davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (TX)

I got sick with XXXX XXXX while XXXX i lost my XXXX after recovering from XXXX I was diagnosed with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl my which caused me to fall back on payments my car was taken without my permission in wrecked, and totaled I am now stuck with the debt on my credit profile with all going on I also lost my apartment that me and my kids were living in I'm a single mother of XXXX in we are still homeless Im trying to get back on my feet in this car loan is making it hard for me to be able to start over with a new place in car.
Consumer complaint received 2021-06-03
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: EQUIFAX, INC. (CA)

To get Equifax to properly classify item below XX/XX/XXXX on my Equifax Credit profile. 
XXXX XXXX XXXX| xxxxx XXXX {$17000.00} 87 % Reported Balance Credit Utilization Now showing on my credit profile with them as a revolving account, to an installment account. Removing it from the revolving account classification once and for all. 

Equifax Im told has some Excuse or Rule that if the interest rate is below a certain percentage they classify it as a revolving account. Or at least that is the way I understood it. 

From XX/XX/XXXX thru XX/XX/XXXX My credit Union has had numerous conversations with them as well as a personal call from me and written communication to get them put it in its proper classification. It is destroying my credit utilization profile and ruining my chances at good credit. It is a fixed loan amount with a fixed monthly payment therefore meets the requirements of an installment account, as one of their supervisors revealed to me its obviously an installment account over the phone.

Both XXXX & XXXX are showing the account correctly. 

They did put the XXXX XXXX XXXX Account Now at {$17000.00} balance in its proper classification around XX/XX/XXXX but it only lasted a month and reappeared in XX/XX/XXXX. Unfortunately, I informed my Credit Union that the problem was solved at that time and they may have I fear, quit pursuing the fix. 

You would think with all the issues and breaches they ( Equifax ) have had they would endeavor to make themselves not only a little more consumer friendly but accurate. Still to date I have not received any of the services promised to me because of their data breach. But that is another story.
Consumer complaint received 2021-06-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inaccurate information has been listed on my credit report. I am being taken advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury and defamation of character. I can not get a job or apply for credit. I am restricted from receiving aid such as SBA loans due to the pandemic due to the negligent, erroneous mistakes made by your company. I have also sent multiple letters to your company regarding this issue, and have received no response.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (FL)

I have an issue with Lending Club institution. 
They have been reporting missing payments since XX/XX/2020. I have a proof of all automated payments from my bank. I provided to them, but they did not even respond. 
I called them and spoke to one of the managers and he said there is nothing they can do. 
I just wanted them to correct reports and fix their mistake.
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (AZ)

On Saturday, XX/XX/2020, I submitted a complete application to New American Funding for a refinance of my home loan. Along with my application, I uploaded all stipulations to verify income, property address, id, social security, hazard insurance, and current mortgage balance. 

On the morning of XX/XX/2020, I called New American Funding to find out if an MLO would be giving me a call to discuss my options. I was told by the call center representative that an MLO from a local office would be giving me a call. 

It wasn't until the morning of XX/XX/XXXX that I was contacted by a local MLO. The conversation was brief and promised me he would be looking at programs and would call me back at a later time. 

I called the customer service center back on XX/XX/2020 to follow up. I was forwarded to the local MLO and was quickly disconnected. 

It is now XX/XX/2020, and I have not been given a Loan Estimate according to TRID. 
Contacting the company yields no results. I called the customer service center once again today with no response.
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (NC)

My name is XXXX XXXX. In XXXX, me and my brother took a loan out for a car for my Mother. In XXXX, the car was totaled. After the insurance paid off part of the amount, Credit Acceptance said there was a balance of {$1000.00} on the account. In XXXX of this year, during this pandemic, Credit Acceptance put {$330.00} in interest on the account and placed two missed payments on it. When I contacted them to find out why, they said someone contacted them and agreed to make a {$600.00} payment and did not follow through. I spoke with my brother and he also did not call them. I did not contact this company and make any agreement with them. Apparently, they have been sharing my information with others without my consent. They also have been sharing information with varies family members in regards to my account.
Consumer complaint received 2020-01-02
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. (NJ)

I have accounts listed on my credit repair that doesn't belong to me. I never gave anyone access to personal information to apply for these accounts listed below. 



XXXX XXXX -opened XX/XX/XXXX amount {$930.00} XXXX XXXX opened XX/XX/XXXX amount {$790.00} XXXX XXXX XXXX opened XX/XX/XXXX amount {$0.00} XXXX XXXX -opened XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX XXXX opened- XX/XX/XXXX amount {$3900.00}
Consumer complaint received 2019-02-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I open up a fraud investigation on a credit card account XXXX XXXX XXXX   and its has a high balance of XXXX and I didnt apply for this card and it was open on XXXX with a credit limit of XXXX and never applied and I send experian and XXXX documents to have this account to be removed and it was put back on my credit report on XXXX and I called experian yesterday on XXXX to have the credit block in place and they refused to do so and protect me from fraud and I have a membership with experian and experian never explain that the company has a claim dept for customers who had fraud charges I have a membership with experian and they refuse to remove that account off my credit report and its hurts my score and it went down to XXXX and Im so worried about my current credit cards and they will be closed due to low credit score ... .Experian told me I need to contact XXXX to have this fruad account removed and I contacted XXXX too many times and at first they said I wasnt held liable for this account and few weeks later they said I cancel the fraud claim and I never made a request to cancel my fraud claim XXXX credit card resume it and they are taking too long to resolve it its been over a year ... XXXX and XXXX removed this account off my credit report experian refused to do so
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am to believe that certain cc companies like XXXX and Bank of America are forcing consumers to use their online service for payments and when they refuse to do so they will keep adding late fees on your account claiming that your payment was late ... it's a trend I've been noticing with these two banks in question ... currently my credit score has moved from XXXX to XXXX because I refused to pay their late fees and they won't reverse these late fee charges only keep adding it every month... please investigate these unscrupulous bank and fine them for these mal practice.
Consumer complaint received 2021-06-03
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/1979 I AM REQUESTING A PROOF OF CLAIM DUE TO FRAUDULENT ACTIVITIES ON MY CREDIT FILE. I REQUEST THE FOLLOWING ACCOUNT SEND ME LEGAL DOCUMETATIONS : PORTFOLIO RECOVERY # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX. 
This is this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2020-06-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX 
{$160.00} XXXX XXXX {$460.00} XXXX XXXX XXXX   {$830.00} XXXX XXXX XXXX {$170.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2019-02-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2023-01-13
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. (LA)

