davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
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. (VA)

The following accounts are requested to be removed and blocked from my credit file. These accounts are not accurate nor has they been properly verified. No company as a credit reporting agency shall on electronic Verification. I'm demanding that Equifax either provide me with certified physical documentation of these accounts or as stated with the laws of the FCRA these accounts shall be removed immediately 1 ) XXXX/XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX {$1200.00} 4 ) XXXX XXXX XXXX 5 ) XXXX/ XXXX XXXX XXXX 6 ) XXXX XXXX
Consumer complaint received 2017-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (CA)

I got a 6 years loan to finance my car. In order to payoff my loan sooner I made one small payment towards the principal and one large of XXXX dollars. My loan company applied those funds towards the principal, but they refuse to inform me, if I keep paying the normal amount on the due date, how many payments do I have left. I sent 4 messages already, all of them with generic answers giving me my old amount of payments, I called and the agent told me there is no way to know how many payments I would have left.
Every single message I send is answered saying I paid 9 installments and I still have the 63 remaining ones to make it despite the fact that I lowered more than 60 % of my balance.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX/XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (CA)

They blocked my account for no reason and there is no answers when I call them they say that there is a special department that is handling the account and they can only be emailed. Meanwhile this is my 10 time asking the agent to email them and I have not received any response or emails from them. They are holding my money against my will. And for no reason! And their lack of response is irresponsible
Consumer complaint received 2019-07-19
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. (MO)

My identity has been compromised years ago and that hardship is still haunting me, I have many unidentifiable accounts on my report unknown and unauthorized. And as a consumer protected by the laws of the FCRA, I'm asking that these accounts be investigated and blocked. I will also like a detailed Method of Verification pending your investigation. A credit reporting agency should not report fraudulent accounts, accounts that have not been certified by physical documentation, no reputable credit reporting agency shall relay on old and outdated technology by electronic Verification. I'm demanding the removal and blocking of the following accounts 1 ) XXXX XXXXk {$2300.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX {$400.00} 4 ) XXXX XXXX {$1800.00} 5 ) XXXX  - {$250.00} 6 ) XXXX {$2100.00} 7 ) XXXX XXXX XXXX {$800.00} 8 ) XXXX {$2500.00} 9 ) XXXX XXXX XXXX {$1300.00} 10 ) XXXX XXXX XXXX $ XXXX 11 ) XXXX XXXX XXXX  {$700.00} 12 ) Chapter 7 Bankrupty 13 ) XXXX XXXX {$200000.00} 14 ) XXXX XXXX 15 ) XXXX XXXX XXXX   {$2100.00} 16 ) XXXX XXXX {$28000.00} 17 ) XXXX   XXXX 18 ) XXXX/Dept of Education 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX XXXX
Consumer complaint received 2015-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IL)

They called my neighbor, whose telephone # I do not even know. asking for me. My debt has been all placed in a debt remediation program and all calls are to be directed to that agency.The name of the company is MCM. The telephone number is XXXX
Consumer complaint received 2023-06-27
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. (TX)

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 1666A 1666B 1666C 1666D 1666E and 1666F. XXXX XXXX XXXX XXXX XXXX XXXX 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise.

I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Consumer complaint received 2019-07-19
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. (MO)

My identity has been compromised years ago and that hardship is still haunting me, I have many unidentifiable accounts on my report unknown and unauthorized. And as a consumer protected by the laws of the FCRA, I'm asking that these accounts be investigated and blocked. I will also like a detailed Method of Verification pending your investigation. A credit reporting agency should not report fraudulent accounts, accounts that have not been certified by physical documentation, no reputable credit reporting agency shall relay on old and outdated technology by electronic Verification. I'm demanding the removal and blocking of the following accounts 1 ) XXXX XXXX  {$2300.00} 2 ) XXXX XXXX XXXX  {$1100.00} 3 ) XXXX XXXX XXXX  {$400.00} 4 ) XXXX XXXX  {$1800.00} 5 ) XXXX  - {$250.00} 6 ) XXXX {$2100.00} 7 ) XXXX XXXX XXXX {$800.00} 8 ) XXXX {$2500.00} 9 ) XXXX  XXXX XXXX {$1300.00} 10 ) XXXX XXXX XXXX $ XXXX 11 ) XXXX XXXX XXXX  {$700.00} 12 ) Chapter 7 Bankrupty 13 ) XXXX XXXX {$200000.00} 14 ) XXXX XXXX 15 ) XXXX XXXX XXXX  {$2100.00} 16 ) XXXX XXXX {$28000.00} 17 ) XXXX XXXX  18 ) XXXX/Dept of Education 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX x17
Consumer complaint received 2019-07-19
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: SYNCHRONY FINANCIAL (GA)

