davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (IL)

Square deactivated my account in XXXX, and then sent me an email telling me that the funds would be released in 90 days. Two years later, Sqaure used the excuse of updating the payment contract on XX/XX/XXXX to withhold customer funds, which is obviously unfair and illegal. Please release my funds as promised in the original email.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AL)

All of my loans should have been forgiven. I have been a XXXX  in XXXX XXXX XXXX  for 14 years. XXXX XXXX, a critical needs area. The reason why I got into XXXX  was to get my loans forgiven, however that promise has not been kept. Quite to the contrary the capitalization of interest has doubled my loans, Even with a XXXX payment I can not get a house, or a car. But this is how we treat out XXXX
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX , XXXX. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. 

Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX , XXXX. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. 

Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX   XXXX XXXX
Consumer complaint received 2018-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

Trying to pay down loan to 78 % equity to cancel PMI, we submitted payment of {$42000.00} in XX/XX/XXXX and another {$10000.00}, soon to be {$20000.00} in XX/XX/XXXX. Instead of applying payment amounts to principal and current month payment, the servicer, Ditech Financial, has applied our payments to future mortgage payments both times. They even ignored additional payments I had scheduled and never posted them! On top of that they refuse to cancel PMI since we are already at 78 % equity of the original loan ( originated in XX/XX/XXXX ) unless we pay for a new appraisal and they get an official request. By law they are required to cancel PMI automatically when we are at 78 %.
Consumer complaint received 2022-08-28
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. (TX)

This is not a DUPLICATE report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXXXXXX XXXX  Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXXXXXX Account # XXXX
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 — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Ive reported to all 3 bureaus and all said closed account, now they updated to charge off/collection except Experian. How is there a balance on an account that was reported closed. Now its saying charge off/collection on 2 reporting agencies. ( XXXX and XXXX ) after XXXX deleted it first! Account was reported closed XX/XX/2021
Consumer complaint received 2018-08-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WY)

Submitted a new auto loan application on XX/XX/2018 which was approved at 3.29 % APR locked until XX/XX/2018. Contacted bank to issue loan funds on XX/XX/XXXX and was told that I would have to re-apply because settlement method changed from dealer funding to refi funding ( still for same new auto product ). Further told that bank would not honor locked 3.29 % APR, and instead APR was  given at 3.49 %. Asked to escalate request to honor locked rate, and was spoken to unprofessionally and escalation was refused.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive reported to all 3 bureaus and all said closed account, now they updated to charge off/collection except XXXX. How is there a balance on an account that was reported closed. Now its saying charge off/collection on 2 reporting agencies. ( transunion and XXXX ) after transunion deleted it first! Account was reported closed XX/XX/2021
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX  stated that this account would be corrected and or removed from my credit report. It has been 60 days and the incorrect information is still on my credit report. It has been over 7 years.
Consumer complaint received 2019-01-19
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. (CA)

On XX/XX/XXXX I paid {$20.00} for a certified letter to Trans Union containing a signed and notarized document, notary certificate and a Identity Theft Affidavit. 
On XX/XX/XXXX I received confirmation that Trans Union received my certified letter and it's contents. 

As of XX/XX/XXXX, I paid the credit monitoring website, XXXX a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Trans Union is still on my credit report. There are fraudulent/invalid addresses which are not mine. 

I have lived at my current residence in XXXX, Ca for over 10 years ( Since XX/XX/XXXX ) and I have never lived out of state.
Consumer complaint received 2019-01-19
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. (TX)

XXXX XXXX  stated that this account would be corrected and or removed from my credit report. It has been 60 days and the incorrect information is still on my credit report. It has been over 7 years.
Consumer complaint received 2021-04-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (OH)

