davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (SC)

I submitted a complaint # XXXX on XX/XX/XXXX ; Ref : Guild Mortgage - the complaint was on a Conventional loan not a VA loan. They sent you incorrect information - the information you received was a VA loan when I purchased my home on XX/XX/XXXX. I purchased a second home in the same year in the same neighborhood ; I had to write a statement on why I was purchasing a home in the same neighborhood in the same year ; I was told that there was a special program for my XXXX XXXX Son ; but later I found out that there was no special program with a lower interest rate ; the statement should be apart of the loan documentation for as I know. My complaint is the Conventional loan on XX/XX/XXXX. I am also having a problem cancelling my PMI ; I have written Guild Mortgage several times trying to cancel the PMI on this conventional loan. 
I have submitted documentation to Guild Mortgage to cancel my PMI on this property and I am going back and forth ; I paid for a MPO ; I sent the {$150.00} for the brokerage appraisal ; it was appraised at {$86000.00} ; there is no house in this neighborhood appraised at this low price, all the home are {$98000.00} plus. I did not agree so I was told that I needed to send 3-5 homes that was sold in the last year of the MPO. I wrote back and now I'm in the process of sending Guild Mortgage 5 houses that have sold in the last year ; I will upload this information as soon as I gather the market analysis to send back to Guild Mortgage. This has been very stressful and I am tried, I am a XXXX  Veteran and I am not always able to write letters back and forth ; but I tried to answer as soon as I am physically able. Thank You!
Consumer complaint received 2020-03-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I sent both XXXX  & Experian dispute challenge letters back in XX/XX/2020. Challenging the following account : XXXX XXXX XXXX : This account still remains on my consumer credit report even though I have clearly identified multiple inaccuracies and violations to both XXXX  and Experian of which is my right under the fair credit reporting act. 

As of today XX/XX/2020 XXXX  XXXX XXXX still remains on my credit report unchanged. 

: Still reporting inaccurate last date of activity a violation. 

: Reports account as update in XX/XX/2020 but still reports multiple inaccuracies a violation of FCRA rules. 

: Reports inaccurate balance or credit limit a violation. 

: Reporting continuous negative remarks after Account has been closed or charged-off. A violation.
Consumer complaint received 2020-04-10
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: TRANSWORLD SYSTEMS INC (KS)

I have contacted Transworld Sys INC on several different occasions. The latest contact was on XX/XX/20 @ XXXX. I spoke wXXXX Employee # XXXX. I explained to the representative that I had no knowledge of the account in question. The representative gave me account details. She said the account was from XXXX XXXX XXXX. Located in XXXX XXXX, Ks. She did not give me a date but she said the address they had on file was a 7yr old P.O Box that I no longer have. I explained to the representative that when I went into the XXXX. I had given the check in my current DL, my insurance card and the information I had filled out had all my CORRECT contact information. I explained that somebody had dropped the ball and failed to ENTER the CORRECT information. But instead took the precious information from an older visit. I explained to Transworld that they also had the opportunity to contact me and failed to. XXXX emp # XXXX said that she had the same address on file. I explained to XXXX ( Transworld ), that they must have received return mail because it is a PO Box . Considering I do not have a Box at the post office. The mail would definitely be returned. I advised XXXX, that I wanted this collection removed from my credit report. They are reporting it twice a month. Once as collection. Once as updated debt. If I would have been notified or the hospital would have took the diligence into doing thier jobs correctly. This bill would have been paid by insurance company.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX I received a settlement offer from XXXX for Loan # XXXX to settle the account as paid in full for {$210.00}. They advised they would reduce the principal loan balance by 30 % and wave the remaining balance fees and interest. The offer had an expiration date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a payment for {$210.00} and received a confirmation that the payment had been received. When I login to my account the loan status reflects that the loan has been 100 % paid off as of XX/XX/XXXX. 

My credit report with XXXX and Transunion reflect that I still have a balance pending of {$93.00}. I submitted a dispute and they came back saying the balance pending is {$110.00}. XXXX continues to reports this incorrect information on top of that saying my payments are past due and reporting a late payment every single month which is destroying my credit. I reached out to XXXX directly on XX/XX/XXXX and they refuse to remove and fix the issue. I submitted the documentation such as settlement offer and proof that the loan has been paid. I also submitted bank statement showing the payment cleared and even a screenshot of my XXXX account showing it's been paid off 100 % I emailed back and forth with at least 4 people and they all refused to fix it. XXXX also refused to fix it even when I submitted documentation proving it had been paid off.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (AZ)

On XX/XX/XXXX I received a settlement offer from Moneylion for Loan # XXXX to settle the account as paid in full for {$210.00}. They advised they would reduce the principal loan balance by 30 % and wave the remaining balance fees and interest. The offer had an expiration date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a payment for {$210.00} and received a confirmation that the payment had been received. When I login to my account the loan status reflects that the loan has been 100 % paid off as of XX/XX/XXXX. 

