davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (MA)

The solar rep promised I would receive a specific amount ( XXXX ) from taxes to pay down the loan to get to the target balance. I am not getting that much so now the payments will go up to twice the amount I'm paying now in XXXX Had i known i would not be receiving that amount, i never would have taken the loan. There is absolutely no way i could get XXXX ... .ever ... XXXX will not work with me on it. They're just saying wait until the loan re amortize. Which will bring the payments up. I'm thinking of having to file bankruptcy. I am a hardworking single mother and I know I'm not the only one goodleap has hornswoggled. Despicable. Predatory. I understand why people call it a scam now. Sounded too good to be true
Consumer complaint received 2022-02-18
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. (AL)

I called Transunion multiple times to update my credit report with the information provided. They ignored my attempts to fax, email, and give direct communication with the government agency to update a negative account. The account was a pay for deletion account with XXXX. The agent simply told me they don't have the power to add or remove information from a credit report. When I referred to their own guidelines of updating the information. The agent removed himself from the conversation. The second agent told me why would the other credit agencies remove the account and not their own if they requested the removal of the account. I told the agent that would be a question for them to answer. As XXXX provided proof that they sent request to all three credit agencies. With the account no longer showing on XXXX and XXXX. They refused to take my documentation online, fax, and email. Telling me to mail it in. This is simply bullying at its finest and really frustrating. As we the American public have no way of enforcing them to comply with FCRA guidelines.
Consumer complaint received 2018-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (TX)

I contacted Wells Fargo to pay my debt and requested a letter showing that I paid my debt. I received the letter from Wells Fargo but the wording on the letter does NOT clarify that my debt is paid in full and that there is a XXXX balance on my account. The letter states that " Upon receipt of valid funds we would update our records to indicate the account is settle ''. I've call several times requesting a letter clarifying that my debt is settle in full but the representatives keep rejecting my request, I've ask to speak to a supervisor and the reps tell me he is at lunch and on another call I made they said the supervisor had to " leave early '' and that he would return my call at a later time. This is not to much to ask for a simple letter stating that my account is settle in full, I don't understand why they are giving me such a hard time. I'm in the process of buying a house and I need this documents asap this is time sensitive. Thank You!!!!
Consumer complaint received 2018-05-04
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: Experian Information Solutions Inc. (CA)

Last XX/XX/XXXX, I sent this company a letter disputing several accounts that I do not recognized. From the account number to the opened date and creditor name, I do not recognize those pieces of information which is enough reason for me to to practice my rights and request for an investigation. I disputed the following accounts : XXXX XXXX/XXXX Ref # XXXX , COUNTY OF XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX XXXX XXXX XXXX ref #  XXXX, XXXX XXXX XXXX ref # XXXX. 
It has been more than 30 days and yet nothing has been provided to me or sent to me as validation document, that was used in their investigation. This is a clear violation of FCRA.
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (CA)

Im disputing Acima Credits inaccurate records identifying me as delinquent to which they reported me late, negative and a charge off. My arrangements with Acima Credit in XXXX of 2020 was interrupted to which Acima Credit charged an unauthorized {$1000.00} via cash advanced, it was not set up correctly nor did the communicate this would happen, we disputed it and received credit for it and had my credit card company recharged the {$1000.00} back to Acima who claimed they never received it, Attached records show otherwise, which would have closed the account before my 90 days same as cash ran out and we would had paid off the furniture in full, but Acima Credits  business practices caused me to look as if I did not make any payments, thus reporting me delinquent and negative after a few months of their lack of communication not notifying me either by phone, email or mail that my account was going to collections and or charge off. I had no clue this was going on. The intent was to pay this off before the 90 day ran out to avoid the high interest. How I found out was, due to COVID-19 my payroll was cut by 25 % and I had to look at other options to survive and went to try to refinance my home and found out I was denied because of the negative reporting by Acima Credit, this was devastating to say the least. Once I found out what had happened I couldnt bare the fact to express my frustrations to Acima Credit. I had asked my wife XXXX XXXX who is a 4 time XXXX survivor to speak for me and connected with Acima Credit to dispute the credit reporting and their poor record keeping. Acima found more errors on their end and settled with us on XX/XX/2020 to close out our account and show PAID IN FULL. ( letter attached ). Still their accounting is all over the board with inaccuracies on reporting statements. This last dispute with them in XX/XX/2020 was discussed with Acima credit because after my arrangements to settle on payoff for {$990.00} in XX/XX/2020, their lack of communication not explaining to me then that my account was in collection. The appalling thing is Acima Credit charged my credit card for {$1000.00} just days before my arrangements for the {$990.00} and said nothing about it which if I paid the {$990.00} Acima Credit would have received {$2900.00}, the furniture is not worth the amount paid. After a long hard dispute process, and although we now have closed the account and Acima Credits negative credit reporting on me has tarnished my lively hood and wellbeing and caring for my wife XXXX. I called Acima to get this resolved and their comment was we can not change it, youll have to dispute it with the credit bureaus. Their unfair business practices to gouge more funds from me, is unacceptable.
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (MD)

I use my PNC account for two investment applications - XXXX  and XXXX XXXX. Neither investment application will allow PNC to connect as the funding source so they have shut down the ability to invest funds directly from my bank accounts. XXXX has directed me to file a complaint with the CFBP and they are currently working with PNC to Restore the connection. I am not the only one this is happening to, this is PNC customers as a whole. Thank you for considering my complaint.
Consumer complaint received 2020-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TFC Credit Corporation of California (WA)

