davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (FL)

I was very unfortunate enough to come across this company for a short term loan I needed when I lost my job to pay bills. I took out a loan for $XXXX  to pay for the bills, and was under the impression that I would make monthly payments on the loan. What I later found out is that the payments would come out every two weeks and would basically cover interest with very little going towards the principal, I made 3 payments of $XXXX towards this loan and still owed over $1000 after the fact. The lending practices of this company are predatory, and they lock you into payments that go well beyond the principal and normal interest rates which I verified and are highly illegal in the state of Florida on top of the fact that they are not even legally registered to conduct business in this state they have no license. To date, I have paid back twice the amount I have borrowed, and am expected to pay three times the amount of what was borrowed. This company is praying on individuals who have an immediate need and turn this nerd into an ongoing. Financial hardship. Charging close to 300 percent interest on their loan. You can not gather information from their website on your loan, get any documents anywhere and can barely contact them whatsoever. This is unethical and should be considered illegal practices by this organization.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: The Star Financial (IN)

On XX/XX/22 i tried to deposit am check from XXXX XXXX XXXX XXXX for {$860.00} into my Star financial account. Being saturday afternoon @ XXXX i tried depositing in atm wouldn't let me. @ XXXX i tried another one with same results. 
Som i decided to go to my other bank. XXXX XXXX XXXX XXXX I was able to deposit the check at there ATM. The problem is i used the Star Financial debt Card. I keep checking XXXX account to see when money had cleared. On tuesday the nineth I spoke to customer service XXXX. They figured out i Used Star Financial card instead of XXXX card. I checked Star Financial account, They told me it was on debt card but couldn't put it in checking account. In just got of phone with Star financial same story they blame XXXX hasn't released money. 
XXXX has been on phone with me about everyday with this i don't believe they are holding money. 
I am having XXXX tuesday and will be laid up for a couple of months i needed this money yesterday. 
Please let me know if there is anything you can do
Consumer complaint received 2023-08-15
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. (AL)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXXM HIGHLY PISSED ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 

XXXX XXXX XXXX XXXX XXXX/Equifax/XXXX XXXXXXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX/Equifax/XXXX  Inquiries : XXXXXXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXXXXXX Bank Credit Cards XX/XX/2022 XXXX XXXX XXXXXXXXXXXX BANK Bank Credit Cards XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have already submitted a XXXX verification request from Experian for some reason they will not remove account that has Been removed from other credit bureau such as XXXX and XXXX XXXX but for some reason Experian has not updated there and as far as a XXXX account On my credit report I submitted documents from XXXX as well as myself proving that the account is inaccurate and they still have not modified my report
Consumer complaint received 2020-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

The client XXXX XXXX XXXX and debt collector Wakefield & Associates reported medical debt to all three bureaus. It was an emergency room visit out of state that shouldve been covered by NY XXXX. I never received a bill for this. My attempt to dispute failed. I contacted Wakefield and told the representative I had insurance on the date of service - XX/XX/17 and he was concerned about collecting the debt. We settled for {$850.00} out of the full balance because we thought this was our only option to get it off my report. They first reported that we still owed {$490.00} which brought my score down but it was eventually deleted. I even emailed this company with no reply. I recently found that NY XXXX did pay them {$66.00} and according to the XXXX   representive it was very illegal for them to charge me when I had XXXX. It shouldnt of went on my credit report to begin with. Now we have to seek legal action. Ill attach the Explanation of Benefits from XXXX and HIPAA letter.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

We were supposed to close on the property on XX/XX/XXXX. Due to USAA erroneously closing out the paperwork regarding this sale in their system, closing on the property was delayed. We had to wait 2 weeks for USAA to assign a new person to our account, wait for that person to read and agree to the documentation to proceed to closing. We made every single payment on the mortgage on time and in the amount due since XX/XX/XXXX. The closing finally took place on XX/XX/XXXX. Due to the different departments at USAA not communicating, the sale wasn't known by the loan department who subsequently reported my now ex-husband and I as being late on one ( 1 ) payment in the entire 14 years we had the loan. I spoke with USAA on numerous occasions for them to fix their error. Finally, I received a letter in the mail dated XX/XX/XXXX stating that they corrected the dispute on our ( ex-husband and my ) account and notified the credit reporting agencies of their error so my credit report would be fixed. It is now 5 months later, I have reviewed XXXX, XXXX, and XXXX  and they all still show I was late on one ( 1 ) payment that I wasn't. 

