davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. I am listing the inaccurate accounts below XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX it has been over 45 days which gives a reason to immediately remove those items from my credit report. I have filed an FTC report and I will file for litigation due to the stress caused in this matter if not resolved immediately. My credit was also effected by the exactis data breach and my social was compromised.
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

Lender Name : PHH Mortgage services XXXXXXXX XXXX XXXXXXXX XXXX XXXX NJ, XXXX Previous Lender : XXXX XXXX XXXX XXXX XXXX I am being charged an additional {$2400.00} per year or XXXX cents per month on my escrow account. My total escrow expense for the year is XXXX I am being charged XXXX per year. I have called and talked to them AT LEAST 7 times. I have sent over proof of my homeowners insurance and taxes to this current year. Yet they refuse to tell me why they need the additional funds above and beyond the cost of taxes and insurance. I have requested a escrow account analysis, I have also requested that I pay my own taxes and insurance they have told me that isn't possible and I MUST pay THEM for this and I can not pay on my own ( I know this is a lie ). When a legal matter was threatened my loan was transferred to their sister company. I STILL have the same issue with this new lender ( same place different name ) and they tell me they have no record of past dealings and that I must ay them. They are asking for an additional {$72000.00} over the life of the loan and are refusing to tell me why or what its for. 

Also in the year 2021 they FAILED to pay my home owners insurance on time, I had to go down there and make a payment myself out of my own bank account to keep the home insured. They paid the insurance on XXXX the payment is due on XXXX, I was charged late fees that they refused to pay and I was out of pocket the cash in the mean time and I had to pay the late fees! 

THIS PLACE IS A SCAM SOMETHING NEEDS TO BE DONE
Consumer complaint received 2021-07-26
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. (TX)

I the consumer XXXX XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MA)

Hi have reached out multiple times to the school and loan services i have written two letters about my loan and I'm getting no help I never received my certificate from school or any help my school shut down with no noticed.
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

So basically I went into Forbearance mid XX/XX/XXXXdue to some issues my business encountered. I called in to XXXX  ( representing USAA bank ) in XXXX investigating the process to migrate to a deferall. The guy on call sorta jumped the gun and submitted me for the deferral before end of call once realized what he had done I freaked out and he cancelled it and was supposed to have a manager call me. I forget exactly the sequence after then if the deferall was properly cancelled or I was recorded as late cause didn't comply with, the logic was why come out till firmer on financial footing and was allowed 12 months. Anyway, In say XXXX or so I called raising XXXX and got to speak to manager or supervisor that seemed like they have it under wraps and would be able to pursue the deferral. I then actually even did another loan after that and during that process ( XXXX ) called in to discuss and came up again and was under impressions would be able to do deferral and to just start making payments in XXXX. I did this. My payment was rejected by XXXX and returned. I then received a note I had been approved for a mortgage modification. I only wanted the deferral. i don't want my credit damaged and my understanding was that during the Covid Forbearance there was not interest acruing on the missed payments. I basically want to do the deferral to protect my credit and think I should not pay extra interest penalties/ due to modication, but they actually increased my principal balance like XXXX. I have called into XX/XX/XXXXand had 3 requests for manager to call me back but have gotten none. One from XXXX and two recently. I fell like this is just going to go into foreclosure before they ever respond. I am told I must accept the modification or go into foreclosure, but all I ever wanted was the deferral at end of my forbearance and they fumbled this so many times and have folks on the phone who can't cover the details of these programs in details which makes it more tricky and confusing. I am sitting on the phone with XX/XX/XXXXnow again for the 4th time in weeks. Please help. -- I have been waiting over 30 minutes so the XX/XX/XXXXagent just came back had to disconnect ( extension XXXX / XXXX ). this was my 4th attempt to escalate now and look at the results.
Consumer complaint received 2021-08-04
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-08-03
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: ALLY FINANCIAL INC. (TX)

I paid my auto loan in full on XX/XX/2021. However the balance was never removed from my credit report so I filed a dispute. 

XXXX  sent me dispute results. The file containing said dispute results is corrupted and will not open. 

Despite providing them with documentation showing that the Ally note was paid in full, XXXX  is still reporting that the account was closed with a {$5000.00} balance. They also dropped my credit score FIFTY ( 50 ) points.
Consumer complaint received 2021-08-10
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. (CA)

On XX/XX/2021 XXXX XXXX requested a credit Score from XXXX, which they provided. Due to this score ( XXXX ), XXXX XXXX  rejected my application for a Home Loan. All the key factors do not match with my actual credit report, but still XXXX  add them to the reason of the low score. 
The Actual score when logging in the XXXX  website is XXXX. XXXX Scoring system is not consistent and is misleading to the consumer. They provide one Score to you and one different to someone else on the same day.

If I had known the actual score that XXXX  was going to report, I would made a different choice that was not going to affect my credit score.
Consumer complaint received 2021-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX capital one on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Capital one on XX/XX/XXXX Customer service was unable to help me remove these fraudulent inquiries on my credit report.
Consumer complaint received 2021-08-04
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: Aqua Finance, Inc. (AZ)

XXXX on XX/XX/XXXX Aqua finance on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Customer service was unable to help me remove these fraudulent inquiries on my credit report.
Consumer complaint received 2021-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (UT)

I had my credit report hit for a claim from 2018 I never recieved anything about this and once I spoke to the Medical Company they took payment and said it was done, I never recieved anything on this issue not 1 call they had some random number and the hospitls address as my contact XXXX XXXX XXXX XXXX i corrected there info they appligized and then this hit my credit. They creditor also refused to give me any details to verify this was my account as the amounts are differant the ifo is not correct.
Consumer complaint received 2021-08-10
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. (CA)

On XX/XX/2021 XXXX XXXX requested a credit Score from XXXX, which they provided. Due to this score ( XXXX ), XXXX XXXX  rejected my application for a Home Loan. All the key factors do not match with my actual credit report, but still XXXX  add them to the reason of the low score. 
The Actual score when logging in the XXXX  website is XXXX. XXXX Scoring system is not consistent and is misleading to the consumer. They provide one Score to you and one different to someone else on the same day.

