davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (CA)

On the website it States that I owe now more than I owed a year and a half ago. I owe over 6000 on a XXXX dollar loan and the payoff for 10 days was recently XXXX. They already repossessed me once and made it so difficult to get my car back when I was pregnant in XX/XX/2019. They are now telling me that i will be paying close to 15000 by the time the loan ends. All of it goes to interest and the car is not even worth that much anymore on XXXX. About 4000. I did a lot of research into this company and they are known for scamming people into thinking its something it isnt. I do not have good credit because of things such as repossessions and credit card debt and so my XXXX XXXX XXXX wont refinance me. They wont let me get out of this loan and I need to! Before I got a title loan I owned my car for 2 years paid it off for XXXX in 8 months. Now I have a child and I lost my job. Please help.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/2020 I received automatic messages from Citibank fraud prevention department asking for verification of several transactions made on my account. I replied to those messages specifying that those transactions were not made by me and denying any acknowledge of the purchase amounts referenced on the text messages. Then, I received a call from a representative who asked me details about the transactions that did not look as regular transactions that I could have done, based on my purchase history. I answered on that call that I had not done any purchase with my card that day. I agreed with the representative that my account should be closed for security reasons, so he proceeded to close my account and a new account was issued and sent to me a few days later. The representative did not advised me to file a police report or contact any other office at the time.
Consumer complaint received 2023-01-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Per the company 's response XX/XX/2023 they stated the address on file was apartment XXXX in which they sent all correspondence. I have never lived in apartment XXXX nor does that address show up on my credit report. I also did not make a phone call with the company on that made up date. What evidence do they have regarding a phone call I made and what was it about? My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. The address they are referencing is not on my credit report nor does that account belong to me as they have no contract with a wet signature. Please remove this item immediately.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2020-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CO)

My services were cancelled at XXXX XXXX XXXX XXXX # XXXX XXXX CO XXXX on XX/XX/XXXX. I requested a final bill be sent to me. XXXX/XXXX   never sent a final bill and they abruptly place a negative collection mark on my credit reports with XXXX, XXXX and XXXX. That has seriously damaged my credit and is in direct violation of FDCPA laws.Furthermore it appears my account may have  been transferred to Enhanced Recovery Company who i have never heard of. That is a double FDCPA violation because not only didnt XXXX/XXXX  not send me a final bill and damage my credit, Enhanced Recovery Company never contacted me in anyway to send me any collection notice and took away my right to dispute. I am asking for XXXX/XXXX  and its collection agency to immediately remove any reporting to the 3 major credit bureaus and send me a final bill. The amount showing on credit reports is {$150.00}. Online account shows a different amount and there are no bills available to view online so there is no valid proof of debt available to me. I am unable to view any bills online and last bill i received was XX/XX/XXXX. In my discussion with XXXX and chatting with agent by the name of XXXX, I was advised if i want it removed from credit bureau i have to either pay in full to XXXX or to the collection agency. here is the excerpt below from our chat session XX/XX/XXXX at XXXX 1. We can process the payment for the final bill then I will submit a request to remove the credit report, however, the removal will take up to 30 days from the date of the payment. 

2. You can contact the Enhanced Recovery and make a payment with them directly for a faster removal of the credit report, XXXX. 

I advised that I am not paying anything without seeing the final bill first and furthermore having the negative reporting deleted first. 

This further backs my claims of illegal tactics by these companies.
Consumer complaint received 2020-03-07
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. (FL)

I HAVE BEEN GETTING PHONE CALLS FROM DEBT COLLECTORS REGAUDING A ACCOUNT MY MAIL WAS STOLEN OUT OF MY MAIL BOX AND SOMEONE WAS ACTING AS ME AND STOLE MY IDENTITY TO OPEN UP FRAUDULENT CREDIT CARDS SO I CNTACTED XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-01-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

My husband passed away XX/XX/2015. Investors bank would not help me or work with me. I asked them to put the few months of mortgage that I owed onto the back end of the mortgage. Instead they did everything they could to foreclose on me. Which they did. I hired a law firm in california and they said to file for bankruptcy to save more time, but they just took my money and now I have a dismissed bankruptcy on my credit file. 
I have all of the information, documents, etc.
Consumer complaint received 2023-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I reached out to National Credit Systems for debt for XXXX on my credit report also for XXXX I reached out to creditor and they have incorrect DOB AND ADDRESS, also wrong XXXX XXXX XX/XX/2016 I was a victim of ID theft. Police report # XXXX. There is several accounts opened opened fraudulently. Also for XXXX XXXX XXXX opened on XXXX. Also there is an account for XXXX XXXX INERNATIONAL {$6200.00}, AND LASTLY THERE IS AN AUTO LOAN WITH XXXX  XXXX BANK FOR XXXX.
Consumer complaint received 2020-03-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd. (FL)

I took a payday loan and couldn't pay back. Two yrs later, received phone call from XXXX XXXX XXXX threatening arrest & jail if not paid. I have had them take $ XXXX/month from my Social Security Disability-issued debit card. They have been paid {$300.00} of the {$400.00} owed. Saw article on the company saying they may be fraudulent. Started pymt on XX/XX/XXXX with {$25.00}. Pd $ XXXX/month XX/XX/XXXX thru XX/XX/XXXX. 

