davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2019-01-19
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: Experian Information Solutions Inc. (TX)

I have written a request to Experian Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be removed.
Consumer complaint received 2019-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

XX/XX/XXXX-my husband and I took out a home equity loan with the then XXXX XXXX XXXX. XX/XX/XXXX-XXXX XXXX XXXX sold the loan to Beneficial, New Jersey ( XXXX XXXX XXXX ) and removed their lien from our deed. XX/XX/XXXX-we took out a new home equity loan with XXXX XXXX. XXXX paid the remaining balance to Beneficial. XX/XX/XXXX-we completed the payment of our loan with XXXX XXXX - XXXX  removed their lien on our deed XX/XX/XXXX-I found out that Beneficial is still listed on our deed with a lien. At that point I wrote to the now organization of HSBC-Beneficial XX/XX/XXXX-we received a letter from HSBC informing us that the problem is with XXXX. You will note that the letter I received was not signed by anyone. I went to our local bank to discuss the situation with them and was told that it is not XXXX, it is Beneficial ( HSBC ) that must remove the lien. So I started making phone calls, lots of them. I have faxed paperwork, I have mailed it and made several dozen phone calls to a variety of phone numbers. At one of the numbers I called, unless you know someone who works there a customer can not get beyond the answering system. Others just weren't answered or the system would answer and say " there has been an error '' and hang up. XX/XX/XXXX-I wrote yet another letter to the same address in XXXX XXXX, IL as before, in XX/XX/XXXX. I have not received a response as of today, XX/XX/XXXX. I am enclosing a copy of all the documentation I have for this as well as my letters.
Consumer complaint received 2019-01-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bridgecrest Acceptance Corporation (VA)

I refinanced my car with Bridgecrest through XXXX XXXX. Everything was fine and seamless. Out of nowhere, after accepting XXXX 's money, Bridgecrest is refusing to send XXXX the title for my XXXX XXXX XXXX. They are saying they don't want the payoff from XXXX. However, they already took the money. I have already worked with my new credit union and everything making payments.
Consumer complaint received 2018-09-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

I AM APPLYING FOR HARDSHIP ASSISTANCE WITH MY LENDER FREEDOM MORTGAGE. THEY ARE REQUESTING FOR MY XXXX TAXES, I HAVE LOST MY 1040 'S AND HAD TO CONTACT THE IRS TO REQUEST FOR A COPY WHICH THEY PROVIDED MY TRANSCRIPTS FOR XXXX AND XXXX. I HAVE SENT THEM TO MY LENDER AND THEY ARE STILL REQUESTING FOR MY TAXES, I HAVE CONFIRMED THAT THEY HAVE ALREADY RECEIVED THE TRANSCRIPTS VIA EMAIL AND THE REPRESENTATIVE THAT I WAS SPEAKING TO TODAY STATED THAT HE DOESNT KNOW WHAT TRANSCRIPTS ARE!! THIS IS INSANE! HOW DO YOU LIVE IN UNITED STATES AND NOT KNOW WHAT IRS TRANSCRIPTS ARE, HOW CAN FREEDOM MORTGAGE HAVE AN UNDERWRITER ON STAFF THAT DOES NOT KNOW WHAT TRANSCRIPTS ARE!! I LITERALLY HAD TO EXPLAIN STEP BY STEP WHAT TAXES ARE FROM 1040 'S ALL THE WAY TO TRANSCRIPTS FROM THE IRS!! 

IT IS APPARENT NOW THAT FREEDOM MORTGAGE IS DUAL-TRACKING AND I WILL NOT TOLERANT THIS IGNORANCE. IT IS NOT MY RESPONSIBILITY TO TRAIN FREEDOM MORTGAGE UNDERWRITERS AND EMPLOYEES TO RECEIVE HARDSHIP ASSISTANCE.
Consumer complaint received 2022-08-28
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. (OH)

XXXX XXXX is reporting on all 3 of my credit reports I never have opened any accounts with XXXX XXXX I reached out to XXXX XXXX asking them to remove this account from my credit reports. They were unable to locate any accounts with any of my information. Was told they are a prepaid card and dont report to credit bureaus but yet they have a account posted on my bureaus that is negative affecting my credit
Consumer complaint received 2019-01-17
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)

s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Consumer complaint received 2022-08-28
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. (OH)