Non sufficient fees charged onXX/XX/XXXXand XX/XX/XXXX for XXXX each in fees. Payments were XXXX. I had enough money in bank account to cover payments. Bank has no records of non sufficient funds during the entire time of the loan. Tried to work out with company by sending bank statements via email on XX/XX/XXXX, but i was told its been too long over the phone, and no reply to email containing statements. Also the interest paid is too high as the loan was paid off in 8 months and I paid XXXX total. The loan was for XXXX at 10 % interest
Consumer complaint received 2022-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Rosebud Economic Development Corporation (HI)

I applied for a payday installment loan from Big Star Credit ( Henceforth BSC ) on XX/XX/2022 and was approved for the amount of {$500.00}. When I was applying, the application had an area which asked if I Did or Did Not approve the use of ACH payments ( ACH Authorization ). When I initially filed the application, I selected that I did NOT authorize ACH transactions as my payment method, and went to submit my Application. At that time, I was given an error message saying that the " Form could not be submitted, '' as XXXX did not accept applications where ACH authorization is not selected. Therefore, since I needed the loan I went back and selected that I DID authorize these ACH transactions despite not originally wanting to. After the application was submitted, I was shown a payment schedule and given my terms and accepted the loan. Fast forward to now, it is XXXX XXXX. I have made my first XXXX payments successfully, allowing for the ACH transactions to process. Since I still did not feel comfortable with them, I wrote to the BSC support line and officially revoked my ACH authorization. When I did so, they wrote back accepting my revocation, but also, they included in the email language that suggested that they would consider this as intent not to pay or fulfill my financial obligation unless I called them before my next payment to set up a new payment process. In fact, the exact language suggests that they are now expecting me to pay the loan in full and demanding this, as I no longer allow them to withdraw the funds through ACH. 

I informed them that while I do need to make sure each payment is made on time, I am not required to allow for ACH transactions as a form of payment, and that so long as I respect the original payment schedule, I was still adhering to the agreement I signed in terms of payment. Their message threatened negative reporting to the major credit bureaus as well as possible legal action should they determine that I had a " failure to pay '' and that I needed to call them asap to schedule new payments. To this degree, I again responded that I am following my legally granted rights and that if they chose to press this further I would report these actions to the proper authorities. 

Unfortunately, while I have the email where they made these statements, I do not have a way to provide proof of their requirement for ACH authorization as this step is only available during an application. However, I would urge the proper authorities to investigate this issue as this is a violation of consumer protections.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX   XXXX {$25000.00} XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$18000.00}
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

My mortgage company, XXXX, will not pay my county taxes from my escrow account. I started receiving delinquent tax bill notifications. I tried to refinance my house is XXXX and it was discovered that the money is sitting in my account and has not been paid since XX/XX/XXXX. I called the company to try to resolve the issue on XX/XX/XXXX and was told that it was being escalated bc my home was being report as unoccupied and they didn't have to tax the taxes. I sold with a XXXX that transferred me to a XXXX ( in XXXX ) that would not do anything to resolve the issue. She told me that they updated my account and taxes would be paid XX/XX/XXXX. On XX/XX/XXXX, I received a new delinquent notice that the bill has not been paid. I call XXXX again and spoke with XXXX that transferred me to XXXX and was told it would be escalated with no reasoning as to why they still have not paid my taxes.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX   XXXX {$25000.00} XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$18000.00}
Consumer complaint received 2018-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have know idea where this came from. Some one must've stolen my identity. At the time I was living with my sister I don't know who is impersonating me. I think maybe she knows something about this. I will press full. Charges. This is not my debt. It for XXXX $ at an XXXX XXXX. Original. Creditor is 12 capital   one. On XX/XX/2017.
Consumer complaint received 2022-02-18
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. (OK)

I have submitted several disputes via mail and online over last 6 month regarding the below inquires on my credit report. I have in no way authorized these companies to pull my credit and demand they be removed. There is also pending litigation regarding these inquires with XXXX, Equifax and XXXX. In the mean time, please have all hard inquires listed below removed asap per the law! Its holding me back. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-05-04
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 (LA)

This Capital One card was being used for my business. On XX/XX/XXXX the business closed down due to lack of income. I closed the Capital One account approximately one year ago and was making payments on it up until XX/XX/XXXX. They refuse to lower interest rate. I have offered to try to pay them in full if they would possibly remove some of the penalties and interest. I was told on XX/XX/XXXX by  XXXX ( accounts manager ) that my principal on this card is XXXX, however she told me that they didn't offer any settlements. So I am expected to pay {$25000.00} by XX/XX/XXXX. I have made multiple attempts to settle with them, but they will not budge.
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have submitted several disputes via mail and online over last 6 month regarding the below inquires on my credit report. I have in no way authorized these companies to pull my credit and demand they be removed. There is also pending litigation regarding these inquires with XXXX, XXXX and Transunion. In the mean time, please have all hard inquires listed below removed asap per the law! Its holding me back. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX SUB XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion TXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2022-02-18
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. (GA)

i have noticed some late payments in my report.I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX CO ACCT # XXXX, XXXX XXXX XXXX BANK ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCT # XXXX. I do not consent to XXXX or any means of automated verification, so conduction this investigation the proper way.