My credit report with XXXX  and XXXX  reflect that I still have a balance pending of {$93.00}. I submitted a dispute and they came back saying the balance pending is {$110.00}. Moneylion continues to reports this incorrect information on top of that saying my payments are past due and reporting a late payment every single month which is destroying my credit. I reached out to Moneylion directly on XX/XX/XXXX and they refuse to remove and fix the issue. I submitted the documentation such as settlement offer and proof that the loan has been paid. I also submitted bank statement showing the payment cleared and even a screenshot of my Moneylion account showing it's been paid off 100 % I emailed back and forth with at least 4 people and they all refused to fix it. XXXX  also refused to fix it even when I submitted documentation proving it had been paid off.
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Account number : XXXX Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains late payments reported on XXXX to XX/XX/XXXX for my XXXX I want you to know that I understand my financial obligations, and if it werent for XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have been making my payment on time. Since then, Ive had a spotless record of on-time payments. 
It has come to my attention that the missed payment on my record could hurt my ability to qualify for new accounts. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the any late payments on this account. 
Please send an update to XXXX, XXXX and XXXX to remove the late payments on this account. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2020-04-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (NV)

I AM A SENIOR CITIZEN IN XXXX XXXX, NV, WHO IS XXXX   AND SEMI RETIRED. FCI LENDER SERVICES TOLD ME ON XX/XX/XXXX THEY WOULD NOT ALLOW ANY OF MY PAYMENTS TO BE DEFERRED IN ACCORDANCE WITH THE " CARES ACT ''. A REPRESENTATIVE FROM FCI CALLED ME ON XX/XX/XXXX IN REGARDS TO MY INQUIRY ABOUT DEFERRING MY PAYMENTS FOR AT LEAST 90 DAYS DUE TO COVID 19, AND THE FACT XXXX XXXX IS SHUT DOWN. I WAS TOLD THEY HAVE NO PLANS TO COOPERATE WITH COVID 19 CONSUMERS AND THAT I MUST MAKE MY PAYMENTS OR SUFFER A POSSIBLE FORECLOSURE IF I DO NOT CONTINUE TO MAKE PAYMENTS. MY PAYMENTS HAVE BEEN PAID UP TO XX/XX/2020 WHEN THE NEXT ONE IS DUE. I AM NOT BEHIND IN PAYMENTS AS OF THIS WRITING, BUT WILL BE AS OF XX/XX/XXXX. MY PAYMENT IS {$640.00} PER MONTH. I NEED AT LEAST A 90 PAYMENT FORBEARANCE BUT CAN NOT AFFORD TO PAY THEM A LUMP SUM AFTER 90 DAYS BUT WOULD ASK THEM TO ADD THE PAYMENTS TO THE END OF THE NOTE. THEY HAVE REFUSED TO EVEN GRANT A FORBEARANCE OF ANY TYPE.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I CALLED EQUIFAX TO CHECK THE STATUS OF CORRESPONDENCE I.E. POLICE REPORT THAT I FAXED OVER XXXX THE XXXX REGARDING FRAUDULENT ACCOUNTS THAT ARE SOLEY BEING REPORTED BY EQUIFAX. NOT XXXX   NOR XXXX. THEY HAVE SUCCESSFULLY REMOVED THESE ITEMS. EQUIFAX IS THE NON COOPERATIVE ELEMENT IN THIS ORDEAL. XX/XX/20 AT XXXX XXXX  I CALLED EQUIFAX TO CHECK THE STATUS AND IT WAS TO NO AVAIL ... IM REQUESTING FOR ITEMS TO BE REMOVED AND FOR EQUIFAX TO BE CITED THE {$500.00} FINE PER ACCOUNT THAT THEY ARE REPORTING ERRONEOUSLY. WE KNOW CREDIT REPORTING AGENCIES GENERATE REVENUE FROM REPORTING NEGATIVE INFORMATION. SO IF THIS INFORMATION IS CONTINOUSNLY REPORTED EQUIFAX MAKES MONEY FROM REPORTING IT. SO THEY'RE NOT REALLY CONCERNED ABOUT REPORTING ACCURATE INFORMATION.
Consumer complaint received 2020-03-31
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. (CA)

I am filing this report today XX/XX/2020 because there are five accounts and some inquiries on my credit report that do not belong to me. The way I even found out about these accounts is because I am trying to refinance and I was unable to do so because of these accounts that aren't even mine. I did not open any of those accounts nor have I ever opened any type of account with any of those companies. I have no idea who could have stolen my personal information to open these accounts in my name without my permission but I have already reported it to my local police department. I did not gain anything such as money, goods, services or any other benefit from these accounts nor did I make any purchases/payments towards any of these accounts. I have also filed a complaint with the consumer financial protection bureau in hopes of getting this resolved.
Consumer complaint received 2020-03-31
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. (CA)

