davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc. (GA)

RateGenius made multiple " offers '' to lower the rate on my current auto loan. They had several offers with different rates and different loan terms. I chose to go with the 3.5 % rate for 60 months. I clicked the " disclosures and details '' tab and it gave a very detailed breakdown comparison between my current loan and what new loan would look like and how much I would save on my monthly payments as well as the overall interest savings over life of loan. It showed my current lender, exact current loan balance, current loan rate, how many months of payments I had left. ( My auto is brand new and I had 58 payments left on a 60 month loan ). It showed every possible data fact regarding my auto loan! They even had my Vin # on my vehicle. So I clicked the " TAKE OFFER '' tab. They confirmed my address, birthdate, and cell #. They did a hard inquiry on my credit reports. They sent me a text about an hour later that said " Congratulations! Your loan is approved! Call us! '' So I called. As soon as he was on the phone he said. " We will not be able to beat your current auto loan rate. That's a very good rate. We will be much higher! BUT, what we CAN do is refinance your loan for a lower monthly payment. How does that sound? '' A complete Bait and Switch! They had zero intentions of refinancing my loan or anybody elses loan at 3.5 %! They used a fake rate to trick me into makeing loan application. Just so they could get me on the phone with a loan officer and hopefully refinance my loan at a higher rate and a lower monthly payment. A complete waste of time with their very misleading " offers ''. They damaged my credit score! ( It dropped 8 points )
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2022-12-14
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. (GA)

I called the company and told them that this debt was not mines I also mailed them letters disputing this inaccurate information. 
XXXX I certified & mailed letters to each credit bureau reporting this inaccurate information asking them how they came about this information.

I also showed proof that this account was previously deleted and I provided the report # associated with this information.

They continue to report and revolve PAST DUE on a collection that has already been disputed. They have not provided me with my signature on any of the accounts that they say were verified.
Consumer complaint received 2022-03-19
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. (PA)

In accordance with the Fair Credit Reporting Act 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, 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 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Currently, I pay {$XXXX} bi weekly to the auto loan company but the company is continuing to report my payments as XXXX days late. My bi weekly payments are made on time but my credit report does not reflect these timely payments. If the company agrees to a payment arrangement then the credit report should reflect accordingly. Its a mis-representation of the agreement between myself and the auto company.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. I have already sent the required/necessary files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Please update the accounts that are erroneous in my report. 
XXXXXXXX XXXX XXXXXXXX Balance : {$64000.00} XXXX XXXX XXXX Balance : {$380000.00}.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

The account being reported by XXXX XXXX, XXXX is not valid. The XXXX XXXX  credit card for {$790.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX  XXXX  who both billed for the insurance and offered it from the beginning. XXXX XXXX  received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX  is in breach and XXXX XXXX, XXXX is attempting to collect a invalid debt.
Consumer complaint received 2021-03-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

Through loss mitigation at Loancare, I applied for a mortgage modification. After submitting all required documents including a quick claim deed which showed the removal of the co-borrower on my house, I received written notice of the application being complete as of XX/XX/XXXX. 
I was notified on XX/XX/XXXX that I was approved for a trial payment plan. This notification had the co-borrower 's name omitted. 
After successfully completing trial plan my modification was granted and I continued to pay my mortgage on time each month. 
In XX/XX/XXXX I was telephoned by Loancare and a representative stated that I did not return signed & notarized agreement. This was incorrect as I have the postal receipt. I called to follow up several times constantly being told someone would get back to me, this never happened. Finally after asking to speak to a supervisor who seemed very friendly and helpful I was told the co-borrow needed to sign agreement or submit proof of new deed and any other documentation. I complied and the matter was completed or so I thought. I called to make my XX/XX/XXXX payment and was told it can not be accepted. Several calls to Loancare went unresponsive as I was again told someone would get back to me. I then receive a letter stating my mortgage modification is denied and I haven't made a payment since XX/XX/XXXX which is a False Claim. Loancare breached this contract, made false claims and failed to respond to repeated request for information. Please assist as I acted in good faith and was forthright as per this agreement however I was not met with the same treatment. I'm now being forced into a pending foreclosure litigation. I thank you in advance for your assistance.
Consumer complaint received 2015-07-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MO)

Approx XXXX XXXX 2015 I made complain against America Service Company I applied for loan modified and the paper work continue to get misplace from the Agency. I was never told they denial the claim, I began with a new Contact and they continue to ask for additional paper work I send the paperworked requested, When I ask XXXX the reinstatement amount he told he could not tell me and that home was not in foreclose status, after final talking with customer service, they said it was but could not give me a amount. I think the Company does not have any intention to help the consumer.Conflicting information.Omb # XXXX previous claim.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (VA)

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit repor The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. 


The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2020-11-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (CA)

I have two issues with BBVA USA 1.My financial advisor XXXX XXXX and XXXX XXXX from BBVA Compass start managing two of my Life Insurance in XXXX XXXX.1 Insurance company XXXX, Policy number XXXX, Beneficiary XXXX XXXX Trust , Face amount {$15.00} XXXX XXXX 1.2 Insurance company XXXX  XXXX, Policy number XXXX, XXXX XXXX XXXX XXXX, Face amount {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX / Tel. XXXX Building / XXXX XXXX XXXX, XXXX, CA XXXX / XXXX  XXXX XXXX, XXXX Senior Vice President | Financial Advisor III BBVA Compass INVESTMENT SOLUTIONS, a division of BBVA Securities Inc. 
Tel. XXXX XXXX XXXX - Fax XXXX XXXX XXXX - Mobile XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Right now financial adviser XXXX XXXX and XXXX XXXX any officer of BBVA Compass dont give my any informations about my Life Insurance They close my collateral account {$1.00} XXXX XXXX I did not receive any money back and they control my two Life Insurances Please help me return my Life Insurance 2.BBVA USA close my account XXXX stole {$710.00} and i filed complain to FDIC Here is email from FDIC XX/XX/XXXX Ref. No. : XXXX Re : BBVA USA ( XXXX XXXX  ) Dear XXXX XXXX : Thank you for your correspondence, which was received by the Federal Deposit Insurance Corporation ( FDIC ). 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System. 

