davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I looked at my credit report and there was a XXXX XXXX account listed which I never applied for or received. my Identity has been compromised.I have notified them in the past that this account is not mine and I want it removed. This has been since XX/XX/2014.
Consumer complaint received 2018-05-07
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. (MD)

I am writing to request assistance with Experian. I believe that they are not actually investigating and verifying my accounts. I believe this to be true because after I submitted the same information to the other two credit bureaus XXXX and XXXX and after investigating them the accounts were deleted. I wrote Experian several times in the past four months regarding the inaccurate information on my credit report and they are refusing to remove it. 

My most recent letter to Experian states : XX/XX/2018 Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, The below accounts are inaccurate, out of date and the balances are incorrect. 

Based on your results, I believe that you have not investigated or verified these accounts correctly or at all. By law ( FCRA Fair Credit Reporting Act ) you are required to investigate consumer disputes and remove the accounts if they are found to any inaccuracies. There is no way you could have properly investigated and verified these accounts and they were deemed accurate. 

I am requesting that you actually investigate and verify these accounts for accuracy, and delete them, as they are incorrect. 

Creditor : XXXX XXXX XXXX Account Number : # XXXX Reason : Inaccurate. Out of Date. Incorrect Balance. 

Creditor : XXXX XXXX XXXX Account Number : # XXXX Reason : Inaccurate. Out of Date. Incorrect Balance. 


Creditor : XXXX XXXX XXXX XXXX Account Number : # XXXX Reason : Not mine. 

Creditor : XXXX Amount : {$18000.00} Account Number : # XXXX Reason : Inaccurate. Out of Date. Incorrect Balance. 

Creditor : XXXX Amount : {$21000.00} Account Number : # XXXX Reason : Not mine. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2023-03-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number : ( XXXX ) and has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing this letter because I have tried numerous times to request a credit limit increase for both cards of the Capital One cards I own. I have a Kohl 's store card as well as a Capital One card. After having both cards for nearly 2 years, I have not had one credit line increase, on either, even with my income increasing. I do not believe proper investigation or consideration is being done when requesting online credit increases. I know this for a fact because I requested a credit line increase less than a week ago and today, XX/XX/2018, I received a letter stating that one of my Capital One accounts was recently 60 or more days past due. In this case, I have pulled my reports from XXXX, XXXX, and XXXX to show that this statement is false. I would like for this company to please take that time to reconsider my account and increases. 
All personal information has been blacked out due to privacy.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # : XXXX, XXXX and has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CO)

Received an email from paypal indicated that I made a purchase in Texas for XXXX XXXX XXXX which I did not. 
Found out that someone had applied for a loan and were approved for a loan on my Paypal account and were making charges in Texas and XXXX. 
Was then completely locked out of my paypal account instantly. 

Called back from XXXX Told the only way to resolve the charges was to purchase XXXX XXXX cards for all 3 of the fraud transactions on the account to verify my location was actually in colorado. I received a text confirmation that they would be crediting my account for the gift cards purchased which never came through. 

They asked for more gift cards for the XXXX charges. and when I challenged them on this, they instantly disconnected the call each time. I am just an idiot for getting a gift card to begin with.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020, I tried to unfreeze my credit report on Experian. I went on their website and entered my PIN but the form did not recognize the PIN, so I selected another option to answer questions. After answering the questions, the website said I made errors and so I was not able to unfreeze my credit online or by phone ( I tried doing it by phone but I got the same PIN error message ). I tried again the next day XX/XX/2020 and got a notice on their website that they are having technical difficulties. I tried calling Experian to no avail -- they only have automated answering robots that do not help my case. The only option they are giving me from my online account is to send them documentation by mail, including utility bills, a copy of my driver 's license and social security card. I do not want to compromise my identity by sending all of this information by mail. I believe this is not a fair practice as it is not my fault that their website is having technical difficulties.
Consumer complaint received 2019-07-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

A payoff was requested from Carrington Mortgage Services apprx two weeks ago by XXXX XXXX XXXX XXXX XXXX XXXX to close on a refinance and Carrington has NOT and continues to refuse to supply the legitimately requested information which is having a NEGATIVE impact on the refinancing of the VA loan to a lower interest rate, additionally Carrington was given an opportunity to offer a better interest rate.
Consumer complaint received 2020-02-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (MI)

