davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
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. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXe of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXXXXXXXXX XXXXate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXXate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Location Services Holdings, LLC (IL)

Refinanced my vehicle with AutoApproveXXXX XXXXn XX/XX/2021 which was a nightmare in and of itself with terrible interactions with everyone at the company. Took 4 weeks instead of 2 days like they promised with a lack of professionalism in each conversation that's hard to imagine being worse. 

As part of the refinance they needed to issue a new title and paperwork so I can get a new license plate in the state of IL. They told me I would receive the paperwork and title no more than 10 business days after the closing. It's now mid XXXX and I've called/emailed weekly and asked for updates on when I can expect my paperwork, as I'm now unable to drive my vehicle as the title and license plate are not valid anymore. 

AutoApprove is a scam, have unhelpful employees, and are incompetent in delivering the contractually obligated items within their contracts.
Consumer complaint received 2021-11-17
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: LEXISNEXIS (MO)

I have previously filed a complaint against Lexis Nexis ( who I obtained a security freeze with on XX/XX/21 ) for providing XXXX information about me in the month of XXXX. I have not received any correspondence back from Lexis Nexis concerning the matter. After speaking with a rep at CFPB I was made aware of a letter that Lexis Nexis sent stating they did not receive identifying info from me. This is false as I have e-mails to prove correspondence and proof that I sent them the ID info they asked for. They sent a letter stating they did not know what I was talking about when confronted with the information they shared with XXXX. I am now filing a new complaint due to info I received from XXXX on XX/XX/21 ( the day before their response letter to the CFPB ) letting me know that they had obtained third party public record information on me from Lexis Nexis. This is against the law!!! The CFPB has VERY CLEARLY laid out the guidelines by which entities may obtain info on consumers that have a security freeze. Lexis Nexis should know the credit bureaus ARE NOT included in that category.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I called and spoke to Capital One and I explained that I had to close my checking account due to fraudulent activity and I called when i realized that a payment was about to come out I told the representative about the situation and she told me that I will still be charged a late fee and return fee and this is total unacceptable when I tried to let them know what was going on and the next day I paid the {$65.00} on next day so I have been charged a late fee and also a return fee and I know for certain that this is wrong and no one is willing to help at this trying time something needs to happen I feel like everyone is XXXX can agree that Capital One is a scam with all the interests and fees they are charging
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (AZ)

I incurred financial losses by using XXXX to apply for a mortgage purchase on a single family home. The main issue I dealt with is the loan officer assigned to me has been out of the office for the last 10-15 days on a family emergency, which is understandable.. however the last 10-15 days is a critical time to gather all necessary documentation and explanations to underwriters to close. Better, didn't assign me another loan officer to facilitate the transaction, and now I will not close on time and will lose my contract on the home purchase. This has not only cost me valuable time ( which is much more valuable than money ), but also a portion of my non refundable earnest deposit on the home and the appraisal cost charged to me by XXXX Had they cared about me as a consumer and assigned me a proper and available loan officer we would have been able to close on time and I wouldn't have incurred any losses throughout this transaction. Competent Loan officers are critical to the closing of loans to provide explanations of to underwriters, when they aren't available theres not way for the consumer to speak with the underwriters due to current loan regulations. It is my belief had they provided me the necessary personel we would have closed on time with no issue.
Consumer complaint received 2021-11-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi I've been asking the bureaus to look into the accounts below and I tried to send a follow up letter as well. No response or update. 

Letters were sent XX/XX/2021 and XX/XX/2021 accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (AR)

On XXXX I had received an email from Regions that my account had been accessed from another device. I called XXXX the next day and was told I would need to go to a branch with my identification ( I waited on hold for one hour and 20 minutes ). The next day, Tuesday XX/XX/XXXX I went to the XXXX branch and asked for help by the branch manager. She said she was expecting someone and to have a seat and XXXX XXXX would help me shortly. After XXXX got off the phone I asked her if she could help me, she said sit down, I told her I would rather stand due to back problems. She then said very loudly, well if you want the whole branch to hear your information then go ahead. I walked out at that point. I tried calling the branch back and she answered and said if you are waiting on an apology thats not going to happen. I tried talking but she kept yelling. I hung up. Three days later I received a letter from that branch that they were closing my account in 2 weeks! I called and left messages but nothing! Something needs to be done about the rude employee at Regions Bank on XXXX XXXX in XXXX XXXX, AR.
Consumer complaint received 2021-11-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I've been asking the bureaus to look into the accounts below and I tried to send a follow up letter as well. No response or update. 

