davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: LENCO FINANCE OF CARENCRO, INC (LA)

On XX/XX/2018, I received a XXXX title loan from Lenco Finance. Extra charges were applied for credit life and accidental death insurance ... I asked if the loan was paid out early if I would be penalized. The answer was no and I would get credit for the unused portion of insurance. On XX/XX/18, 5 days later, I called for a payoff. They gave me a total of XXXX. I questioned the amount being so high and asked if I was getting credit for the 2 insurances they added to the loan and was told I was getting credit. I called the insurance company to inquire on what the refund would be and was told that I had to request a cancellation through the loan company and they would reimburse me the money. I called Lenco and asked for a printout that showed a breakdown on how they were calculating the payoff amount and was sent a printout that only showed the amount of XXXX as payoff. No indication of how this amount was calculated. I know it was a high interest loan but I knew I would be paying the loan off early to avoid the high interest charges. I understand that I incurred some fees but do not understand how they calculate that I owed them XXXX for a XXXX loan that I paid off in 5 days.
Consumer complaint received 2023-07-27
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. (MO)

I have filed a complaint with your agency in regards to equifax, and XXXX XXXX  sent me a letter stating they made error when submitting my information to all the credit agencies and they will contact them and have the issues fixed. XXXX corrected the error and updated my credit report. XXXX XXXX was aware they made the error because they recently received a payment update recently from XXXX XXXXEquifax has not removed a write off that is inaccurate with XXXX XXXX. The report states the account is closed and wrote off. This dropped my score over XXXX points for nothing. Please have equifax fix this because this has not been resolved. My credit report with them needs corrected. On the error the equifax report states that the write off with XXXX XXXX  was XXXX  years XXXX  months. I have only had this loan with XXXX XXXX XXXX XXXX for a little over a year. XXXX contacted equifax on the error they made. Equifax wont remove this error and correct it.
Consumer complaint received 2018-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (FL)

During the month of XXXX and XXXX, I requested stop payments on my accounts. I placed a stop payment for a transaction to insurance company to be stopped. Chase charged me the fee but still allowed the transaction to occur. I asked for the transaction to be stopped because I need to get my mortgage paid. I advised I would contact my insurance company and make a different arrangement. I was charged the fee and it still wasn't stopped. Apparently, the next few weeks it was very difficult to try to get a handle on my account to pay my debts, feed my family, and pay Chase. Chase would take my deposits to take care of the negativity on the account, I understand that. Yet, I asked for 3 stop payments on my account on XX/XX/XXXX, it was a Saturday. The rep read me the script and advised I called in enough time to stop the payment. I even asked her to look further electronically in the account, she said nothing was showing. However, when Monday came all three transactions came out of my account. I was furious because this was going to cause major issues in my account. I asked for the fees back since they didn't honor there script or service. The script says as long as I call before XXXX pm the transactions would be stopped. Nothing showed on Friday or Saturday of the transactions pending. Yet, I was told since it was pending to hit my account on Friday, they couldn't stop it. Also, Saturday is not considered a business day. NO ONE SAID THIS ON THE SCRIPT WHEN I ASKED ABOUT THE STOP PAYMENT. As a result of the stop payment not going through, I am negative over XXXX. Chase only wants to pay back there fees. I don't feel I should have to pay the full amount, I have paid XXXX per week faithfully but now they will not extend the account to allow me to pay what I can afford. I only make XXXX a week. They want to send to a collection agency. I feel like I am being bulldozed over by this company.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

I have recently submitted a letter to Equifax reporting agency to block the following companies in relation to Fraud. 
Company 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX In reciept of my letter submitted to Equifax on XXXX, the following documents were provided 1 ) Copy of my identity 2 ) Identity theft report filed with FTC 3 ) Fraud affidavit 4 ) Police report A written letter was sent to Equifax requesting that the Credit Reporting Agency comply with section 605 B of the FCRA, which requires them to block the fraudulent information in my credit file from the above mentioned companies resulting from identity theft within four business days. 