I bought a XXXX XXXX XXXX XXXX and delivery was XXXX XX/XX/XXXX. We looked over the vehicle and saw it had animal scratches all over that was not disclosed in the pictures. We had tried to get this resolved for many weeks after, XXXX quoted {$6000.00} for fixing. XXXX offer us about {$1500.00} then {$2000.00} or we could return the vehicle. We chose to return. The vehicle was picked up XXXX XX/XX/XXXX. There was a charge on our credit card account on XXXX XX/XX/XXXX for charging at XXXX charger in XXXX. I have called XXXX almost every day since day of pick up to ask about loan being paid for original amount {$56000.00}. No one can help me and I go in circles and get transferred with no solution. I have now made {$4000.00} in payments and paid {$570.00} in interest. I would like this all paid back to me. The more time goes on the more money I am throwing away on a vehicle not even in my possession. I would also like the {$500.00} deposit back because there was false advertisement on the original sale of the vehicle. This loan is with XXXX XXXX. I do not understand why they have not paid this yet if its with their own company.
Consumer complaint received 2019-01-19
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)

XXXX XXXX  stated that this account would be corrected and or removed from my credit report. It has been 60 days and the incorrect information is still on my credit report. It has been over 7 years.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (WI)

Equifax has not provided a response to my credit dispute for over 30 days it has been almost 60 days since my dispute was sent for the XXXX XXXX XXXX and XXXX XXXX XXXXn credit card and XXXX  car loan accounts.
Consumer complaint received 2019-01-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CA)

American Education Services ( AES ) has been servicing my student debt ever since XX/XX/2007, for a total debt of {$110000.00}. 

In that time period, I have paid over {$77000.00}, but only have seen my principal drop by {$8100.00}. 

During this time, I have had some difficulties making payments due to job loss and other mitigating factors that have forced me to enter forbearance in a few occasions. A few times, I paid late fees ( totaling {$610.00} ). 

As of today, my total balance is now {$110000.00}, a full {$8000.00} higher than 11 years ago, despite paying {$77000.00} toward my debt. 

At this rate, I do not understand how I can pay my student debt ever. It is not clear to me how this could happen and why I owe more than I owed 11 years ago.
Consumer complaint received 2018-02-25
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: EQUIFAX, INC. (TX)

On XX/XX/, I went to a XXXX dealership ( XXXX XXXX ) to test drive new cars. The sales rep ( XXXX XXXX ) said they would need to run a soft pull to estimate pricing for me. I specifically asked if this would be a hard pull, and the rep assured me it would not. He said a hard pull would only occur if I decided to move forward with an actual lease. On XX/XX/, I received a notification from Equifax that a hard pull was indeed made on my account. 

I in no way authorized a hard credit pull on my account. The dealership fraudently asked for my information to conduct a " soft pull. ''
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT FOR ACCOUNT # XXXX THIS ACCOUNT HAS ALWAYS BEEN ON AUTOPAY ... PLEASE CORRECT THE LATES REPORTED BY XXXX ON MY CREDIT REPORT THAT WERE A RESULT OF A MERGER/ACQUISITION FROM XXXXXXXX XXXX TO XXXX. REMOVE, CORRECT AND RESOLVE THESE ERRORS WITH THE CREDIT BUREAUS IMMEDIATELY AND IN ACCORDANCE WITH F.C.R.A. RULES AND REGULATIONS
Consumer complaint received 2021-04-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC (CA)

We were transffered to Shellpoint Mortgage XX/XX/XXXX from XXXX Bank. In XXXX when we tried to pay full mortgage payment we were told we could not and that we had a loan modification from XXXX Bank. WE DO NOT HAVE A LOAN MODIFICATION FROM XXXX. THEY DENIED IT XX/XX/XXXX. We sent them the paperwork of the denial. We do not want a loan modification. When we tried to pay in XXXX the same thing happened. We were told if we pay the full amount, there would be a {$120.00} fee. I called Shellpoint XXXX and told them the issue. I talked to XXXX XXXX, then XXXX XXXX. XXXX I talked to XXXX XXXX. They all said they would research this issue. XXXX talked to XXXX. Called XXXX. XXXX talked to XXXX XXXX. She told me we do have a loan modification. Said she would talk to XXXX. Called XXXX XXXX. Left messages. XXXX XXXX wants me to write a dispute credit error. XXXX is now looking into this. I called XXXX, XXXX left messages. XX/XX/XXXX was told managers dont know, unique situation. XXXX XXXX ay he'll call this afternoon. I haven't heard anything since. In the meantime we are paying only partial payments and being told we don't have to pay anything till XXXX. I assume this is ruin our credit. I don't understand what the problem is. we do not have a loan modification and need to pay in full the amount due. Cerrtainly in 4 months this problem could be solved.
Consumer complaint received 2023-08-02
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)