Letters were sent XX/XX/2021 and XX/XX/2021 accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUSTMARK CORPORATION (MS)

I know I was behind on my mortgage payments. XXXX XXXX time XXXX tried to contact my place of employment pretending to be XXXX payroll department, trying to get me to return there call. Now i have tried to pay XXXX payments and was blocked on web site from doing so, then called company to pay and they are trying to tell me they won't accept my XXXX payments and then hung up on me. Then every time I called back they kept hanging up on me. Left message with Manager and no return call. They don't want to take payments, then they are not taking my house. I had trouble with them taking payments before and fixing credit as well as correct date paid.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my XXXX.
Consumer complaint received 2021-11-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent and still, inquiries that are found on my report are still reporting in my account. However, any modes of response or coordination were not taken on their end, Please investigate and Remove those inquiries. The Equifax XXXX have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-04-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I left The XXXX at XXXX XXXX, Florida because of the danger of that environment increasing each day they let the XXXX move in to these unfinished apartments. On top of unfinished the crime rate exponentially grew the time i was living there. After the little child was XXXX in the playground I couldn't support living there any further. The collection has long since been removed from XXXX  Experian just has it out for me ...
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (CO)

Hello, I have made four requests with Gemini.com starting on XX/XX/XXXX to solve this issue but there has been zero response from the company via phone or email other than automated emails saying they will get back to me. 

The problem is they are not allowing me to withdraw or transfer any funds due to a technical glitch ( I believe ) and I need these funds. The current value is approximately {$22000.00}. 

I do not know who to contact since the company will not respond in any way. My email on file with that account is : XXXX and I have a full verified account and have completed all KYC over a year ago. I have used this account for over a year to buy crypto without any issues but when I want to take the crypto out I have this problem. 

The company also continued to withdraw funds from my bank even after cancelling auto draft but I was able to solve that ( I think ) by contacting my bank, XXXX, and they put a stop to all transaction with Gemini.com Please respond via the email in this message. 

XXXX
Consumer complaint received 2021-11-17
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (IN)

We fell behind on our mortgage and signed up and were approved for a hardship program. During this time, they reduced our payment to XXXX, down from XXXX. We were told to do a loan modification while we continued with this payment amount. Huntington never reported any of my payments, causing my credit to drop drastically. Now they are stating that I am behind several months because the amount I was paying would not cover the amount due. The loan modification terms just become official this month but they never even discussed the terms with me. Every time I tried to contact them, they said they were behind due to covid. My bank shows payments every month but they did not report. 
In addition to the credit reporting, my new loan was nearly 25k higher than the original and my payment didn't decrease to what they said it would be. They have added almost 40k worth of late fees. Noone will talk to me to break this down. I've attempted more than a dozen times but always get the run around. The gentleman in charge is named XXXX XXXX. He has never contacted me. The terms of the new mortgage were sent out XXXX weeks ago and I had XXXX days to accept. I accepted put of fear of losing my home.
Consumer complaint received 2021-11-17
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 — Was not notified of investigation status or results
Company: Convergent Resources, Inc. (PA)

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX XXXX and I have not received a repsonse. I did my research and I am for sure that they have XXXX XXXX to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AZ)