I am filing this report today XX/XX/2020 because there are five accounts and some inquiries on my credit report that do not belong to me. The way I even found out about these accounts is because I am trying to refinance and I was unable to do so because of these accounts that aren't even mine. I did not open any of those accounts nor have I ever opened any type of account with any of those companies. I have no idea who could have stolen my personal information to open these accounts in my name without my permission but I have already reported it to my local police department. I did not gain anything such as money, goods, services or any other benefit from these accounts nor did I make any purchases/payments towards any of these accounts. I have also filed a complaint with the consumer financial protection bureau in hopes of getting this resolved.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

Upon review of my credit report on credit karma, I noticed a derogatory account dated XX/XX/2020 original creditor XXXX XXXX in the amount of {$3400.00}, this account was listed on a previous report years ago under another name, I disputed the account years ago and the account was removed, the account has reappeared on my credit report with this date of XX/XX/2020 I am positive that this information is inaccurate, I did a direct dispute with XXXX XXXX and the result comment stated that the account is accurate, this is a previously resolved account and the information reported is incorrect, I did not receive any proof that this account is correct Ive disputed this account 3 times
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IL)

I received a notice that my credit score had dropped. Checked and saw a debt collection from Sequium Asset Solutions for XXXX from a XXXX XXXX  account in NV. Turns out someone opened this account in my name and XXXX did not verify any of the information or have any proof I opened the account despite going in person to install it in NV. I have been trying for over a month to have the debt removed and it is impacting my credit. I have filled out a police report. I believe that XXXX is negligent in letting people set up accounts without any standard verification and then it is impossible to get the debt removed so if you need your credit fixed you end up paying it - even if it is a scam. This is extortion.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (AR)

XX/XX/XXXX I am unaware of this alleged debt that the Credit Collection Service stated I owe them in the amount of {$89.00} that I supposedly opened with them XX/XX/XXXX. Per consumer law a collection agency has to provide validation of any debt on my consumer report under 12 CFR 1006.34 ( b ) ( 5 ). If they do state they have provided the information, I would like the method of validation, all correspondence of who you talked to, their phone numbers, emails and addresses. I have not been given a chance to dispute the account according to 12CFR 1006.34 ( c ) ( 4 ) ( I ) The collection agency is violating my consumer rights by using false misleading, misrepresenting and deceptive means.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account number : N/A Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX
Consumer complaint received 2023-06-24
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 — Their investigation did not fix an error on your report
Company: GOLDEN 1 CREDIT UNION, THE (NV)

You are in violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I have notified XXXX, XXXX, and XXXX that the following account is reporting inaccurate. 
The terms on the following account is invalid. The payment summary is incorrect and the following account is no longer reporting to all XXXX credit reporting agencies it is only now reporting to one.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX 2021
Consumer complaint received 2021-12-08
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: Ladera Lending, Inc (NJ)

Ladera Lending run my credit without my permission ; after reaching out to them on XX/XX/2021 asking why they run my credit and now i have a hard inquiry on my credit report and they should remove it. Ladera still haven't remove from my credit report ; there respond was could have been a system malfunction and they're not sure how an email was generate and send over with my rate turn have them to assume i want to start the process again of refinancing my home which was denied back in XXXX of 2021. 

thank you
Consumer complaint received 2020-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (CA)

I went into the furniture store on XX/XX/XXXX. The representative who assisted me with applying for the lease stated is was a 24 month term and any interest would only be applied to the remaining balance after the 90 days early payoff option. I was approved for {$2100.00} after paying a {$50.00} application fee. The lease amount was {$2200.00} ( Higher than the amount approved ) When applying no copy of the fees or contract were presented, I relied on the information that was being provided by the representative. I requested a copy be provided onsite and the representative stated it would be emailed to me immediately. I did not receive a copy of the agreement until the following day. The furniture store has a strict no refund and restocking fee policy which made it impossible to cancel my transaction after being funded for the lease. I called the store to ask about the fees that were in complete contradiction with what I was told. She assured me that it was a 24 month term and again the fees would only accrue on the remaining balance after the 90 day promotion rate. 
The balance owed on XX/XX/XXXX was only {$860.00}. I have paid {$1400.00} as of today XX/XX/XXXX. The balance now shown as an Early Payoff is {$1500.00}. I contacted Acima, the lender, to clarify on why it was double the previous balance. Attached if the saved transcript of the chat with the representative today XX/XX/XXXX.
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have an inquiry on my report from XXXX XXXX  XXXX XXXX and XXXX XXXX XX/XX/2018. I contacted the company and they had no information and dont know why the inquiry is on my account. I been going back and forth with TRANSUNION. They wont even put in. Dispute or help me with this matter