect an alleged debt in the amount of {$22000.00} that I do not owe. In response I have submitted a dispute letter dated XX/XX/2021 with clear instructions to cease and desist all collection activity, including all reporting to consumer reporting agencies. Also, to promptly request deletion of any and all prior reporting made to any consumer reporting agencies.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (MD)

Hi there, I recently was issued a refund of {$250.00} to a debit card that isnt active anymore due to the account being closed. I called the PNC Bank and they would not tell me if the money was sent to them. They also kept saying that when the money is refunded to a closed account they would send it back to the issuer. They never sent it back to the issuer. I contacted the issuer and they confirmed that it was sent to the inactive debit card. The bank will not help me at this point and is giving me the run around about where my money had gone.
Consumer complaint received 2021-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc (MO)

I use chime, and when my taxes or stimulus comes in I have to send them a copy of my tax form and photo is to verify Im the rightful owner. This usually takes a day but am told up to 48 hours. Saturday at XXXX ct they emailed me asking for the documents and I responded an hour later providing the documents. Its now Wednesday afternoon and after emails and calls no one will answer me or give a status update.