I previously submit a complaint about my early lease termination with XXXX XXXX XXXX. My complaint seemed to be resolved and I was told on XX/XX/XXXX that I basically do not have anything else they can possible bill me for. On XX/XX/XXXX, I had a XXXX dealership contact Kia finance to get my remaining payoff balance. My salesman asked Kia Finance for ALL fees, all balances so that way it can be rolled into my new XXXX lease. They gave them a pay off balance of {$2600.00}. XXXX paid that balance. Fast forward to XX/XX/XXXX, I received a bill in the mail for {$360.00} from Kia finance. I called Kia Finance and they told me my remaining balance was {$3000.00} so I am paying the difference of {$360.00}. XXXX specifically asked for ALL fees, ALL remaining balances so why am I stuck with an early termination fee? After contacting Kia finance, this was not resolved and I was told it would be easier to discuss the fee with my XXXX salesman. I called my salesman at XXXX and he had no problem calling Kia to sort this issue out as I should not have ANY bill from Kia finance. Thankfully, Kia finance records calls for quality assurance but when requested by my XXXX salesman for the call to be pulled to show Kia finance that he specifically asked for ALL FEES AND ALL BALANCES, Kia finance said they are not able to pull the call but a manager can do a manager will be in contact with one of us. I have not received a phone call. My salesman has not received a phone call. To my knowledge, I still have a {$360.00} bill from Kia that I absolutely will not pay until that phone call is pulled for proof that they were supposed to give this balance to XXXX. I can not believe the amount of XXXX I have had to deal with during my first lease with Kia. My  salesman from XXXX is completely baffled at this company. The only way this will be resolved is if Kia pulls that call and hears that my XXXX salesman asked for all balances and Kia did not provide him with this random fee. Im not paying it and neither is XXXX so hopefully Kia finance can figure it out amongst themselves.
Consumer complaint received 2020-02-24
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1000.00} DEPT OF ED/XXXX  XXXX {$4100.00}
Consumer complaint received 2020-02-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (PA)

I have numerous times requested some sort of payment arrangement or payment extension to bring my past due loan current and my wife and I are continuously misled. I was unexpectedly off work due to some XXXX  I needed and fell behind on my loan. In XXXX I was told my car would be up for repossession unless I made a payment of {$350.00}. I was told if I made that payment that I would be able to get an extension. On XX/XX/XXXX I made that payment. When I tried to get an extension I was denied. Then in XXXX I was again told that my car was up for repossession and if I didn't pay {$290.00} by XX/XX/XXXX that it would be repossessed but if I made that payment I would be eligible for an extension. I made the {$290.00} payment on XX/XX/XXXX. No extension allowed. Now here we are, me being told that if I don't make a payment by XXXX my car will be up for repossession. Every time my wife speaks to someone from this company they promise her an extension if she just makes one more payment, one more payment. Well we've made XXXX, XXXX, and XXXX and no extension is available. We are past due {$1000.00} and trying to dig ourselves out but all Bridgecrest wants is to squeeze one more payment, one more payment, before actually helping us at all. 

My wife handles these things for me as I am hearing impaired and without the device that allows me to communicate effectively by phone. However if bridgecrest would like to reach out to me directly I can be e-mailed at XXXX XXXX
Consumer complaint received 2017-11-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Advance America, Cash Advance Centers, Inc. (CA)

I received a random phone call stating very random information. Upon calling back was threatened and yelled at to pay and told if I was lucky I would be offered a settlement but then was yelled at and hung up on by the person on the phone claiming to be XXXX  XXXX. Person never identified which company they work for. I am worried this is a scam and that my identity may have been compromised.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XX/XX/2021, I requested Transunion to investigate an unjustified 12 point drop in my score which dropped my score from XXXX to XXXX. The 12-point drop occurred after a credit card debt and utilization DECREASE. I thoroughly investigated my report to determine the reason for the drop but there was no legitimate justification. After asking Transunion to investigate and correct this error, they, instead, removed the account without my permission resulting in a 36 point decrease lowering my current score to XXXX.
Consumer complaint received 2021-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

Citi Bank XXXX Mastercard was opened as a no interest balance transfer for 18 months. We never used the card. The cards were never activated. 

XX/XX/2019- We missed a payment by accident due to a death in the family, bill was paid immediately upon being notified. Got irate with Citibank as they called our house harassing us multiple times in one day. 

XX/XX/2019- Paid off the balance of {$5200.00} in full from my own banks ( XXXX ) bill payment system. I never received another statement or any notification after this payment! 

XX/XX/2019- Received a letter from them stating they would no longer contact us for collections via phone. 