ive noticed several unauthorized inquiries on my credit profile section 609 of the fcra states that all inquiries should have written approval of the applicant also section 1681 of the united states code states its illegal to inquire without written authorization these companies are conducting an illegal practice and are subject to suit if these items are not removed immeadiately
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I submitted my application for XXXX to MOHELA. They received it twice as shown on their website with the dates of XX/XX/XXXX and XX/XX/XXXX. Up until yesterday the website showed that application was being processed, and then today XX/XX/XXXX, it showed that both documents were cancelled. I called to find out what was going on, and after waiting on the phone for XXXX XXXX hours, I finally spoke XXXX XXXX who proceeded to say that my loan didn't qualify. I explained that the loan should qualify because I had just consolidated so that I could have the correct typed of loan to qualify. So she checked some more and agreed that the the type of loan was correct. Then, she said that the application was submitted twice and that was the problem. I asked how so? She then checked the information on the application and asked who my employer was. I responded, and she noted it, even though it's already on the application. She continued to do some more checking and said that somebody probably made a mistake and cancelled the application as she didn't see any issues on the actual application. She then said that she was going to resubmit it, and for me to check at the end of the month to find out if it was accepted. She said it won't be processed right away because they were busy. Keeping in mind that there is a deadline of XX/XX/XXXX to submit this application, how do they expect people to just wait around to see if they do their job well. 

At this point, based on the responses I received I feel that XXXX was giving me the run-around. I did not even receive an apology for their mistake of cancelling my loan by " error. '' I do not trust they have my best interest here.
Consumer complaint received 2019-07-19
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)

I am in the process of buying a new home upon the underwriting team pulling my credit a fraud alert popped with no telephone number. I called every bureau to identify if I had a fraud alert with them. In calling Experian there was no way to talk to a human being. The automated system asked if I needed help with a fraud alert I said yes. It continued to confirm my information which by the way was minimal compared to the other bureaus. Once I spoke my information into the automated system it then said you have placed a fraud alert with all the bureaus. I did not want to do that I thought I was providing prescreening details to speak to an agent. The automated system did not ask to confirm if I was my intention to place a fraud alert it just moved forward. Now I have submit in writing to remove it the others bureaus allow telephones to be updated, fraud alerts removed with an agent. This is completely unfair especially since adding an alert can be done with basic personal information. In addition I pay for a membership with Experian there is no way to talk to a human or cancel services it transferred me to dead silences. This is a nightmare as I trying to buy my dream home.
Consumer complaint received 2019-07-19
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: Carvana Group, LLC (GA)

usc section 1681 along with section 609 of the fcra state that there must be signed authorization for any inquiries made from creditors there are several on my profile that ive never authorized and am not even aware of this is illegal practice and my next step is to persue legal action
Consumer complaint received 2019-07-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NH)

I Paid off my lease in full on XX/XX/2019, satisfying all lease terms. 

Hyundai Motor finance then took an extra payment on XX/XX/2019. I have been trying to get the company to send the money back for about a month now. The company owes me {$330.00}, and I have no idea if or when I will receive the money back. Several representatives claim a check will be sent " Soon ''. 

I can never contact the company. The phone system is specifically designed to prevent reaching an agent. It is cyclical, and often it just says " Goodbye '' for no reason. Often when transferring to an agent, it states " Call back later ''.
Consumer complaint received 2024-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (DC)

My mortgage company is XXXX XXXX. I was sent a letter that my mortgage payment would be increased in XX/XX/XXXX due to not enough money in escrow to cover the property taxes. This was the second increase in the mortgage payment since I purchased the home in XXXX. I contacted my local tax office and was informed that my home was classified as unoccupied and that was the reason for the tax increase. After further researching the matter, I discovered that my mailing address for the tax office was incorrect so I had not received any notices. My home has been occupied since it was purchased and I provided proof to my local tax office. The tax office has updated the information but XXXX XXXX  has not updated my new tax rate and recalculated my escrow. I have been calling XXXX XXXX  every week since XXXX to get updates.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (SC)

Grain is an unreliable company! I have an account setup and had auto payments set to come out each month. Not once did they tell me I was late! I got emails saying your payments due, but no worries youre on autopay and will be deducted automatically! Then I cant login to the app for a month due to issues on their end! Then they report Im 30 days late to the credit companies when I never received anything saying I was late or a payment was missed! Tried for a month to contact customer service and they were always busy and couldnt take my call! This is unfair and not in compliance with the Fair Credit Reporting Act! They are horrible T what they do and wont help you get it resolved even though it was their fault their payment was late not the customers! Im not the only one with the same complaint, just read the app reviews from the last few months, people with the same exact issues as me! And they refuse to correct the problem! Now I have a 30 day late that wasnt my fault!
Consumer complaint received 2019-07-19
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: Santander Consumer USA Holdings Inc. (GA)

ive noticed several unauthorized inquiries on my credit profile this is an illegal per usc section 1681 which states that there must be written consent in order to authorize inquiries also section 609 of the fcra states the same there must be written this is grounds for a suit and if they are not removed by these unauthorized companies i will persue every matter in court
Consumer complaint received 2019-07-19
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: CITIBANK, N.A. (GA)

ive noticed several unauthorized inquiries on my credit profile this is an illegal per usc section 1681 which states that there must be written consent in order to authorize inquiries also section 609 of the fcra states the same there must be written this is grounds for a suit and if they are not removed by these unauthorized companies i will persue every matter in court
Consumer complaint received 2019-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MARINER FINANCE, LLC (VA)

Having been dealing Mariner Finance for the last 5 months. I was told back in XX/XX/XXXX if I made my payments on time and stayed current they would dismiss the judgment against me. Well now I got paperwork stating the judgement was finalized on the XX/XX/XXXX. I still have the letter from the Vice President of the company stating such. I want the judgement removed and the account status to reflect that in my credit report and my sons!
Consumer complaint received 2019-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

Reference continuance from Complaint # XXXX.Chase still has not issued a provisional credit and over 14 days have passed since notifying Chase. Chase went a step further and attempted to force me to fill out a paper form. Per Reg Z, if a Issuer accepts billing errors to be filed via phone, then they can not require another method of filing as well. Chase took no action on my account until they received the above referenced CFPB complaint on XX/XX/XXXX. At that time, they simply tagged the transactions and took no further action nor started an investigation. In addition to this, the card issued is a Visa Card, and therefore requires provisional credit to be issued within 10 days. As of today Chase has not taken any action to rectify this situation.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Thisaccountisnotvalidandhasbeensoldtoa3rdpartyafternumerousattemptstoresolvethismatterfortheamountof{$1300.00}fromXXXXXXXX.
Consumer complaint received 2019-07-19
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: PNC Bank N.A. (GA)

ive noticed several unauthorized inquiries on my credit profile this is an illegal per usc section 1681 which states that there must be written consent in order to authorize inquiries also section 609 of the fcra states the same there must be written this is grounds for a suit and if they are not removed by these unauthorized companies i will persue every matter in court
Consumer complaint received 2019-07-19
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. (WY)

I have 6 months of late payments on my credit report for a student loan that was in deferment. They said they fixed this and did not. I have gone through all the channels that I can. Its hurting my credit.
Consumer complaint received 2022-01-11
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: Experian Information Solutions Inc. (FL)

I called Experian on XX/XX/XXXX and informed the agent that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized inquiries : XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2022-10-06
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. (DE)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2019-07-19
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. (RI)

I checked my credit report to find a company called XXXX XXXX saying i owe them {$1600.00} and that i opened an account with them in XX/XX/XXXX and I never had an account with them nor did i authorize and inquiries on my report. on Transunion I have an inquiry from XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX  XXXX XXXX