davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC (OH)

I started the loan on XXXX/XXXX/XXXX and did n't really understand what I had gotten myself into I took the loan out for {$390.00} and they have been taking a payment in the amount of {$110.00} every 2 weeks. I have been contacting the company since XXXX/XXXX/XXXX to get the payoff balance since then. I have called for over 3 weeks. I also asked them to not take any more money out of my account as I was trying to pay it off in because there is no penalty for paying it off early. the answer I get is that the system is down and it still down. Now in the last week and a half they do n't answer and want you to leave a voicemail but do n't return calls. I had to go to the back and pay {$25.00} to get the unauthorized charges after I told them to stop taking money from my account since I was paying the account off. This has a 730 % interest rate. I think that this might be a scam. The systems are down they are able to take money from peoples accounts for the payments. They are still able to start new accounts but they are unable to allow you to pay the account in full.
Consumer complaint received 2017-08-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (IN)

In 2005 I was approached by a man by the name of XXXX XXXX, told me he was working with a team of people that wanted to help lower income families create a stable environment .for family. He said they could help me get a home. Shortly after that I met with XXXX 's business partner XXXX XXXX. They assured me that I was in good hands and they would take great care of me. At that time I was XXXX years of age just moving from XXXX to XXXX and working at the XXXX XXXX XXXX XXXX. I was very naive and needed someone I could trust, I thought, " this is what I 've been asking XXXX for! '' The two men begin taking me to see homes, they showed me three homes but were very persistent on the house on XXXX XXXX. I decided to get that one. We closed on the house and I received my keys ... days later I begin to see that the work that was completed on the house was cosmetic. Plumbing went bad and had to be replace throughout the entire home.Floors were rotted out and had to be replaced and the electric had knob and tube wiring and needed to be replaced throughout. I also needed a brand new roof and the house had no insulation. I contacted XXXX and XXXX, they promised to return and make things right but never made good on there promise. When all that occurred it made me curious so I wanted to know more about the guys that I should not have trusted. I found out that the house was actually for sale for {$23000.00} they sold the house to me for XXXX. I was beside myself and very angry. the home was foreclosed on and went to the tax sale were I was able to purchase it for the taxes. I own the house out right but I still have that loan on my credit, which has basically ruined numerous opportunities for me to better myself and move on in life. This loan has with out question hindered my life! XXXX # : XXXX
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

Im not sure of the exact dates. But within the last 7 months ive submitted letters to to Equifax, XXXX and XXXX to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.
Consumer complaint received 2022-10-26
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. (CA)

In accordance with the fair credit reporting XXXX XXXX  XXXX Account # XXXX and XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A States that I have a rights to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (MD)

We applied for a forbearance at time of covid. And in XX/XX/XXXX there was a loan modification made. But on XX/XX/XXXX due to unpaid maternity leave, we applied for forbearance. We asked XXXX  months. We were granted 1 month. When we asked why several times, no one at any time advised or informed us that we were allowed ONLY XXXX MONTHS OF FORBEARANCE FOR THE LIFE OF THE LOAN. 

We were even told last week after several times asking why was it only XXXX month and not XXXX months that they could only XXXX XXXX months at a time and we should reapply afterwards. Yet only XXXX month was approved. But never we were properly informed of such crucial information for a XXXX year loan. 

So today after speaking with XXXX, he said the reason why we got only XXXX month instead of the XXXX months requested is because we were up to the XXXX months. To our surprise we objected saying we were never informed of such important notice even when asking and making request for forbearance in the past, nor the last time till now. We are feeling defrauded by Quicken Loan, whose team have repeatedly mislead us to believe XXXX thing but came up with another since the time of having them XXXX  years ago. We have been several times mislead but this time was the too much to handle! 
We are making a formal complaint to have this revised, reviewed and revisited.
Consumer complaint received 2021-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

XXXX, equifax and XXXX  has a public record on my credit file this according to 15 usc 1681 ( a ) these companies reporting XXXX public record which is a private matter on my credit file and i would like it completely removed. please help me with this matter.
Consumer complaint received 2017-08-22
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 (IL)