On XXXX I was notified by email stating my letter was received and I will be updated within 30 days. I called in to Equifax at XXXX A.M. CST XXXX to clarify that my letter was sent to request to block above creditors for fraud activity on my credit file. Explained that all documents has been submitted. Spoke with customer service rep ( XXXX ),  who informed me that it would take 30 days as well as email indicated. This complaint is to follow up with non compliance of credit reporting agency Equifax for section 605 B of the fair Credit Act.
Consumer complaint received 2019-07-29
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: Capio Partners, LLC (IL)

Basically, my name is XXXX XXXX XXXX XXXX My fathers name is XXXX XXXX XXXX My father had a XXXX XX/XX/XXXX and has been recovering every since.During his recovery he received anesthesia from XXXX XXXX of Illinois who billed him {$5400.00} but instead they billed me the balance. I was unaware of this and this should not have happened because we have different socials, addresses, birth dates etc. Since that point they gave the bill to a collection company called XXXX XXXX and now its been on my credit since XX/XX/2019. It has effected my credit drastically and I've been declined for numerous lines of credit and the refinancing of my vehicle and its stopped me from starting my own business and moving into a new house. I've reached out to capio but its still in limbo. I feel this is illegal and it blatant defamation and all parties involved should be held accountable.
Consumer complaint received 2019-07-29
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)

On XX/XX/2019, I initiated a SIMPLE dispute with Transunion regarding an incorrect credit card balance from XXXX. 

Since that time, 6 ERRONEOUS new hard credit inquiries have shown up on my Transunion credit report, dropping my credit score down to XXXX. Transunion will NOT process a new dispute on the FALSE inquiries until they are done researching my initial dispute of XX/XX/2019. It is now XXXX XXXX! This is damaging my creditworthiness. 

Furthermore, I have a medical emergency and asked for a credit increase with my XXXX XXXX account to cover medical costs. XXXX XXXX DENIED the increase based on other incorrect Transunion information on my report! ( Serious delinquency AND public record or collection filed in addition to Too few accounts currently paid as agreed! ALL of my accounts are paid on time!!! 
Please see the attached email from XXXX XXXX.
Consumer complaint received 2019-10-02
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. (CA)

I am writing to dispute a fraudulent charge on my account of {$20000.00}, {$200.00}, {$20000.00}, {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$20000.00} -This is not my account. 


2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

3. XXXX-XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


4. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I disputed inaccurate information on my credit report. 

A Bankruptcy came back verified stating the source as XXXX XXXX. 

I received a report from XXXX XXXX and there is not Bankruptcy listed by XXXX XXXX. 

I see that this is an obvious violation of my rights and demand the bankruptcy be removed from my report.
Consumer complaint received 2019-10-14
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. (FL)

THE DISPUTED ACCOUNT IS A PAID ACCOUNT THAT HAS BEEN SETTLED IN FULL, THE ACCOUNT WAS PREVIOUSLY REMOVED OFF THE CREDIT AND IT IS NOW A CLOSED ACCOUNT, AND I WOULD LIKE THIS ACCOUNT TO BE REMOVED OFF MY CREDIT FOR IT HAS AFFECTED MY CREDIT TREMENDOUSLY.
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MD)

I have been through an extremely difficult closing process with Quicken Loans Inc. NMLS XXXX XXXX and have had issues with my servicer of previous loan XXXX XXXX NMLS # XXXX. First they took over 6 months to process the loan. I understand that refinance volume is up but over 6 months is way to long. We eventually get to closing, and the first time we schedule closing my name is mispelled on the loan application. 

You would think that the underwriter would see that the loan application has my name incorrectly spelled since they had all of my income verification documents in file. I am guessing the underwriters at Quicken do not review anything. That is a concern. 

So the first closing was scheduled for XX/XX/XXXX with the incorrect name. We rescheduled the closing for the next day at a large inconvenience to my family. 