If I had known the actual score that XXXX  was going to report, I would made a different choice that was not going to affect my credit score.
Consumer complaint received 2021-08-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc. (AZ)

XX/XX/2020, I walked into the car dealership in XXXX, Oklahoma at around XXXX. 
After hours of back and forth, pressure tactics and acting like they were doing me a favor by selling me a car, they said they found a car that I was approved for. 
By this time it was late, the dealership was closed and everyone was rushing to get us out so they could go home. 
Most of the lights were even off. 
We were in the office with the loan manager and he was shoving papers at me left and right ... '' sign here, sign here ... he's printing and printing more papers out ... this just says you can't bring the car back ... this just says you have no warranty.. '' etc. 
When I tried to ask questions, I could tell he was frustrated by it. 
He never went over the interest rate or any of that. 
I finally asked, " How much are my payments? " ..because it was never discussed. 
He told me {$360.00}. 
We took our car that night and left Oklahoma the next day. 
A few months later, I noticed that even though I'm paying all of my payments in full and on time, my pay off balance wasn't going down. 
I looked through the contract until I found the interest rate. 
The loan company charged me 18.9 %! 
And I now see that at the bottom of the contract it says that the dealer will get some of that. 
A few days ago, I learned that Oklahoma limits the amount to 16 %. 
I also read that they were supposed to provide me with the Truth In Lending information ... that was not done. 
I feel like these actions were a form of usury and predatory lending practices due to my low credit rating, my lower income, and them counting on me not knowing the law. 
I contacted them last month to ask about refinancing to a lower rate. 
Their response was, " No. We do not refinance our loans. '' The last week of XXXX  I called and informed them that I felt like they had not followed the usury laws and that I would like them to correct it.

Again, their response was, " No. We do NOT negotiate. '' I have tried to reach out them and they are unwilling to work with me. 
The law says that if they violate the usury act, they have to pay me that money back and are no longer allowed to charge me interest for the loan.
Consumer complaint received 2021-08-03
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. (UT)

I have been disputing accounts with the bureaus for some time and have received no letters or anything. Its been 7 months, I expected to have seen some updates or letters and have seen nothing. I will attach the last letters I sent but there have been several others.
Consumer complaint received 2021-08-04
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: EQUIFAX, INC. (NY)

I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. I have tried serval times to apply for loans such SBA loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2021-08-04
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: OneMain Finance Corporation (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid 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: Chime Financial Inc (CA)

I filed a dispute in Chime Bancorp on XX/XX/2021 with the amount of over {$1100.00} because The service provided by the merchant announced its closure and then I've talked to the merchant through the phone about the problem and the merchant told me that I can issue a refund to my bank and later on XX/XX/2021 my dispute got denied because there was no error. The thing is i filed another dispute on my other credit card which is XXXX XXXX on XX/XX/2021 with the amount of {$260.00} and they just approved my dispute and they considered it case closed. Same merchant because I used XXXX credit card to pay the service which is Chime Bancorp and XXXX XXXX. I can provide another information or documents to follow up if needed Rebuttal : XXXX XX/XX/2021 ) I submitted a new additional information from the merchant that i can issue a refund through my bank and chime refused to do it. 

Update # 3 : XX/XX/2021 XXXX Closed ) i got an email that they closed my case even though I got a notification that XXXX of the purchased i made from the merchant was cancelled and will be refunded to my card ending - XXXX and still they closed the issue. 

I have all evidence here that I am eligible for refund and chime refused to do it.
Consumer complaint received 2021-08-04
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. (IL)

I constantly contacted and disputed the item in question and I have provided proof that the item was being reported incorrectly I ask to be removed but the incorrect reporting was still not fixed
Consumer complaint received 2021-08-04
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: Resurgent Capital Services L.P. (CT)

I have these accounts that does not belong to me and want them to be removed from my credit report asap. 

XXXX  XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

XXXX  XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

XXXX  XXXX. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

3 different collections was placed on my credit repost from this company all opens on the same date and also the same account number. I never had any dealings with this company and this is not my balance owed. Dropped my perfect credit score tremendously.
Consumer complaint received 2020-01-09
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. (NY)

i previously notified you that I am a victim of identity theft. I am also stating that I did not receive any good or anything from the false information that is on my report that belongs to someone else.
Consumer complaint received 2022-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

Navient is stating they repurchased my loans from XXXX and XXXX stated they are still my servicing agent for my loans. I transferred my loans to XXXX XXXX in XX/XX/XXXX and I have set up XXXX with XXXX XXXX. Navient is stating they repurchased my loans back from XXXX in XX/XX/XXXX. Fed loans states they are still the servicing agent. Navient has reported the same loans to my credit report and it is causing me to loan as if I own {$240000.00} in student loans which is not true.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Due to my husband 's business experiencing a loss because of XXXX, I fell behind on my XXXX  Bill. I contacted them in XXXX, and they provided me a Covid hardship payment plan which closed my account and I would continuing posing the balance each month. Every month XXXX  and XXXX  have reported the account closed. However, Experian has reported inaccurate information. I have spoken to both parties and submitted disputes. They will not correct the infraction.