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Website : www.consumerfinance.gov XXXX : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Telephone : ( XXXX ) XXXXSK-FDIC Fax : ( XXXX ) XXXX cc/enc : Consumer Financial Protection Bureau
Consumer complaint received 2019-06-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION (IL)

I received a phone call from a lady this morning at XXXX XXXX- it was the number of our city building- she stated that she had tried to serve me at my XXXX address but couldn't get me so she was at the city clerks office in XXXX and was going to serve me at my work if I didn't call XXXX-XXXX-XXXX and give them ID # XXXX-XXXX. I called XXXX XXXX  building and they said that no one was there to serve and they hadn't called me and she didn't know how they made it look like it was from XXXX of XXXX. She told me that they are going to turn me in for fraud for giving a bad check and they were going to my place of employment. 

I called the XXXX number after speaking with the city- the lady there told me that they were XXXX and XXXX XXXX office and they were suing me today if I didn't make the payment. That I had committed fraud and that they would serve me. I told them I wanted written proof of the debt and she told me they wouldn't provide me with it and that I would be served and the paperwork would be in that. She told me that they will go to my job- I told her I do not work there anymore and she said they'll go there to verify and then they'll find out any job I go to in the next 6 months and will serve me there if I don't pay. She said I owed XXXX but with fees and the 300 % interest I now owe XXXX and if I didn't pay today they are serving me and my job.
Consumer complaint received 2022-09-07
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. (PA)

Hello my name is XXXX. Ive been in the process of trying to start a new business and haven't been able to due to this un accurate information on my credit. I am writing to delete this information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Comission 's Identity Theft Affidavit. Please delete the items as soon as possible so that I am able to move on with my life, thank you.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Requested validation of debt. I keep on receiving notification that the debt has been validated. I have sent several request for validation and have not received any thing. This collection account was added to my credit report on XX/XX/2019 and I never received any call or letter in the mail from this company notifying me of any debt owed. I have been fighting for a resolution and I am not getting anywhere. 

Company : XXXX XXXX XXXX XXXX opened : XX/XX/2019 Amount : {$730.00}.
Consumer complaint received 2020-11-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized loan servicing committed identity theft and fraud when they stole my identity and reported to all credit reporting agencies that a payment was made by me on a fake mortgage debt on XXXX XXXX by me and then sold the fake debt and fraudulent account without any verification for their Prior errors and blatant fraud to further the racketeering scheme for XXXX XXXX and XXXX XXXX to cover up its phony records it creates for XXXX and one XXXX XXXX aka XXXX XXXX after they cook the books for XXXX XXXX XXXX with crooked lawyers to illegally foreclose on my home and business with fraudulent accounting where Sls is fabricating false records on case XXXX ca XXXX in Florida to cover up the Fraud, XXXX XXXX has constructed for XXXX to steal my homes equity and extort me for money not owed because they create fake reporting and make fake payments and commit forgery, identity theft like on XXXX XXXX on my record to keep the fraud alive for XXXX, XXXX, XXXX and XXXX in XXXX so they can get money from the government share loss agreement and make false claims for damages and steal homes disguised as business as usual in violation of state Rico and false claims act laws And state penile code laws. I request a written response
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

This company is my current mortgage servicing company for the past 10 years or so, they took the servicing after my mortgage company went bankrupt during the housing crisis around XXXX. Now refusing to refinance my loan now. 
I lost my job in XXXX while I was on leave of absence due to XXXX XXXX, which pushed me in to financial trouble and was having hard time to pay the mortgage. I wrote to my lender about my situation and they modified my loan to an affordable monthly plan using then available XXXX  XXXX  's mortgage assistance program. They split my loan in to two portions. an interest free $ XXXX loan and a second loan for rest of the amount with 4.5 % interest. The officer in-charge for my loan at the bank explained that the $ XXXX loan will stay as a hidden loan without gaining any interest till I pay off the second loan. Or it will be due if ever try to sell the house, but refinancing would not be a problem at any time I want to, if I find any lower interest rate any time in future. That is when I signed the loan. 
Now that the interest rates are very low and when I tried to refinance the house, they denied. In the past 7 years since the modification, I was never late for any monthly payments. I kept a clean payment history/record. Due to my financial trouble then, I had to file bankruptcy, because of this, my loan is not reported to credit bureaus, which makes it harder to get a loan from another lender. The mortgage company trapped me in with this unmodifiable loan for rest of my life at this interest rate. I also have a very high interest HERO loan for the solar I installed on home. For almost five years now I am paying that high interest. I was just trying to combine the second loan with the HERO at the current available lower interest rate to lower my payment because I am going through financial trouble due to COVID-19. My wife just got leadoff from her job after 13 years of service when they shut down the refinery she works, due to COVID-19. 
Bank gave excuses from refinancing the loan and asked me to withdraw my refinance application without denying the loan.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

The account being reported by Portfolio Recovery is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX is in breach and Portfolio Recovery is attempting to collect a invalid debt.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-11-10
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. (KS)

The account being reported by XXXX XXXX is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.