On XXXX/XXXX/XXXX, I had a payment due for my credit card balance. I made the payment on the due date at around XXXX XXXX XXXX XXXX. As I was processing my payment online, I read a line that said my payment will not be posted until XXXX/XXXX/XXXX, therefore forcing me to be late. I immediately called Capitol One, spoke to an agent who said that I would be charged a late fee, and that she could not reverse that charge until it posts to my account, the next day. She instructed me to call back. I called back on XXXX/XXXX/XXXX @ XXXX ( et ). I spoke to XXXX in the customer service team, who said neither him or his supervisor had the authority to waive the {$25.00} late fee. I was transferred to a senior Account supervisor by the name of XXXX, ID # XXXX. XXXX stated that the computer did not give her the 'opportunity ' to waive the fee. I asked why, XXXX stated it just did n't give her the 'opportunity '. I then asked, under what circumstance or on what basis does the system not allow the 'opportunity ', as she called it, she gave no answer but continued to say 'it just does n't give me the opportunity '. She failed on several occasions to answer the question informatively to a consumer. I asked for a direct answer and she just refused due to her lack of knowledge on the matter. I informed her I was instructed from a representative on XXXX/XXXX/XXXX to call back and get the late fee waived of {$25.00}. XXXX gave no such concern nor emphasized with me as she robotically continued to say she could n't do anything for me in regards to waiving the late fee because the system did not allow her the 'opportunity '. I expressed my frustration and discontent with her and the company 's handling. I then politely asked for a XXXX, she refused to transfer or even provide a name or extension. Nearly 10 minutes in, she finally gave the name of a man named XXXX, ID # XXXX. then, told me that he would not help me. I again stressed to her what a former employee told me on XXXX/XXXX/XXXX. She cared none to seek proper resolution as to what I was promised by their company. The fact that capital one 'FORCES ' card holders to be late based upon a submission time of payment is outrageous. I was nearly an hour past a time, but still paid on my due date! I been with the company for a couple years now and expressed how I was looking for a one time waiver of a late fee. The company failed to enforce their prior verbal promise to me as a long time cardholder. I feel as though their representatives were resistant every step of the way to make right what was told to me, though they seen notes in my account of the same version of events I told them took place on XXXX/XXXX/XXXX. They were unsympathetic to the fact and as a long time customer, I find it disheartening. Should there be no amicable resolution from Capital One, I will look into cancelling my card soon.
Consumer complaint received 2022-05-16
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: CREDIT ACCEPTANCE CORPORATION (NC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I pulled my credit reports XX/XX/2019 I couldn't believe that it was Multiple inquiries reporting with the same date of request being that every time a mortgage lender or auto dealer would ask to pull my credit report and i would deny them because i thought it would hurt my score they told me " No you have a 15-45 period to shop for houses and cars only '' I obviously l was lied to by someone but i didnt know who until I did my own research AND I FOUND OUT THE MORTGAGE LENDER WAS RIGHT AND THE CREDIT BUREAUS WERE NOT DOING THERE JOB I have XXXX inquiries on my credit reports over a two year period - SOME EVEN REPORT PAST 2 YEARS!!! 

I Started My Challenge to the Credit Bureaus On XX/XX/XXXX on what I thought would be a reasonable negotiation to delete all inquiries that were not dedupe correctly on my report to be deleted. SILL TO THIS DAY I HAVE NOT RECEIVED AN ADEQUATE RESPONSE FROM EITHER BUREAU I AM COMING TO YOU FOR RELIEF.
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (OH)

I paid in full 2 medical debts for First Federal Credit Control in XXXX of 2016. Proof of payment is available. I was assured the debt would be closed and removed from my credit bureau. The accounts were not closed, and after contacting the debt collector they stated they were having communication issues with XXXX. I have attempted to call numerous times to resolve this with no help. I now have two more debts with this company that I was unaware of, one for {$38.00} and one for {$120.00}. Which I want to pay but I will not pay another debt with them until they resolve the first issue which is still impacting my credit.
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (VA)

I filed bankruptcy and made montly payment on my car. 10 days after I made a payment XX/XX/XXXX, they reposessed my car. After a lot of red tape and them being extremely unhelpful, I paid off the car on XX/XX/22. I had XXXX XXXX from VA to NC to pick up the car, I did so on XX/XX/22. A week later, I called in to find out when I would get the title. They stated that they sent it to the repo company and will request it back from them and send it to me. I never received it. I called multiple times and finally on XX/XX/XXXX they told me that they sent it out to me on XX/XX/XXXX. I waited and waited, no title came. On XX/XX/XXXX I called them telling them that I have received no title and that it was unacceptable that I had to wait this long. The Westlake  rep said she would take care of it. On XX/XX/22 I finally got an envelope from Westlake. It didnt have a title, but it had a document that had been notarized. I assumed I could take that to the DMV  for a title. I made an appointment with the Virginia DMV  for XX/XX/22. The piece of paper they sent me means nothing to the DMV. The piece of paper also had a phone number that the DMV could call. However, that phone number went straight to a dead line. The DMV informed me that Westlake put the title in their name on XX/XX/22 and got a copy of the title. The DMV needs the title signed over to me before they can do anything. When Westlake moved the title over it voided my cars registration. So now I have had an undrivable car for 2 months. I have called over 10 times trying to get this resolved. Most times they throw me into a hold loop where it eventually hangs up on me. This has now become a UDAAP violation, and with the way they have treated me, I am sure that I am not the only one.
Consumer complaint received 2022-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IL)

I received a letter claiming I owe medical bill. I tried to call the company RMP SERVICES LLC to resolve matter and asked what medical charges was this for because time I received care I had insurance and I provided to XXXX XXXX and informed agent wasnt aware of any unpaid charges first attempt calling in agent agree to send back to hospital and Dispute. Then I called the second time and tried to get more details of I can resolve matter by providing my coverage agent advised me that debt can not be removed and Im responsible for all charges and if I dont pay debt can not be removed and told me its too late for insurance to cover charges and started saying you knew about charges continue to say how Im not trying to pay for a bill Im responsible for and continue to call and tell me that charges are accurate and the debt will continue to be valid
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter soon as possible.
Consumer complaint received 2024-02-15
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-15
Product: Credit reporting 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 below with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 609 of the Fair Credit Reporting Act ( FCRA ) a federal law that protects consumers from all unfair credit and collection practices I told Experian, XXXX, XXXX to reinvestigate these accounts XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15. USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. 
None of information as been removed upon request of deletion.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I made a payment to my capital one savor XXXX card for {$190.00} using my debit card. Capital one has always made credit available for use immediately when using this method. However this time it wasnt available. I waited till the next day thinking it just needed to process overnight. Still nothing. On XX/XX/XXXX I made an additional payment of {$69.00} using my debit card again. The available credit still didnt change. I contacted customer service and spoke to an extremely rude supervisor who informed me that my payment was being held for XXXX XXXX days and there was nothing they could do. This payment was made with a debit card, the money is immediately withdrawn from my account. Why is it being held that long? No one could tell me and now I have {$300.00} held up not able to be used.
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (ME)

Collection showed up on my report that I dont recognize I called the co. He proceeded to ask information from me but never told me who I owed when he asked for my ssi number and birthdate I hung up. The co is credit management Lp Ive since looked them up and now know its a scam I dont know how to get it off my report
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is required by law to add an identity alert to my file. I provided a filed and accepted/approved police report and they repeatedly mail me a letter saying they refuse to obey the law and add an identity theft alert. They claim there 's been a misrepresentation of facts. In fact, this is a blanket letter they are sending out and using this letter as an excuse to violate the law, which is punishable by a class action lawsuit and fines from federal regulatory agencies. Numerous people have reported this to the Attorney General, supplied their valid police reports, and the AG is looking into it. For now, they have asked us to have your agency investigate. They have sent out thousands of these fraudulent letters.
Consumer complaint received 2017-08-22
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. (IL)

I sent multiple certified letter to Experian in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX asking to veriffy account named " XXXX XXXX '' I received last updated credit report early XX/XX/XXXX and the account still says the account was investigated XX/XX/XXXX, which means the account was never verified per my last letter. By law this account is to be removed immediately due to the account not being investigated within 30 days of my last dispute.. IN addition to this I have sent multiple letters to have this account verified. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount but the company parroting the information and not verifying. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.
Consumer complaint received 2022-05-16
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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