davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (LA)

On Friday XX/XX/2020 I was contacted numerous times by XXXX " XXXX XXXX '' he said he is a locator trying to issue me paperwork for case # XXXX XXXX and that I needed to contact XXXX. After he gave me the message he was intending to give he proceeded to contact my daughter and threatened to come to her address- he stated her address- he then contacted my EX- Husband and gave him the same information he already gave me ... I have been divorced 6 years, his name is on NOTHING!! When calling the XXXX # - XXXX XXXX, XXXX said I owed ACE Cash Express {$340.00} plus {$200.00} extra for a locator fee. 
I have requested numerous times that they stop calling on all numbers they have, including my work number!! I have received several messages with threats to show up at my place of employment as well as my house and daughter 's house. 

PLEASE HELP
Consumer complaint received 2020-08-10
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: Experian Information Solutions Inc. (TX)

On ( XX/XX/2020 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person hands.
Consumer complaint received 2022-10-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LendKey Technologies, Inc. (FL)

I have recently been educated about the Consumer Credit Laws and TILA. I entered into a contract with Lendkey Technologies on XXXX for a student loan repayment for a total of {$55000.00}. To date I have paid {$25000.00} on the principal and {$22000.00}, with a remaining {$29000.00} on principal owed. 

Per 16 CFR 433.2, XXXX XXXX by excluded the federally mandated provision in at least ten point, bold face, type " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. '' See contract attached. 

They were notified on two separate occasions, both notarized by a XXXX  XXXX XXXX, of their violation of the law and did not provide a response within 20 calendar days of receipt of notice, per 12 CFR 1026.15 ( b ) - ( Regulation Z ). Per Regulation Z they are required to repay me any monies paid towards this loan, which would be a total of {$48000.00} I have attached proof of notification and receipt. 

I am requesting that the CFPB contact Lendkey Technologies ( and their registered agent ) regarding my requests to respond to my notice of recission and affidavit of truth sent to them.
Consumer complaint received 2020-08-10
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: EQUIFAX, INC. (TX)

On ( XX/XX/2020 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong person hands.
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (IN)

UNAUTHORIZED CREDIT INQUIRIES 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 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
Consumer complaint received 2020-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Hello and hope all is well. Thank you for taking the time to review concerns regarding student loans and credit reporting. Being a XXXX XXXX  for the XXXX XXXX XXXX XXXX since XX/XX/2015. The Department of Education has not extended the possibility of loan forgiveness. Being a dedicated employee during this unforeseen and uncertain error in time, my life is at risk daily. COVID-19 has made a major impact within our departments along with my home. My XXXX   was XXXX with the XXXX. Being considered frontline and essential, i went above and beyond the necessities with preparing XXXX for delivery. 

Also, requesting reporting on all major credit profiles. Due to the number of inaccuracies with the same account number multiple times on the report. This is an area of repetitive reporting which is compromising creditworthiness and credit scores.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I don't really care if they have the right to close your account. Banks don't have a right to hold your money hostage. We the people have the right not to keep our money in their bank if that is how they feel about us! We have a right to protest against their unfairness & abusive tactics! It's our business that keeps them in business! They are only hurting themselves when they do close peoples accounts. They are also hurting me because I can not pay my bills because they don't care! they just don't care! Especially during this type of virus pandemic with usaa closing my account & not letting me have access to my money during this pandemic! I hope they XXXX XXXX   XXXX  & XXXX! Since they are trying to make me XXXX!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MO)

Synchrony Bank decreased my credit limit with our notifying me. My credit limit was XXXX. On XX/XX/2020 I made a {$200.00} payment that left me a balance of {$650.00} with a little over {$1800.00} in available credit. On XX/XX/XXXX I login to my online account to make a early payment and noticed my available credit was - {$19.00} and my credit limit was decreased to {$640.00}. I received no notice from Synchrony that this  would happen and according to my payment history there is no way I should be in the negative. I have never missed a payment and my payment history is excellent and I have paid much higher than the monthly amount due. I really do not care if they decrease my credit limit but to do so then put me in the negative is a dissatisfaction and shows Synchrony cares nothing about their consumers. This type of mark will hit my credit report as if i have not paid on the account and that is just not true. 

Here 's is my payment history for the last six months Payments listed below have posted to your account. 
View Payment Activity for : XX/XX/2020Online Payment {$200.00} XX/XX/2020Online Payment {$200.00} XX/XX/2020 Online Payment {$200.00}XX/XX/2020 Online Payment {$200.00} XX/XX/2020 Online Payment {$170.00}XX/XX/2020 Online Payment {$170.00}XX/XX/2020 Online Payment {$100.00} XX/XX/2020
Consumer complaint received 2020-08-10
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: Experian Information Solutions Inc. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$350.00} XXXX/XXXX   XXXX {$350.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX  XXXX {$140.00} XXXX  XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$350.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$190.00} XXXX  XXXX  XXXX {$470.00} XXXX   XXXX {$350.00} XXXX  XXXX {$660.00} XXXX XXXX {$660.00} XXXX  XXXX {$3500.00}
Consumer complaint received 2020-08-10
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$350.00} XXXX/XXXX   XXXX {$350.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX  XXXX {$140.00} XXXX  XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$350.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$190.00} XXXX  XXXX  XXXX {$470.00} XXXX   XXXX {$350.00} XXXX  XXXX {$660.00} XXXX  XXXX {$660.00} XXXX  XXXX {$3500.00}
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc. (GA)