XXXX XXXX is reporting on all 3 of my credit reports I never have opened any accounts with XXXX XXXX I reached out to XXXX XXXX  asking them to remove this account from my credit reports. They were unable to locate any accounts with any of my information. Was told they are a prepaid card and dont report to credit bureaus but yet they have a account posted on my bureaus that is negative affecting my credit
Consumer complaint received 2021-04-13
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. (NV)

Myself and the creditor have tried numerous times since XX/XX/XXXX to correct an error on my report. The creditor submitted XX/XX/XXXX to Transunion via their system " e-oscar '' for the account in question to be " deleted '', which is what the banks Transunion rep advised ; it's now XX/XX/XXXX. The creditor has tried several times in the past as well, and I have disputed it through my Transunion account, which I pay {$24.00} per month to use/monitor. Today Transunion says they have no record of any requests to correct my file ; it's been almost a year! Additionally, while logged into my Transunion account, the site I pay for, virus threats pop up on every page. I tried to talk with someone who handles their website and she disconnected me!
Consumer complaint received 2019-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: De Lage Landen Finance, LLC (VA)

On XX/XX/XXXX, we purchased a tractor from XXXX XXXX on an installment loan for $ XXXX/mo for 84 months. We paid {$10000.00} down and have made 30 monthly payments in the amount of $ XXXX/mo.  We initially received payment books from the finance company, XXXX XXXX, however, have received no monthly statements, no year-end statements, no letters, nothing ... since the inception of the loan. 

Today, XX/XX/XXXX, I called to get a payment history/statement, showing interest and extra payments applied, and was told that information is not available. They can only provide a payment history that shows a simple date and the amount paid, with no interest calculations or extra payments applied. I already have a simple list of dates and payments I have paid. I asked to speak to a supervisor, and was transferred to XXXX XXXX, and was told that I need to educate myself on how agricultural loans work. She said they do not have to provide me any breakdown information, that I am responsible for 84 payments in the amount of {$250.00} regardless of the extra payments I have made. The only thing they can provide is an amortization schedule of the original loan plan, not one for the actual payments that I have made. She said that if I need that level of detail, I will have to contact my own accountant and have them figure it out for me! I was completely blown-away by this finance companies standards, or lack thereof. 

I would like a full payment history of my account, including all monthly payments, monthly interest applied, and how extra monthly payments were applied to the loan, so that I can determine if there is a discrepancy in the amount still owed. 

Thank you.
Consumer complaint received 2023-07-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Collection Services, LLC (NY)

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 Since I was covered by XXXX as well as a second insurance, I expected similar payment as XXXX from other suppliers. Since I received no bills from other suppliers, it was assumed that the payment would work through the system at a slower pace. 
A review of my credit report showed that that this bill remained unpaid and had been forwarded to the collection agency. In attempts to remove this item, the original company was contacted but the certified letter was refused. The collection agency was then asked for validation of the account with signatures, etc., and this request was ignored. They simply sent a new demand, and have recently begun phoning me with the usual spiel about using all information in pursuit of their money. 
A representative of the insurance company stated that the request for payment might have been incorrectly coded resulting in a pay request to the individual for {$1500.00}. It is now too late for any action by the insurance company
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I got my Transunion credit report XX/XX/2020, no problem. Every time after that, I have to call Transunion to verify my identity, many times the XXXX is XXXX, demanding exactly what I want and why I am calling? They make if very very hard to get my Transunion credit report? Many times they do not answer the phone, just pick up the call and put me on hold and I have to call back?
Consumer complaint received 2019-01-17
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: AES/PHEAA (AZ)

Beginning XX/XX/XXXX and into XX/XX/XXXXXX/XX/XXXX XXXX began billing me without notifying me or sending me any bills. They did not call me, they did not email me, they did not send physical mail. I found out about the billing due to a 200+ drop in my credit score. I contacted XXXX through a conference call with XXXX  XXXX XXXX. When I told the XXXX Representative what had happened he was unable to provide me with any other information other than " we contacted you through your inbox ''. Upon informing him that I have not received any emails from XXXX he repeated the same statement over and over until he mentioned they were notifying me through their own messaging account system on the XXXX website. I did not have an account active on the XXXX website at the time of the billing period, therefore I never received any notifications. If there was an account under my name active on XXXX 's server it was created without my authorization or my knowing. I rated XXXX on the XXXX   website and they sent an unsolicited letter to my place of residence stating they were in the right and could not ethically reverse the negative reporting. I contacted XXXX on XX/XX/XXXX requesting an investigation, to which, they never replied. According to the Fair Credit Reporting Act XXXX can submit a revision to the Credit Bureau removing the negative reports from my credit report. I also know, under the FCRA, I can file for an investigation in dispute of XXXX 's error directly with the Credit Bureau with or without legal representation. The error being in violation of the Fair Credit Billing Act, XXXX did not properly contact me regarding my billing and therefore all submitted overdue debts were submitted in error. According to the FCRA XXXX is also obligated to resolve this matter and report back to me within 30 days. All of which XXXX has failed to do. Upon filling this complaint I tried to gather my billing statements and other information on my current XXXX web account, but all of the billing I did not know about have been removed by XXXX, but the delinquent credit report they submitted has not been removed from my credit report. They are clearly aware of the issue -or- have attempted to hide the problem preventing any possible reporting to the CFPB.
Consumer complaint received 2018-02-23
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. (MO)

I have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX  XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.
Consumer complaint received 2018-11-13
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. (TN)

I have disputed the late payments report on XXXX  XXXX. The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (CA)

I have taxes impounded on my mortgage which makes my monthly payment XXXX higher than my principal & interest payment. 

By law or regulation what is supposed to be reported to the credit bureaus? P & I or P & I & impound? 

I understood it to be the LOAN payment ( P & I ) that should be reported. 

XXXX ad Caliber confirmed on the phone that it's " up to the lender '' to report what they want.
Consumer complaint received 2018-02-23
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. (MO)

I have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.
Consumer complaint received 2019-01-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

I am the co-signer on my sisters student loan. She got behind on a payment and they started calling me instead of her. I promptly informed my sister and she contacted Navient and they said my number would be removed from the call list. They started calling again from a different number. When I spoke with them I asked if they had contacted my sister as i had in the past. They said they tried but could not reach her, but just like in the past my sister said they did not. She called Navient again and they said they are not sure how my number ended up in the list again and said it would be removed again. 24 hours later Im still getting calls
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (SC)

AMERICA First Credit Union is changing people 's long time holding checking accounts over to a premium checking account option without permission. I signed up and started with AFCU because of their member benefits and their free checking account. They are unethical, without permission, changing my account to something I did not agree to.
Consumer complaint received 2018-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX. has sold account to XXXX XXXX XXXXXXXX. This account was paid, and as a result it was removed from my credit reports. However, upon reviewing my reports today I see that it has been reinserted. It is against F.C.R.A. law to reinsert an item without notifying the consumer in writing ... I was not notified, and secondly, it is illegal to attempt to collect a debt twice ... I am appalled and quite discontent with this matter. 

I was informed by XXXX XXXX. that they did not verify this item, and that according to their records it was indeed paid in full quite some time ago. Furthermore, they informed me that it is inclined to be the erroneous XXXX   verification that the bureaus so often make use of. No contract exist and this inaccurate and false reporting again. Please remove and do not reinsert or litigation will surely follow ...
Consumer complaint received 2019-07-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

While reviewing my credit report from XXXX  and Experian, I noticed several medical accounts in collections. Ive called the collection agency which is XXXX XXXX  XXXX more than 30 times requesting verification/validation that the collection accounts  belongs to me. Each time the customer service representative I spoke with stated that they cant verify the debt. Ive disputed the collections accounts with Experian and XXXX  several times and each time it came back as verified. Ive also sent Method of Verification letters to both Experian and XXXX. The disputes was closed because it was verified as accurate. The two credit bureaus above refused to provide me with their Method of Verification for the collection accounts with Optimum Outcome listed on my credit report. According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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