When my ex-husband called USAA to have this same issue fixed on his credit reports and to receive a letter like the one they sent me, he was told they could not send him one in his name since they already generated a letter for me,  however, the letter I received does NOT reference XXXX 's name at all, nor did they go through the process to fix the error they caused on his credit report. This is so unacceptable. 

This is severely affecting my credit score and hindering my ability to buy a house for my son and me. I am recently  divorced and need to provide a home for him. I am a U.S XXXX XXXX veteran and want to use my VA certificate for the loan. Based on their rules, I will need to wait until the late payment falls off my credit report to use it. I close on my current house at the end of this month and am in the process of buying a new house and am now experiencing difficulty obtaining a mortgage. Please look into and assist in rectifying this matter. Thank you.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX, IL XXXX on XX/XX/2022 because they reported my account as delinquent/pass due. My account is paid in full and because of this my credit score has dropped XXXX points. After contacting them and verifying that the account was paid in full and was not past due I was told to contact the 3 major credit bureaus for them to change the information.
Consumer complaint received 2019-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I was made aware of a negative mark on my credit profile on XX/XX/2019 claiming that I owe {$490.00} to Credit Collection  Services for an unpaid car insurance bill from XXXX. 

I sent a certified letter on XX/XX/2019 asking for them to verify the account in my name by providing a contract bearing my signature, as well as, the method in which the used to verify the debt. Upon receiving the letter back, all I got was a bill and them stating this was verification but the Fair Debt Collection Practices Act and the Fair Credit Reporting Act do not view that method as true verification. 

I have wrestled with them for the past few months and they continue to send bills requesting a payment instead of providing me with some sort of verification to validate that the debt is mine.
Consumer complaint received 2019-09-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sierra Holdings LLC (TN)

On XXXX/XXXX/19, a man from Sierra XXXXXXXX  called and left a message on my managers office number threatening to take action if I did not call before XXXX XXXX. I called and advised the company that I filed a chapter XXXX bankruptcy and they would receive payment that way. The man started talking to me in a disrespectful tone. I asked for the mailing address so that they could receive the filing information and was told they do not have a mailing address and I need to pay the money back.
Consumer complaint received 2019-10-07
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: CREDIT ACCEPTANCE CORPORATION (MD)

All these inquires listed below were placed onto my XXXX  report without my knowledge and I did NOT authorize my name to be pulled for any of them. Please delete inquiries. 

XXXX XXXX XXXX  | XX/XX/18 & XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 |
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

I am writing this complaint because its been ignored by XXXX XXXX and all three credit bureaus. 

My mother in law wanted to save me the aggravation of using my own credit cards when I pick up her groceries and medicine so she added me as an authorized user so that I can just put it on her card. 

Prior to her adding me she showed me that she paid her balance down because I did not want her credit card showing high usage as im due to settle on my house in a few days. 

Prior to her showing me her account was indeed under 30 % usage she made a payment but because of her age she forgets sometimes and paid with an account that was closed out. She did not mean to do that and I believe if you look through her account you can see she never had a returned check before in the past, Once we realized the check came back we immediately made another payment to bring the card back down under 30 % but within that same day you guys have already reported the account to the credit bureaus. 

We sent in a request to all three bureaus to update the new balance and we also requested this from XXXX XXXX in which have all ignored us. 

I mean as a courtesy we are asking to understand her condition and why this occurred and also may delay or lose y house if this isn't corrected. Its been three weeks now and still no help. 
Whomever receives this we ask that you can bless her by helping us out. 

Thanks in advance
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

Hired LexingtonLaw to mediate and help fix my credit due to wanting to purchase a rent to own home as well as establish an installment auto loan. Ive had extensive good credit history being my first credit account was established at the age of XXXX. LexingtonLaw charged me XXXX and my score has decreased 80 points. Please help me
Consumer complaint received 2023-04-10
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-16
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. (IL)

I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX, IL XXXX on XX/XX/2022 because they reported my account as delinquent/pass due. My account is paid in full and because of this my credit score has dropped XXXX points. After contacting them and verifying that the account was paid in full and was not past due I was told to contact the 3 major credit bureaus for them to change the information.
Consumer complaint received 2019-10-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Audit & Adjustment Co. Inc. (CA)