I have finance my vehicle with GM FINANCIAL for over a year almost a year and a half and have had trouble getting it reported to XXXX even though they say its being reported. I have called numerous times to GM AND XXXX only to be told an investigation will be opened to correct the matter its been almost 2 years and its still not showing even though it reports to XXXX  and XXXX. This is not helping my credit when I have a car loan that Im paying on time every month and have not gotten credit for it and it looks like I dont even have a car loan with XXXX. I have offered to send my payment information my loan information and XXXX refuses to take it from me stating it has to come from GM Financial. When I reach out to them they say they have sent the information and up until now I have gotten nowhere. Please help me get my loan reported accurately on my XXXX   report.
Consumer complaint received 2020-08-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I had a HORRIBLE experience with Experian customer service this morning. It's been 40 days since they received my dispute on XX/XX/XXXX ( I have attached proof of tracking AGAIN ). Their investigation has taken over 30 days and they have not removed the unverified items. Instead of removing, they want to start an entirely new investigation. NO, just remove the unverified items! It's been 40 days an they have yet to verify ANYTHING.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

Experian is terrible to work with in trying to resolve a Freeze. I know at one point I froze my accounts. I am trying to unfreeze to qualify for a mortgage. I have spent the last hour trying to reach someone at Experian. I believe I incorrectly pushed a button and it froze my account. It is not possible to speak with a person. The one time I was able to reach a person she immediately hung up on me. It shouldn't be a multi-day complex process requiring numerous hours to be able to unfreeze my credit report. Someone should be available to help and this should be a requirement by the government after all of the pain the credit reporting services have caused the American Public. These companies are absolutely miserable to deal with.
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

I was given flood insurance after providing documentation that my home and parcel it is on is not in a flood zone. I provided FEMA map,  letter from zoning stating I was not in a flood zone, and additional maps online in support that the property associated with my mortgage is not in a flood zone. I contacted the company that made the flood determination and found out LoanCare did not provide them my parcel number so their determination was made on a storage building behind another house down my road, not my home. Once they got my parcel number they also agreed I was not in a flood zone and sent another determination stating so. After all this LoanCare now says they need a new property description and to contact my county tax office. I called and they were perplexed at the request and said as far as they can see I am not in a flood zone and do not need a new description. This has been ongoing since XX/XX/2020 with no resolution. They overdrafted my escrow account to purchase {$1000.00} flood insurance so my mortgage payment will go up $ XXXX starting XX/XX/2020 to compensate the overdraft, and my property taxes are due in XX/XX/2020 but now there is no money in my escrow to pay them. This has been going on for 4 months. I have missed time from work and my family making countless phone calls to LoanCare, zoning department, XXXX, FEMA, and the tax office. The stress this is causing me is interfering with my job. Im at my wits end and am to the point of just contacting a lawyer to pursue this further.
Consumer complaint received 2023-03-08
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)

My XXXX lease for a vehicle, account was paid in full and closed XX/XX/2023. It is still showing up on all three credit bureaus as being a delinquent open account. I am not able to lease another vehicle with any dealership because they are taking a look at my credit history and denying me off of this XXXX account. I have all information showing that the account was paid off and it's supposed to be closed.I have contacted XXXX for 3 months straight and I've made numerous disputes with all three credit bureaus and nothing has been done. XXXX is acknowledging that the account is closed but nothing is being done.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2020-08-10
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. (FL)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2020-08-10
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 was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2022-05-15
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: EdFinancial Services (OK)

In accordance with the fair credit reporting act EdFinancial Services Student Loan, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (CA)

I called in XX/XX/2020, Quicken Loans/ Rocket Mortgage for forbearance during the COVID shutdown in CA. Although my remaining loan had 10 years left to be completely paid off, my employment hours was cut in half, I needed assistance. They offered forbearance on my loan to put 3 months of payments onto the end of the loan. I accepted. 3 months later I applied for an additional 3 months due to the recent 2nd shutdown and was granted by letter, an additional 3 months by Quicken Loans. 
However, when I called Quicken Loans to confirm this, I was transferred to a loan modification representative. The representative said I was eligible for a loan modification that would lower my payments, but refused to tell me the terms, saying I could review the terms on their website. I asked again about putting the payments onto the end of the loan, but was told this new payment would lower my monthly payments. She asked for my account number and routing number to " lock-in '' the lower rate. I gave her the information thinking I was going to get a lower payment overall with no change in the life of the loan. 
The next day, I looked on the Rocket Mortgage website and found they had doubled my loan amount owed and changed the terms to 40 years. 
I called Monday morning to Quicken Loans to cancel this loan modification but was repeatedly told by a scripted representative I had agreed to the loan modification by providing my account number and routing number. I asked to cancel the loan modification, stating the terms were repeatedly refused to be disclosed until after I had agreed to the modification. Again, a scripted response, I had agreed to the loan modification. 
I believe this is fraudulent misrepresentation of forbearance offered to me originally. The representative of Quicken Loans misled me to believe I was getting a lower payment plan without any change in the length of the term. 
I was not allowed to cancel the loan modification in my conversation with a loan representative, being told repeatedly by scripted employees, I had agreed to the loan modification. 
I believe Quicken Loans is taking advantage of Americans in COVID forbearance to get them to agree to loan modifications, advantageous only to Quicken Loans.
Consumer complaint received 2024-03-21
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. (VA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX