davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Concord Servicing Corporation (FL)

XX/XX/24 I reached out to ConcordXXXX XXXX XXXX to request a deferment request as a result of a XXXX disaster which impacted the property. I have called 6 times since then and keep getting advised that they will follow up on it. I received an email stating the ticket was processed and closed but there is no decision on the request. I was just advised that now that the account is about 12 days late that when they get a response it may not be approved. Also, I would like to advise that based on the recommendation from the Company XXXX  that I obtained this loan they had me payoff an existing unsecured personal loan ( XXXX ) with the proceeds to provide another loan. I noticed I have an open XXXX lien for this account, but it should not be listed as such as the proceeds were used to pay off an existing unsecured loan by the agent.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2019-04-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pinnacle Lending Group, Inc. (TX)

I am a first time home buyer. I have never completed a mortgage application before. 
XXXX XXXX from Pinnacle Lending Group Inc never provided " Regulation B. '' My ECOA rights were violated as Mr. XXXX was very condescending and misleading when I attempted to educate myself on the process. I have been monitoring my credit for 1 year to prepare for the application process. I asked Mr. XXXX to provide the credit information as he advised my credit was a " XXXX per XXXX, '' however I was confused as I have an XXXX account that showed a " XXXX '' score. I just wanted to know how the numbers were 100 points off. He sent me a " consumer report '' wre I did not see a XXXX score ; only from a screenshot with another company 's name ( not XXXX ) with a XXXX score. After that, he advised me that I asked him to " change information on the credit report, '' when I never asked that. He did not want to explain the process as I believe he practiced overt discrimination. His information was outdated and advised me that " all my credit cards are maxed out. " This is not correct as the information he provided was from XX/XX/2019 and as well did not reflect a " maxed out '' credit card balance. Mr XXXX continued to be rude and treat me differently due to my race and gender. He was not willing to provide clear, concise and accurate information. I am not sure how to get a home if I can't track my credit score according to Mr. XXXX. I do believe the practices were unfair and I did not get a chance to be correctly reviewed for a mortgage. I am an XXXX XXXX single mother with XXXX children and Mr. XXXX discriminated against me.
Consumer complaint received 2016-07-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Legal Recovery Law Offices, Inc (CA)

i submitted a complaint and my Case number : XXXX. Today I received another letter from Legal Recovery law Offices and this time the plaintiff is XXXX XXXX XXXX , XXXX. 

I called the Law office again to verify what debt they are talking but the receptionist was saying I owe over {$10000.00} and she is not allowed to discuss over the phone than hung up on me. I have been harassed by the Legal Recovery Law offices numerous times. 

I just want it to stop.
Consumer complaint received 2019-03-20
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. (NM)

I have reported several accounts on my credit report as fraudulent because I am a victim of identity theft. I reported this through the FTC at identitytheft.gov and I have attached the report. I mailed the letter for Equifax about two weeks ago, and they have not responded or removed any of the information from my credit report.
Consumer complaint received 2022-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

Medical Revenue Service posted multiple collections on my credit report around XXXX of XXXX. I disputed these items with the credit bureaus and some items were not removed. Since I was in the process of building a home ; I felt I had no other option but to pay these false claims. I never received proof that the alleged debts belonged to me. I only received a statement that the debt was paid by Medical Revenue Service. Furthermore, during the time that they alleged that I owed them this debt, they were not licensed to collect debt by the state of Florida. This company was able to enforce such charges only because the Credit bureaus did not validate their claims. I never received proof that the debt was mine.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Both TransUnion and XXXX are reporting different information about account XXXX. I have not received anything verifying this account, but it is reporting in accurate. Both have different open dates, both have different last active dates, I have no payment history at all to verify anything! 

Please remove this account for being unverified and inaccurate!
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (FL)

Around XXXX/XXXX/XXXX I received an unsolicited call from XXXX XXXX, ( of Quicken Loans ) wanting to discuss refinancing my loan. He asked for permission to run my credit report I DID NOT GIVE HIM PERMISSION. I later found out that he ran it anyway. I filed a complaint with the company and wound up speaking to XXXX XXXX. He admitted that I did not give him permission, his defense was I did not tell to not do it. IT IS ALSO IMPORTANT TO KNOW THAT QUICKEN LOANS REFUSES TO GIVE ME A COPY OF THIS RECORDED CONVERSATION. I think it is obvious that the only reason they would n't provide a copy is that it would prove they lied. In an attempt to make this go away, I offered to not file a complaint if Quicken would refinance my loan with no cost to me. ( I had paid Quicken over {$5000.00} in closing cost on this loan in XXXX XXXX. On XXXX/XXXX/XXXX Quicken made an offer to refinance for {$7300.00} in closing costs which completely ignores my request. I started working with XXXX ( XXXX ) XXXX. She has demonstrated she has no desire to right this wrong. She told me to work with XXXX XXXX. He called and left a voice mail message, promising to call me the next day. HE DID NOT CALL AS PROMISED. When I complained to XXXX XXXX about the broken promise she had XXXX XXXX finally call me. After offering to PAY DOWN THE LOAN BEFORE REFINANCING ( remember they have the loan ) his offer was one with {$11000.00} OF CLOSING COST. 
I CAN BE REACHED AT XXXX. 
This is a serious complaint and I hope you will help me.
Consumer complaint received 2022-04-04
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MA)

sorry my grammar is not 100 % accurate!