I called the collection company, Audit & Adjusment Co , Inc and tried to arrange a payment plan, or deletion if paid in full. They flat out refused and wanted all mine and my spouses information before they would consider a reduction. They also insisted I owed several hundreds of dollars additional in interest, which I do not owe since this is medical collections, and I never signed interest documents with the original " creditor ''. They also included an additional item not reported by any credit bureaus, second line item on attached letter. I will pay what I owe not a penny more. They are extremely rude, I called in after years of financial struggles, not one call or letter from them and wanted to make things right. I made the call to them. The representative was unhelpful. I don't expect them to be overly nice, but plain ugly and rude is just unnecessary. 


Please help me, they won't respond to any postal letter mail nor emails and I refuse to speak to them since they are so rude and I afraid to get the same representative, as posted by XXXX and XXXX. Thank you
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Grain Technology, Inc. (GA)

I have been trying to get in contact with Grain since XX/XX/22 about their app malfunctioning. I have tried contacting them via their app form : https : //graincustomersupport.zendesk.com/hc/en-us/requests/new and via the phone listed on the billing statement XXXX with no success. When I contact them via https : //graincustomersupport.zendesk.com/hc/en-us/requests/new, I receive a message stating : Hey, thanks for reaching out to us! : ) We got your request. This is an auto-response, but we promise a real person will respond to you soon. Our average response is around two business days but in periods of higher volume, it may be longer. 
In the meantime, check out our support page for FAQs here - https : //trygrain.com/support/. 

Which Ive never received a response from a live person. I have my account set on auto-pay which a minimum payment suppose to be withdrawn from my account monthly. On grain the app it stating the account need to be reconnected, but when I click reconnect the button is not clickable. I even trying paying the minimum payment manual with no success, because the pay button is not clickable. Now my on-time payment ratio has dropped from 100 % to 91. 67 % which is incorrect due to the app is malfunctioning and this couldve been avoided if grain had adequate customer support and technical support.
Consumer complaint received 2019-10-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MO)

I received a notice on my credit report regarding this debt in 2017 and I called to correct to no availability. I disputed and advised on removal of even settled. They have not sent information to validate and I was able to dispute and get removed from XXXX  and XXXX, but Equifax has not removed. This debt was not proven valid and Im trying to remove again.
Consumer complaint received 2019-04-11
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. (OR)

In XX/XX/XXXX/ XX/XX/XXXX, credit reporting agencies reported that two of my accounts were seriously delinquent. In fact, no accounts ever have been delinquent, nor even late, in the entire history, over twenty years. FICO was interpreting the changing hands of two student loans ( loans which had never been in repayment ) as Seriously Delinquent. My FICO score dropped 50 points, and these points have not rematerialized with TransUnion and XXXX both stating there is no  substance to support the claim that a delinquency exists. No creditors claim any amount is owed. Special Handling department at TransUnion has no evidence of any delinquency, ever,. I've been asked to acquire copies of my credit report, ostensibly to assure me there is no delinquency ( something I already know ), however, these several dozen reports always tell me what I already know : I've never missed a payment, let alone been seriously delinquent ; The fifty points which dropped from my FICO score did so wrongfully, and FICO is  primarily responsible, with reporting agencies and creditors also bearing responsibility for reporting to me, and others, this completely inaccurate and damaging information. They deny that their algorithm is responsible, and point me to copies of my credit report and other entities like creditors and credit reporting agencies as the responsible parties. 

There was no delinquency. I want my Fifty points back. Please offer evidence ion the negative mark/serious delinquency which your company claim ( ed ) exist ( s ), or inform FICO they have a problem that requires correction and are obligated  to provide restitution.
Consumer complaint received 2023-04-10
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$230.00}, XXXX XXXXXXXX Balance : {$2300.00}
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I recently attempted to pay an additional payment to the principle balance of my mortgage loan in an attempt to lower future interest payments and reduce the overall balance of my loan. However, the Bank/Servicer ( Mr. Cooper ) did not apply the additional principle payment to the loan. Instead they held the money in an account and are now telling me that they will return the additional payment back to me. However, in doing so, they have guaranteed that I will now be paying at least an additional {$200.00} in interest per month. They are deliberately withholding the funds from being applied to the balance of the loan and costing me extra money. I asked them about the reason behind it and they can not find a specific rule or passage that references why they chose to do that.