davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I have been paying my loan on time until one day my payment did not go through which I have noticed too late. I have paid what is due and even a month in advance. Unfortunately, they have put a negative report in may credit report without warning. I would just want them to talk to me so we can try to get this report off my account. I need to buy my brother a car and I will need to have a very good credit score to get him a new XXXX that he wanted with 0 % APR. I'm really desperate. I have been trying to reach them through the number they left in my voice mail, but I was unsuccessful. Please contact me again so we can work things out. These type of report will stay in my account for seven years. Please find it in your heart to let this one slide.
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (KY)

On XX/XX/2020 I spoke to a gentleman named XXXX ( ID # XXXX ) and he convinced my wife and I to purchase a package XXXX XXXX XXXX Vacations. XXXX never informed my wife and I that we had to attend a resort sales seminar. 

I received the information in the mail and noticed this requirement. My wife and I would like a refund. XXXX used deceptive practices to get us to sign up for something we are not interested in. Our XXXX ID is XXXX. 

I contacted my bank to dispute the charge and they said they can't do anything. My bank is BBVA USA ( Simple ). My account number is XXXX. Routing number is XXXX. They told me I had to work with the merchant. 

On XX/XX/2020 I contacted the merchant and they told me they would no refund the money. I sent an email to their support department with information about the dispute and I have not heard back.
Consumer complaint received 2018-05-16
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. (FL)

XXXX XXXX is a car lender loan company. On their website it clearly states they report to the credit bureaus every month. It has been 12 months out of the five year loan agreement and no payments history has been recorded with any credit bureau. I contacted XXXX I contacted credit bureaus and nothing. No response. The bureaus tell me to contact the company and the lender tells me to dispute the information. On XXXX XXXX the account shows as closed and paid off yet I'm still receiving statements and have four more years. I do not know what is going on. My credit could be improved a long time ago.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NJ)

We signed up for a card that have a minimum spend in the first 150 days. We met that spend requirement and the bank has not provided the {$450.00} promotion as advertised.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (LA)

In accordance with the fair credit Reporting Act XXXX  Account XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX 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 a account without my written instructions.
Consumer complaint received 2018-05-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (OH)

I received a notice regarding refi on previous V A loan that I had with XXXX XXXX company and refinanced with XXXX XXXX XXXX now i'm finding out that I can't refinance this loan anymore? Don't understand why I never heard of this until I researched can someone look into this for me my current loan XXXX XXXX XXXX.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (NC)

On XX/XX/2022 I sent a dispute letter to Experian regarding a derogatory account being reported on my credit Listed as XXXX XXXX XXXX. The issue being that I sent a dispute directly to XXXX XXXX XXXX and the XXXX Postal service returned the mail as undeliverable. With the mail not being deliverable, I sent a request to Experian to delete the account due to them violating the FCRA. I can not investigate the alleged debt if I have no way of getting in contact with the debtor. 

As a result of my dispute, Experian responded with a letter dated XX/XX/2022 that I received on XX/XX/2022 stating that the account that I disputed is not listed on my credit report. They then proceed to say that the account was updated. However, the account in question is now showing on my credit report as XXXX XXXX XXXX with the exact mailing address as XXXX XXXX XXXX. It is clear to me that the name of the company was changed between the time it took me to send them a dispute letter, and the time it took Experian to respond. 

They are in blatant violation of the FCRA by reporting a fraudulent account that can not be verified or disputed based on the returned mail I sent to XXXX XXXX XXXX which is now showing as XXXX XXXX XXXX. 

I am attaching a copy of my XXXX XXXX report dated XX/XX/2022 that clearly shows the account listed on my Experian report as XXXX XXXX XXXX, a copy of XXXX XXXX XXXX XXXX XXXX profile listing an undeliverable address. As well as a copy of my dispute results from Experian showing that the name has clearly been changed.
Consumer complaint received 2018-05-16
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. (FL)

The issue at hand is with my current mortgage company XXXX XXXX. I'm a FL resident and on XX/XX/XXXX I was impacted by Hurricane Irma. FL was considered 1 of the Disaster areas. Due to this, XXXX XXXX   offered a 3 month forbearance that was extended for an additional 3 months in order to help the victims. I was placed on the forbearance. On multiple occasions I've called and spoke to several different representatives in customer service to confirm that being on the forbearance would not have a negative impact on my credit report. Over and over the confirmed as long as I stayed in contact with them by the end of the forbearance to look into other options to repay I would not experience any negative reporting. At the end of my forbearance they demanded me to pay in full the 6 months payments which was more than 10,000. I was shock that this was the only option so I asked if they had other repayment options like perhaps rolling the balance to the end of the loan. I was finally contacted by an underwriter for the company and was offered a disaster modification option which sounded great. I applied and was approved and placed on a pre trail for 3 months. I'm currently on my 2nd trail payment and is required a 3rd payment before they will officially put me in the modification. My account was being reported current up until XX/XX/XXXX. 