On XX/XX/2019 at XXXX I was contacted by a XXXX  man named XXXX claiming to be part of National Credit Systems , Inc . He told me some information about me like the last four of my SSN, my car make and color, my security deposit amount at my previous apartment, and my previous address. He then said I had an outstanding balance of {$890.00} still owed to my apartment complex I had moved out of at the end of XXXX. I had settled this balance with my apartment company previously and my check for the amount he stated minus deductions made by the apartment manager had been cashed already. The man tried to get me to give my credit card information over the phone to pay for my outstanding debt, which would supposedly help me avoid a hit on my credit report. After hanging up and calling my former landlord, I have no outstanding debt to them and they reported to me they never filed for collections or bad credit against me.
Consumer complaint received 2021-11-17
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 — Was not notified of investigation status or results
Company: OneMain Finance Corporation (PA)

I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX XXXX and I have not received a repsonse. I did my research and I am for sure that they have XXXX XXXX  to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

My mortgage was sold to SunTrust in the summer ( XX/XX/2021 ). I repeatedly called them over the summer to get my account number. They provide no way to communicate other than via phone and all calls have taken more than an hour each time with multiple holds and wait times. 
I only received my account number in the fall. I am not able to pay automatically by phone so I have to wait on hold to make a payment. I sent in forms to pay every XXXX weeks. They did not process these forms and assessed a late fee. I received an email ( that I can't reply to ) and a paper letter with the late fee XX/XX/XXXX -- after the fee was assessed. They did not communicate before the fee was assessed. 

I tried to log on to my online account and was blocked. I spent over an hour and XXXX minutes on the phone to get a person who could help me. For every service I request ( one-time payment, reoccurring payment, filing a complaint ) they put me on hold and make me wait. 

There is no way to communicate via email. I have no online access, phone communications require well over an hour of time for each item of communication. 

I believe SunTrust is abusing their customers by making themselves inaccessible and requiring hours of a person 's time to file a complaint.
Consumer complaint received 2021-11-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I disputed inaccurate information on my credit report and asked that the company provide proof showing my wet signature to me. They have failed to show me that proof and the items are still reporting inaccurately on my credit report.
Consumer complaint received 2021-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

In XXXX of XXXX I had XXXX at XXXX XXXX XXXX XXXX. Before my XXXX my insurance agent and I looked through my benefits to see what my responsibility would be and there was a maximum out-of-pocket expense of {$1000.00}. I had complications from the XXXX and ended up back in the hospital ( another {$1000.00} out of pocket ) and had a long recovery. After I recovered I looked at my bill and it showed I owed close to {$4000.00}. I called the hospital to inquire about my bill and was told that my lab work was sent to a lab outside my network so I had to pay for them as they weren't covered by my insurance. That didn't make any sense to me as I had no control over what lab my blood work was sent to. I was also told that my account had gone to collections so the hospital couldn't do anything. I never received any mail or phone calls from a collection agency. It's possible that they contacted me at first but I haven't heard anything from them for years. I assumed that the incorrect billing was fixed, re-submitted to my insurance company and paid. 
Recently I was refinancing my house and saw my credit report and saw that these charges were not only still on my report but that they've been charging me interest. I called Progressive Management to inquire about the debt and told them I'd be happy to pay the {$2000.00} that I owed. They said they couldn't negotiate with me or do anything because the hospital owned the account. This, after the hospital told me they couldn't do anything because it went to a collection agency. 
The charges are all from Progressive Management : {$790.00}, placed for collection XX/XX/XXXX XXXX originally {$550.00} XXXX {$3600.00}, placed for collection XX/XX/XXXX XXXX originally {$2500.00} XXXX {$940.00}, placed for collection XX/XX/XXXX XXXX originally {$670.00} XXXX So what started as incorrect billing in the amount of {$3800.00} is now ( with interest XXXX {$5300.00}.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (CA)

If you have other complains on this company I will add mine. If not I will just charge it to bad experience. 

Fortiva Retail Credit open an unauthorized/ declined credit card application and send payment of {$2500.00} to a merchant.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (FL)

Paid off loan with company in XX/XX/2020. 
Despite me contacting through multiple platforms continues to report inaccurate information to credit report. Has cost me several mortgage opportunity as they continue to report that I owe almost full balance on this account and that it is still opened to all three major credit agencies.