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I  never took the delivery of the vehicle and its been on principal owner XXXX and XXXX dealership for day one due to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank Credit Acceptance several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and XXXX  reports as settlement accepted on this account or paid account/XXXX balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline from my credit report.
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (FL)

Monday XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX was towed due to me falling behind on my payments. 

I am self employed with XXXX children one of which is XXXX XXXX and I have had XXXX XXXX  within the last year on my service due to XXXX XXXX. I have had to be on bed rest at some point and time which did put me behind with my earnings and income. I have however regained strength enough now to work full time and continue being on time with my payments moving forward. 

XXXX XXXXXX/XX/XXXX I called kia around XXXX that morning to find out all details on the car and how i can regain repossession. I was told the balance I had to pay was {$2200.00} which was the fee for me being behind on payments as well as the fee for the towing. I immediately told them how serious this was for me to continue working and because I have kids I informed KIA MOTORS, XXXX XXXX XXXX XXXX XXXX XXXX ), as well as XXXX XXXX that I was serious about obtaining my vehicle as soon as I Could XXXX 

XXXX I exorted all my funds and borrowed {$1000.00} to pay the balance owed and attempt to get my vehicle only to be told by XXXX XXXX that my vehicle was taken to auction the day prior which was THURSDAY. I spoke to XXXX XXXX that day and he never mentioned that. 

I paid {$2200.00} to kia and my car is at XXXX XXXX  in XXXX until XX/XX/XXXX. I am very aware of the law and I know this can not be legal. I am current on my payments since I have now completely paid the balance. I have not received a bill of sales or any letter of attempt to sale my car at this auction. I am told I must pay this auction {$230.00} as well as pay for my expenses to take a trip to XXXX to obtain my vehicle which will inquire funds as well. I don't have a way or help to get to XXXX and it will be almost impossible to do so with my XXXX XXXX XXXX child. 

This has caused me a great deal or hardship and pain as I am exhausting funds using XXXX to get to where me and my kids need to go with no transportation and because I am self employed it is impossible for me to get to work destinations. I have no way to pay for my kia being at the auction. 

I am told by XXXX that kia would be able to assist with my car being brought back free of charge and that KIA motors should be responsible. I am begging for help in this matter as everyday is costing me that I can not make money. I have lost countless cleaning jobs and everyday I am spending money. Please help me. 

The damages and stress this is causing will make me become XXXX 

I have invoices everyday from XXXX when I was supposed to be able to pick up the vehicle showing that I will no longer get paid for missing those jobs. This has caused me to be behind on my rent as it is the beginning of the month. I have already received a letter to make payment or ill be taken to court for possession of the occupied apartment. 
This is not fair to me. Please help.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IN)

Mortgage account was closed and transferred to another lender. I have a good reporting status with this account for 16 years, but now account shows as closed. It was the longest reporting account I had, but now has negatively impacted my credit score by XXXX points due to closing status!
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I made a payment of {$500.00} to XXXX XXXX to bring my balance down to {$3200.00}. On XX/XX/XXXX after I made that payment XXXX XXXX reported I made an {$140.00} payment for the XX/XX/XXXX payment. It also still says my last payment was XX/XX/XXXX. I called XXXX XXXX and was told a ticket would be sent. I called back days later and was told there was never a ticket created and that I have to dispute the information with the credit bureaus. I disputed the information with Transunion on XX/XX/XXXX and XXXX XXXX LIED to Transunion stating I only made a payment of {$140.00} and my balance increased. On XX/XX/XXXX XXXX XXXX reports to transunion that the original information they reported was incorrect which is not true. I have proof on their provided statement that the balance is now {$3200.00}. I filed other dispute with XXXX on XX/XX/XXXX XXXX XXXX again lies and tells them the information currently on there is correct. I have called XXXX XXXX multiple times are every time I am told there back office handles that and there is nothing they can do. I have to keep filing disputes. I filed another dispute on XX/XX/XXXX with XXXX and they still refuse to update my balance. I filed another dispute with transunion on XX/XX/XXXX and that is pending. I just got off the phone with XXXX XXXX and now I was told I need to send them a request to have this looked at and it could take 30 days.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A few weeks ago I sent letters to all XXXX 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 2020-09-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

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 on my credit report it has been over 60 days so they 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 hands of the wrong person.
Consumer complaint received 2022-04-04
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-09-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent a letter to experian regarding inaccurate information on my report in reference to an account reported by advance collections bureau. According to the FCRA its a violation to report inaccurate unverifiable information. Its also a violation for this info to continue reporting if after 30days this account wasnt verified. Ive attached copies of my certified mail receipts, i have spend alot of money to resolve this issue please help
Consumer complaint received 2022-04-04
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-06-12
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: ID Analytics, Inc. (GA)

To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FinCo Services Inc DBA Current (MO)

There were charges on my card that were unauthorized. I had to file two separate disputes. I am supposed to get a provisional credit of XXXX because Im protected for unauthorized charges. I got the replacement card however the 10 business days is XX/XX/2020 and they still have yet to issue it.