On XX/XX/XXXX my account was reported delinquent, with a statement that I'm paying partial payment agreement to all 3 credit agencies. Because of this reporting my credit has dropped more than 71 points which cause a huge impact to my credit ratings. 

This is my second claim the first one just closed and they did make the corrections with XXXX and XXXX. I'm still waiting for Transunion to be updated. I was never informed that accepting the loan modification would impact my credit negatively. I was told that all negative reporting would be placed on hold. I'm currently in the process of obtaining new credit and because of this discrepancy I can not move forward. This is unfair to me. If I was properly informed I would have never chose this route. My credit is one of my top priority and keeping my ratings high has been my goal for many years now. I contacted my mortgage company and spoke to a supervisor that informed me that the negative reporting was a mistake and should have never occurred and that she would contact me to confirm it was being corrected. I haven't heard back yet. Time is of the essence and would like confirmation that the changes will be submitted. After speaking with her I called a few times and spoke to different representatives that informed me that the negative reporting will not be removed because the account was behind. at this point I'm getting mixed information and need help. I will attach a copy of the email I sent to them also.
Consumer complaint received 2022-06-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alpine Credit, Inc (CO)

On XXXX, I contacted Alpine Credit Inc with a request to validate the debt. They only provided a bill that has an account number and name on it. No other identifying details. The bill shows the amount in question as charged of or collection write off. In Alpine Credits Response they state they are not a debt buyer indicating they do not have to adhere to XXXX XXXX ( XXXX ). They continue to attempt to collect the debt, along with continue to charge interest. 
They have not provided the additional details required to validate the debt and confirm the bill is rightfully owed by myself.
Consumer complaint received 2018-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I submitted a complaint two or three weeks ago that does not appear. I suspect it was not filed. Fifth Third Bank violated my privacy and went against their own privacy policy when showing someone else the details of my personal checking account. Since all the accounts are closed, I have asked for statements for all accounts, open to close and keep getting stonewalled. I expect them to send me ALL ACCOUNT STATEMENTS INCLUDING MORTGAGE FROM OPEN TO CLOSE.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX shows a inquire on my credit report XX/XX/XXXX but I never gave them written authorization to run my credit.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States, clearly, I have the right to privacy. ( It's the LAW ).

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( It's the LAW ).

All Rights Reserved.
Consumer complaint received 2018-05-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MI)

Applied for a Veterans refi with Quicken loans. After in-depth review my wife and and I got cold feet and advised Quicken ( several departments ) that we were not going ahead with the loan. 

Several weeks went by and then they ran the {$400.00} appraisal charge against our credit card. No appraisal was ever ordered, attempted nor completed. 

We have contested the charge with the credit card company. 

Loan # XXXX
Consumer complaint received 2018-12-14
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. (OK)

XXXX previously had 3 accounts in my name. All sounds have since be consolidated with another company. XXXX is reporting me late in all 3 accounts from XX/XX/XXXX-XX/XX/XXXX. All accounts have never been late and have been in ibr or deferment since opened.
Consumer complaint received 2020-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Today XX/XX/2020 I received notice that XXXX XXXX XXXX XXXX removed 4 satisfactory accounts off my credit report. With them deleting this good information caused my score to drop significantly. I want this information reporting due to the fact they are loans that I paid off in full. I am uploading proof of the information that these accounts were deleted
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (GA)

As advised by the CFPB representative, I am filing the repeat complaint as the defaulter company is not responding to the orginal complaint # XXXX. Following is the details of the complaint This complaint is against XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ). Here is the sequence of events as it happened 1. XX/XX/2018 - collection worth {$160.00} added in my XXXX  credit report by this agency for not settling pending dues for apartment rented for XXXX XXXX XXXX. Informed collection agent that, I did not receive any statement and asked for dues statement 2. XX/XX/2018 - Statement received from collection via email 3. XX/XX/2018 - Dispute raised via email. Statement had many discrepancies and invalid amounts. Main discrepancy in the statement is {$90.00} added under the head of " XXXX - Error Charge ''. They have also added additional collection charges on top of original dues. 
4. XX/XX/2018 - Sent the dispute by post as no response from agency for email for more than a month 5. XX/XX/2018 - Agency replied that they have done the review and the amount found to be correct and did not provide any clarification on the discrepancies. ( See CollectionAgentDisputeResponse.pdf attached ) 6. XX/XX/2018 - Sent letter to agency and asked to clarify amounts in detail. ( See DisputeLetter.pdf file attached ) 7. XX/XX/2018 - Letter was received by collection agency. ( See the  USPSTracking.png attached ) In between, I have reached the original creditor, XXXX XXXX XXXX, for clarification on the discrepancies and got clear reply that the collection agency has the details about the statement. 