XX/XX/2019 - Received an email that my account was past due and now at a balance of {$140.00} I created log in information on their website to find out what balance they were referring to. I then contacted them regarding the {$140.00} and spoke with 4 separate people who I had to re-tell the story to each time. I offered to pay the original residual interest from the XX/XX/2019 statement of {$67.00}. They only offered to remove {$39.00} and refused to help any further. They stated that I signed up for e-statements, which I did not. They argued that the only way for me to receive e-statements was for me to go online and do so myself, which I did not. As of today, XX/XX/2019, I made a payment for the original residual interest of {$67.00} and feel the remaining {$80.00} in late fees and interest should be their problem as I was never notified of statements due XX/XX/19, XX/XX/19, and only notified now regarding bill due XX/XX/19 via email.
Consumer complaint received 2017-01-09
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (TX)

I attended XXXX from XXXX to XXXX and I was paying for my tuition. I was working two jobs during that era and had no financial difficulties. XXXX official or their financial department called me up to sign in for student aid from XXXX, I told them that I do not need a loan and they told me that each student had to sign in for a loan. Since I was new in the country I did not know what all that loan process was. Nevertheless, I did sign some papers in their financial office but I had never received any money from XXXX or from any company concerning federal student loans. 
I hereby submitting this complain against this company called Navient.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dunlap Gardiner LLP (GA)

I have new and updated information regarding complaint number XXXX. Dunlap Gardiner LLP continues to use false, deceptive, and misleading information in its illegitimate attempt to collect this alleged debt. Its unclear to whom Dunlap Gardiner LLP is referring to when it references The owner. However, it is deceptive to state that membership to the association is by default upon purchase of a home in XXXX XXXX XXXX without providing legal proof in the form of a legitimate enforceability agreement between myself and the association to back up such a claim. Dunlap Gardiner LLP and its client, the association is not qualified to speak to the facts regarding the purchase of the home as it does not have firsthand knowledge to this consumer credit transaction as neither of the above mentioned was present at the time of this consumer credit transaction. Im the only one that can speak to the facts of that consumer credit transaction as I was the only one involved with this situation present at the time of the consumer credit transaction. Nowhere in the Hud-1 statement, or other closing documentations signed referenced anything about an agreement to join this fictitious association. Dunlap Gardiner LLP and its client, the association continues to infringe upon my federally protected rights as a consumer by its constant harassment, use of intimidation, use of false, deceptive, and misleading attempts to force me into paying this alleged debt in which Dunlap Gardiner LLP and its client, the association does not have any legal right to attempt to collect.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX I have several issues on my credit file. I have only one name and it should appear as XXXX XXXX XXXX!! Please remove all other variations of my name. My DOB isXX/XX/XXXX my SS# XXXX please update. i HAVE NEVER LIVED IN XXXX OHIO please delete remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX,XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX  , XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX , XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. Please forward me a copy of my updated report.
Consumer complaint received 2017-01-12
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (NC)

I am in the process of a deed in lieu foreclosure with Freedom Mortgage company. We were told XX/XX/XXXX that we qualified for this type of foreclosure and that the final paperwork was in the mail for signatures. Weeks passed with no word from Freedom and no papers in the mail. I called XX/XX/XXXX to let them know the paperwork never arrived. At this time I was told that Freedom could not proceed without the DMV title. I informed Freedom that there is no DMV title, as it is not a mobile home. It is on a brick foundation not on wheels. We informed Freedom further that we have a VA loan and VA loans can not be obtained on mobile homes, the home has to be on an actual foundation. Therefore this should n't even be an issue. Today Freedom said that the 'title ' says its a mobile home, and that if it is not a mobile home then I need to go to the DMV and fix it. There is nothing to fix at the DMV nor can the DMV give me any paperwork because there is no title, there never was a title because it is not a mobile home. I also asked if they have a so called 'title ' why did they ask me for a title XX/XX/XXXX? No one could answer me. Ive been transferred all over to various Freedom employees and no one can help me because it is underwriting who makes the decisions. The people that speak to me are only relaying what underwriting says. I am also told that it is impossible for me to speak with underwriting. Freedom refuses to finish the foreclosure because of the 'missing title ' which does n't exist. I am unsure how to proceed as I can not produce paperwork that never existed to begin with. Freedom also did n't have the title when they obtained our loan from a different company, nor when they refinanced us from an arms loan to fixed rate loan a few years ago. It is my understanding that if a title existed for our home they would have also needed the documentation at those times. They could n't have had it either of those times either since it does n't exist and I did n't provide it. There was also no title exchange when we bought the home, nor the owners before us, nor the owners before them ( we 've gone through the real estate records trying to find it ) All this is on top of spending over a year trying to sell our home via short sale. Freedom refused to process our request for short sale. They repeatedly lost paperwork and sat on paperwork until it expired, dragging out the process so long that we lost our buyers. After loosing our buyers we decided to just turn over the property and accept the financial repercussions. This whole process has been going on for almost two years and ruined our financial standing all we want is for Freedom to take the property and let us move on.