https : //www.consumer.ftc.gov/blog/2019/02/ftc-halts-another-phantom-debt-collection-scheme Not sure if I'm being scammed. Please help.
Consumer complaint received 2020-03-06
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. (NY)

This problem originally included both XXXX  and Equifax ; XXXX  corrected the issue and removed any reference to XXXX from my credit report. Equifax did not. 
The furnisher company involved is XXXX XXXX  XXXX, a division of XXXX XXXX. 
The company services a mortgage that is under foreclosure and has been for the past 10 years. 
The last payment made on that mortgage was XX/XX/XXXX. 
The resolution they filed with Equifax even had that date but somehow they also claim I made some kind of payment in XXXX. 
I did not. 
The record proposed by XXXX also claims " paid as agreed '' but shows a 180+ days delinquency, a glaring inconsistency. 
In XXXX, XXXX was not the servicer of the loan and it belonged to a different company as well ( XXXX services it for XXXX XXXX, XXXX ; it was serviced previously by XXXX XXXX XXXX which never recorded a payment in XXXX ). 
Attached is an Affidavit from an employee of XXXX that was filed in an unsuccessful bid to foreclose on the house, and which specifies that no payment was received since XX/XX/XXXX. 
Also attached is Equifax 's report on the issue. Notice that the information that supposedly came from XXXX is internally inconsistent ; on one page they acknowledge that the date of first delinquency was XX/XX/XXXX ( I'll accept even though it was XX/XX/XXXX, the difference is immaterial ). In another place, they claim payment in XX/XX/XXXX. This is not in keeping with the sworn affidavit or the other statement in the Report. 
When I tried to explain this to the representatives at Equifax, they claimed not to have access to the PDF  I was trying to explain to them and that is attached here, so we had unnecessary difficulty coming around to the inconsistency and source of the trouble.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (TX)

Had a check deposited that they approved and released into my business account. 2 hours later after i already ordered materials as the customer wished. They froze my accounts and told me i owed them all the money that was spent on the materials. And have not released any of my accounts or what little money i had in my personal account.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-05-25
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2020-03-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

i ; consumer, owner of home stead, exempt property known as XXXX XXXX XXXX XXXX Washington DC, which scheduled for foreclosure on XX/XX/2020, select portfolio servicing , incXXXX, I ; never had any contract with select portfolio servicing, inc, I, never had 2nd lien with XXXX XXXX XXXX, XXXX. i deny alleged debt in entirety, i am, able ready willing to settle any debt that is true, due and owing.
Consumer complaint received 2023-02-13
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MO)

Citibank closed my credit card account. When they did they claim that I forfeited all rewards points. I had no advanced notice of the account closure or I would have used the points that I had. As of my XX/XX/20 statement I had XXXX points and Citi is now saying those points are forfeited.
Consumer complaint received 2020-03-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I have a {$1000.00} loan from ace cash Express. when they first started to withdraw payment i calculated the fees the were giving me was almost the same amount of the loan {$920.00}. I told them that i have taxes to pay and that i had a family emergency that i wouldn't be able to pay back loan. that I have plans to get with a debt consolidater. Ace cash have told me that they are filing a lawsuit against me. they've constantly harrassed calling my phone and calling my job telling people I work with that they're filing a lawsuit against me. I know its affected my credit. I need them to stop harassing me at my job and constantly calling at my job
Consumer complaint received 2020-03-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

This occurred on Saturday XX/XX/2020. 

I called my current mortgage company, Quicken Loans, and asked about current rates since I heard they dropped. I was interested in potentially lowering my interest rate. 

The first person transferred me to a specialist. The specialist quoted me a rate of 2.5 % as their rate for a 15 yr mortgage. 

The specialist then asked if I wanted they could pull credit to get the process moving to save me money. I agreed. 

The issue came when the specialist came back on the phone and failed to mention that the 2.5 % rate was only possible by paying a bunch money to get the rate down that low. It was a bait and switch. I never would have agreed to have my credit pulled if I knew I would have needed to pay a bunch of money just to lower my rate by 1 %. 

The specialist did not read any credit disclosures to me on the phone and did not mention there would be a hard pill on my credit and impact my score. 

Furthermore, I escalated to their manager and the manager said that none of their rates were that low unless you paid additional money. He said that the rep should have mentioned that. 

This is clearly a deceptive practice from the sales rep and was not in the best interest of the consumer to inform them of the information before making this decision. 

I am requesting that this credit pull be removed and the rep coached to prevent this from happening to additional customers.
Consumer complaint received 2023-05-25
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found out that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which are being posted in my report. 

Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX ; XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX. XXXX, XXXX XXXX Balance : {$540.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$540.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove inaccurate items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi my name is XXXX XXXX XXXX XXXX Im contact the credit bureau about my name and address on my credit report also I send them proof that the names and addresses they have listed on my credit report was not my, I have one name that I have used though out my life and would like this corrected.According to the fair credit laws anything on your credit report supports to be accurate and correct. Names thats not corrected XXXX XXXX XXXX and XXXX XXXX XXXX and addresses that not corrected is XXXX XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX also removal of all accounts attached to these names and addresses.