Upon checking my XXXX, Equifax, and XXXX consumer credit report I found that persons XXXX, Equifax, and XXXX violated the fair credit reporting act laws and also damaged my consumer credit reputation with the following information listed Below 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting 15 U.S. Code 1681e - Compliance processes ( a ) Identity and purposes of credit users 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1666b - Timing of payments XXXX is reporting the following accounts violating these laws : XXXX account number XXXX, XXXX XXXX XXXXXXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

Equifax is reporting the following accounts violating these laws : XXXX XXXX account number XXXXXXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX  XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX. 

XXXX is reporting the following accounts violating these laws XXXX XXXX account number XXXXXXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXXXXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX  account number XXXX.
Consumer complaint received 2023-01-14
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. (DC)

All XXXX major credit reporting agencies allowed companies to report late payments to my credit files. However, XXXX passed the Heroes Act Section 110401. This LAW states that NO COMPANIES ARE ALLOWED TO REPORT LATE PAYMENTS TO OUR CREDIT REPORTS, during the pandemic, which started XX/XX/2020 and is still ongoing.
Consumer complaint received 2023-01-14
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. (DC)

All XXXX major credit reporting agencies allowed companies to report late payments to my credit files. However, XXXX passed the Heroes Act Section 110401. This LAW states that NO COMPANIES ARE ALLOWED TO REPORT LATE PAYMENTS TO OUR CREDIT REPORTS, during the pandemic, which started XX/XX/2020 and is still ongoing.
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (WA)

In XXXX of 2019 I contacted XXXX XXXX from XXXX XXXX XXXX regarding a collection with XXXX XXXX XXXX. I scheduled automatic payments through my checking account every 2 weeks starting XX/XX/2019 until debt was paid in XX/XX/2019 to the total of {$1500.00} XXXX XXXX paid every 2 weeks ). Last month ERC came up on my credit report for the same company XXXX XXXX XXXX for the amount of {$1500.00} this debt has been paid with the original creditor and I have my statements and bank info to show it has been paid. I would like ERC to remove that derogatory collections on my credit report because it is showing up as a new collection when it is not. This is poor practice of collecting a debt that is finalized.
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (LA)

Hello, I am submitting a complaint today in regards to EDFinancial 's lack of clarity and inability to provide timely refunds. I had initially requested a refund for my student loans due to the CARES act, they gave me a completely unreasonable timeline as to when the funds would be returned, even though a number of my friends ( who are also going through EDFinancial ) have already received their refunds via direct deposit. They can not give me ANY transcripts of conversations with customer support, or provide any additional information as to where my {$5000.00} is currently. I have even been outright hung up on multiple times when calling an agent. My loan account has opened back up and has been opened for a month now, which has impacted my credit score, yet I still have no idea to where my funds are. In this economy, I can not afford the conflicting statements given to me by agents, lack of clarity from them, and most importantly so the absence of MY money. Emailing them has been met with no response and calls are difficult seeing as i am XXXX overseas. I pay for every call and each time I can not be provided with additional information.
Consumer complaint received 2020-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have reeported PORTFOLIO RECOVERY SEVERAL TIMES IN REFERNCE TO MY ACCOUNT THEY KEEP GETTING IT OPENED AND PUT BACK ON MY ACCOUNT, MY ACCOUNT HAS BEEN DELETED AND NO PAYMENT CAN NO LONGER BE APPLIED, ,THIS IS DUE TO FRAUD AND TWICE IT WAS REMOVED,, i WANT THE HARRASMENT FROM THEM TO CEASE.. 
XXXX REF XXXX PORTFOLIO RECOVERY LLC XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

Requested a free annual credit report from Equifax on XX/XX/2018 using the annualcreditreport.com site. Told that it was not available on line ( other two credit reporting agencies, XXXX and XXXX provided my reports online ). Told to send a written request. 

Sent written request on XX/XX/2018. 

Went online to to equifax.com/XXXX  on XX/XX/2018. Filled out form and received message saying the state I live in, New York, does not provide a free report and invited to pay {$11.00} for my report. I did not pay.
Consumer complaint received 2023-01-14
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. (OH)

In XX/XX/XXXX, my car was stolen. All my personal information was in my card including my driver 's license, my unlocked cell phone, W2s, and medical information. In XX/XX/XXXX someone opened an account in my name with XXXX XXXX Bank. I reached out to Transunion and disputed the account and mailed in my ssn card, birth certificate, copy of the police report, and other requested documents to confirm my name and identity. I've filed several disputes with Transunion regarding this. I've also tried to resolve this directly with the company. However, since my name is incorrect on the account, I was not able to get information from the creditor. I have submitted yet another dispute by phone and by webpage concerning this. This account does not belong to me. This account does not have the correct name on file. Transunion only updated my name on my credit report but did nothing else concerning the fraudulent account opening. I mailed many documents, but when I check on them and provide tracking information, they claim to not have received my documentation.