I have made multiple attempts on XX/XX/2018 and XX/XX/2018 to reach the collection agency by phone. They are now applying confusing communication tactics to forcibly collect invalid amount which they are not able to clarify. here is how they respond to the calls : 1. Keeps quiet when asked about the clarification and calls gets automatically disconnected abruptly multiple times. 
2. Telling me the dispute is still in review and do not provide ETA when the they have done with their review on XX/XX/2018. 
3. Keep my calls on hold and transferring to a person who is not available. 
4. Calls up my friend when they have my contact information. 

I have already informed the collection agency, that I am willing to pay the dues if any once they clarify the discrepancies. But they are intentionally delaying the resolution of dispute which is affecting my credit score and causing mental harassment to me and my friend.
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

Hello, I'm writing to lodge a formal complaint against Freedom Mortgage, the company that services our mortgage. Since Freedom became our servicer ( something over which we had no control, like everyone else ), we've been barraged with both paper mail and phone calls " offering their services '' to refinance, etc. I've repeatedly told them over the phone that we are not interested in their marketing and explicitly demanded they cease from contacting us with marketing material. I still receive constant paper mail and phone calls. They even continue to call me and asked that I validate my loan information in order to receive their follow-up sales pitch! And how am I to know it's a sales pitch vs. a legitimate issue with my account until I've provided personal information? I understand that they need to validate whom they're speaking with but my mortgage servicer calling me and asking to validate my personal information for a marketing call ( which I've already refused ) is deceptive and insinuates that they're calling me about a legitimate issue with my account. I can confirm that there have never been issues with the status of our mortgage. I live in a " hot market '' so there's absolutely zero incentive for Freedom to stop this behavior unless the CFPB steps in and slaps them on the wrist. I'm already coughing up thousands of dollars a month to Freedom Mortgage : I shouldn't have to endure their incessant greedy shake-down on " additional services. '' I appreciate the Bureau 's attention to this matter. 

XXXX XXXX
Consumer complaint received 2018-05-16
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. (AL)

I contacted Experian on XX/XX/XXXX about a medical collection account recently placed on my credit report from XXXXXXXX XXXX XXXXXXXX ( XXXX ). I disputed the collection in my explanation and asked that the account be removed from my credit report. Experian responded : " The company that reported the information has certified to Experian that the information is accurate. '' The account was not removed from my credit report. On XX/XX/XXXX, I submitted a claim against XXXX with the Consumer Financial Protection Bureau ( CFPB ) in reference to this matter. XXXX  in their response to the claim has now requested that the collection account be deleted from my credit reports, follow up required. Note : According to the National Consumer Assistance Plan ( XX/XX/XXXX ) in which the credit reporting agencies ( CRAs ) established, they would no longer include medical debts identified and furnished by collection agencies when the date is less than 180 days after the delinquency. I received a debt letter dated XX/XX/XXXX from XXXX   and I immediately responded via phone and letter to the office disputing the validity of the debt.
Consumer complaint received 2018-05-16
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. (IL)

Experian is reporting items on my credit report that are result of identity theft. I am victim of a organized crime ring where crooks stole my identity to obtain loans, credit cards and other things. I supplied Experian with a police report ( that I completed in person with a police officer at the police station ) and my FTC ID Affidavit which was signed by the same officer at the police station ( in person ). 

Experian deleted one account that was mentioned in the above legal documents. There are other accounts they did not remove which is a violation of my consumer rights. According to the FTC and FCRA, if a ID theft victim submits a ID Theft Affidavit that is signed by a police officer, CRA 's by law are required to block the noted accounts withing 4 business days of receiving notice. 

I spoke to XXXX at Experian 's XXXX, TX office who's part of " XXXX XXXX '' yesterday. She informed me that my police reports and ID Theft Affidavit were being verified by Experian 's security department. She then went on to say once the documents are verified they will block the noted accounts. Experian verified my reports yesterday evening however only blocked one item that was mentioned in the legal documents and not the other accounts. 

Not to mention, the accounts that they did not remove are not complete ; they are all missing important data such as incomplete payment histories, no monthly payment, statuses listed as " unknown '', balances left blank and much more. These errors causes my credit score to suffer and does not paint a complete picture to creditors of my credit worthiness. This in turn will cause me to not be approved for credit and/or receive higher rates and costs than usual. 

At this point I am starting to believe Experian is purposely being non-compliant and negligent, which is all grounds for a civil lawsuit pursuant to FCRA section 616 and 617. I am at my wits end, if these accounts are not removed immediately I will be left with no choice but to file a civil lawsuit in my county naming Experian as a defendant. Please note that if it gets to this point I will be inluding and asking for compensation for every error Experian has made on my credit report within the last 5 years- which is A LOT! I will also submit a FTC complaint and contact the Attorney General in both our states to rectify this problem.
Consumer complaint received 2022-03-05
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: Experian Information Solutions Inc. (DC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and XXXX XXXX  XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (SC)

I have been making on time payments to XXXX XXXX XXXX Jared 's and they are not reporting to my credit report at all. The company has been saying that they are reporting to my credit file but it is not there.