We planned to go out of the country on XX/XX/XXXX and the loan was expected to fund earlier in the week. The loan did not fund because something was signed incorrectly. I was not called or informed about this issue until I had to call in and figure out why the funds did not disburse. Once I stayed on hold for 1 hour I finally found out what the issue was. I had to speak with a few different people to figure this out. Mind you I was traveling out of the country that day. The stress of this situation was unfair to my family and people I was traveling with. 

Loan Disbursed XX/XX/XXXX, and I figured everything would be fine. I set up my automatic payment with Quicken and I thought that was it. 

On XX/XX/XXXX my wife the co borrrower gets an email saying XXXX has marked us 30 days late. So I call XXXX and they say they have no received the full funds to clear this loan of their books. 

After an hour and half hold the customer service agent at XXXX tells me that they never reached out about this. I call XXXX ( Quickens partner Title Company ) and they pass blame on Quicken and say " it is up to the lender to call me and let me know. '' They were not the title company I chose that was the title company they pushed on me from application. They told me on the phone that they tried calling me on XX/XX/XXXX to fix the shortage issue. 

I never recived a voicemail or a call. The pressing issue is that my credit and my wife 's credit is damaged because these companies did an awful job of communicating and if it was not for me calling each company I would have continued to be late. 

I do not think it is right that my loan is marked 30 days late when it was Quickens responsibility to pay off the mortgage with XXXX and when it didn't go through. 

The issue is due to a lack of communication inside of Quicken. The shortage in funds needed to pay of XXXX came from a incorrect escrow analysis. 

The funds for the closing of this loan were never sent back to Quicken from XXXX. They were notified on XX/XX/XXXX but no one wanted to call me to fix the issue.
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

My mortgage was transferred to NewRez Shellpoint in XX/XX/XXXX/XX/XX/XXXX. I made the XX/XX/XXXX and XX/XX/XXXX payments on time via electronic payment. I set up a recurring payment starting in the month of XX/XX/XXXX. When money was not drafted from my bank account, I checked the NewRez/Shellpoint website and the recurring payment had not worked. I paid the mortgage immediately. I was charge an {$85.00} late fee. I never agreed to any terms that I'm aware of regarding the late fee and did not pick NewRez/Shellpoint as my mortgage servicing company.

I tried to set up the recurring payment again in XX/XX/XXXX, but wasn't able to ( this time I believe because of the late fee that was on the account ), so paid the XX/XX/XXXX balance on time. I called in on 2 separate occasions to dispute the late fee charge and was told a complaint would be submitted and that they would reach out to me with the results via phone or email. They did not contact me. Upon calling in, I asked to speak to a manager and was told one wasn't available, but that the fee would not be reversed. Upon my 3rd or 4th time calling in, I was able to speak to a manager who accused me of lying, that the charge would not be reversed, and that I could submit a complaint via email, but when I asked who that email would be sent to, it was clear it would be sent to the manager I was speaking to.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (NJ)

My wife and I sent a letter to the mortgage company ( PNC Mortgage ) dated on XX/XX/XXXX, sent via United States Priority Mail asking the mortgage company to correct the problem. We received a letter dated on XX/XX/XXXX, stating that we were still obligated to the loan. 
My wife and I were not borrowers in the loan modification that was filed in XXXX, but my son was the only borrower on the loan modification.
Consumer complaint received 2018-05-25
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. (OH)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX XXXX Date opened>>>>>> XX/XX/2003
Consumer complaint received 2018-05-25
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. (OH)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX XXXX Date opened>>>>>> XX/XX/2003
Consumer complaint received 2019-10-14
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. (MS)

XXXX XXXX XXXX shows that an account was opened under my name on XX/XX/2018. I have never had an account with XXXX XXXX XXXX. I have disputed this on my credit reports. The company shows the account closed as a charged off account but they still show the reported balance being {$290.00}. They have remarks showing the account was previously in dispute - now resolved by data furnisher but I need them to show the reported balance XXXX. I have notified the company asking them to do this but they say there is nothing they can do. This {$290.00} on my credit bureau reports is keeping me from getting prequalified to purchase a house. I need this off my credit report as soon as possible because it does not belong to me.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed inaccurate information on my credit report. 