This company is in violation of federal law reporting accounts that do not belong to me and that were opened fraudulently I have filed a police report sent in the copies of that report and a identity theft report copy company is to violation accounts include XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX these accounts are fraud and I will be taking legal action against this company for violating my rights
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I spoke with this collection agency on XX/XX/XXXX. I made them aware that I was not familiar with this account and I needed something to validate the amount owed and the other account information. They sent me an email that only listed their name and the amount owed. The lady on the phone said they were not able provide any further information.
Consumer complaint received 2018-02-25
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: CURO Intermediate Holdings (CA)

In XX/XX/XXXX, I learned that I had been a victim of Fraud for over 20 years. I was born in XX/XX/XXXX, and there had been accounts in my name dated as far back as XX/XX/XXXX, when i was only 6 years old, far before i could legally apply for anything. I immediately filed a 90 day fraud alert and had a credit repair service further investigate. They were able to prove to all companys ' for which had fraudulent accounts, inquires and background information in my name, that i had not opened or consented to any of these accounts and consequently all accounts were removed/deleted from my report, besides these 4 inquiries that remain on my report with XXXX. I have had two different credit repair companies, again, try to prove that i did not consent to any of the below listed inquiries, sending in disputes of the information at least 5 consecutive times. I eventually began to receive letters from XXXX stating that these companies would not remove the inquiries as they were found to be " a factual record of file access ''. Again, I state that this is not true, i did not consent to the below inquiries and I request that they be removed immediately. 

( 1 ) XXXX XXXX, XXXX ; XX/XX/XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX
Consumer complaint received 2022-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I read about deferring a payment with Bank of America due to Covid 19, I had had XXXX XXXX XXXX and asked if that would apply. I was told yes and was told all by phone that they would just tack the payment on at the end of my mortgage and that it WOULD NOT, effect my credit. Well that was a complete lie because they are now saying that I owe that payment now and it was in fact sent to the credit bureau. I have explained their mistake and they refuse to budge. I never would have deferred if I knew this to be the reality. Hoping you can help. Thank you in advance
Consumer complaint received 2019-01-18
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: Diversified Consultants, Inc. (FL)

I have attempted to correct this issue with XXXX XXXX XXXX. I have not done service with this company since last year and canceled the account with XXXX balance. for some reason they have sent this account to Diversified Consultnts stating that I owe {$620.00}. I do not owe this amount.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the accounts XXXX XXXX XXXX , XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-09-08
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. (CA)

I did a credit report check through Experian, and it's lists an XXXX XXXX XXXX account that I've never used but states a balance of {$14000.00}. I have never used this account. I believe it is fraud.
Consumer complaint received 2019-01-18
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. (SC)

I reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( XXXX, Equifax, and XXXX ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX
Consumer complaint received 2019-01-18
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)

XXXX XXXX/XXXX  XXXX has been reporting the incorrect month and year of last payment made. They have been reporting the last payment made XX/XX/XXXX. The correct date for last payment made was XX/XX/XXXX. I will include my TransUnion credit report. XXXX XXXX  has been reporting this error for awhile. I would like them to at least consider making an update to the information that they have been providing TransUnion
Consumer complaint received 2023-08-04
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. (NJ)

All three credit reporting agencies that are registered as a LLC have no sign documents or authorization to be reporting anything on my credit report. I did not give authorized consent to Equifax, XXXX, XXXX if they continue to report negative items on my report I will seek legal counsel and file a lawsuit for defamation of credit reporting. 

I have consumer rights. 
The original creditors sold my information to a 3rd party debt collector without my written consent!
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. (CA)

Customer service would not help and take care of the negative inquiries reporting to my credit report - XXXX XXXX -XXXX  XXXX XXXX  -XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-02-05
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. (IL)

After submitting a police report and FTC Identity theft report the credit bureaus still have violated federal and state consumer protection laws and haven't removed the fraudulent accounts as of yet.