A Bankruptcy came back verified stating the source as XXXX XXXX. 

I received a report from XXXX XXXX and there is not Bankruptcy listed by XXXX XXXX. 

I see that this is an obvious violation of my rights and demand the bankruptcy be removed from my report.
Consumer complaint received 2019-10-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed bankruptcy back in XXXX, it was closed in XXXX. It is now off of my report. The bankruptcy I filed was Chapter XXXX and my mortgage and car were paid outside of the bankruptcy and to not be included. I paid both of those accounts on my one and was never late. I had to dispute XXXX XXXX XXXX which was my car loan because even though I paid always on time and paid it completely off they were reporting it closed -- bankruptcy. My mortgage in the amount of {$34000.00} was showing the same thing. I have filed disputes on and off since XXXX and have not gotten any resolve. My mortgage company XXXX XXXX  XXXX XXXX XXXX says they have never reported my mortgage in bankruptcy nor have they reported any derogatory marks against it. They are also saying they have not reported it closed. I have had to contact Trans Union several times about the account showing closed. Just recently after filing the dispute they added remarks to the account " Closed-Derogatory, '' and put reaffirmation of debt at the bottom. I called Trans Union and they told me it was not derogatory but XXXX is reporting it closed. I was told XXXX just sent them information on XX/XX/XXXX about the account and did not report it open. It doesn't make sense that I have been paying this mortgage since XXXX on time every month for it to report closed and derogatory when XXXX is not reporting it that way. Everytime I call Trans Union they tell me to call XXXX however, XXXX says they are not reporting my mortgage closed nor are they reporting it negatively. My credit score just recently dropped XXXX points thanks to the remarks added to my mortage on their report. Please help me get this issue corrected. It is so frustrating and not fair. If I pay my debt on time I should not receive negative remarks on my credit score.
Consumer complaint received 2019-05-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC (DC)

XXXX XXXX XXXX XXXX has been contacting me repeatedly. I informed the agent not to call me when during my work hours XXXX to XXXX on XX/XX/2019. On XX/XX/2019 they called me twice in the span of an hour and a half. 

When I called back, I requested information on the individual or entity that is claiming that I owe a debt. They agent informed me that it is coming from a contractor who worked at XXXX Hospital. I informed the company that I was insured and received no communications about the debt until four years after the fact. She informed me that my ability to dispute is over cause its past one year and that " I NEED '' to resolve this debt. She would not let me get off the phone and I had to hang up. 

They were unable to provide me contact information for the company that is claiming that I owe money.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Dear CFPB I would like to bring to your attention that transunion credit reporting agency are you conducting proper investigation! I recently asked them to conduct an investigation on inaccuracies on my credit report they sent me noticed via US mail stating that the account was verified and reporting correctly. So I reviewed my credit report I noticed that XXXX XXXX account was updated back in XXXX. My question is how could they verify a tradeline dated for XX/XX/2019. And the status update shows XX/XX/2019? This proves that their was no investigation conducted on transunion behave.see attached credit report. The FCRA clearly states that all consumers disputes must be 100 % investigated. In this case transunion has violated the FCRA as you can see factual base proof that they didnt investigate XXXX XXXX account and I would like for this account to be deleted immediately ( cfpb look at the status update still showing XXXX of 2019 lets keep in mind the credit report is dated XX/XX/2019 but yet in their comment the account has been verified. Nothing was done on transunion behalf clearly breaking the law! 
PLEASE DELETE THIS FROM MY CREDIT FILE DUE TO FAILURE TO CONDUCT A PROPER INVESTIGATION Sent from my XXXX