davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-12-26
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: Experian Information Solutions Inc. (NY)

Experian is a fraud company and advertising falsely that you can see your credit information on the credit check total. However, I have same day reports from Experian and credit check total and it's not the same. I've paid for months for this fraud service and now I see it's a total scam.
Consumer complaint received 2018-12-26
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. (NY)

I got a few XXXX XXXX  XXXX accounts which are long time closed. Experian reports it as open and inactive which causes me damage. Yet Experian refuses to update it or dispute it.
Consumer complaint received 2020-08-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC (NC)

On XX/XX/2020, I walked into XXXX XXXX to obtain credit for a new living room suite . The young lady did tell me it may take a few days to get the merchandise due to the coronavis, I was ok with that. On or around XXXX XXXX I contacted the warehouse to find out about the merchandise I was told it was not in and i should just wait for a phone call. I then contacted XXXX on or around XX/XX/2020 to cancel my contract it was then they tried to contact the warehouse about the furniture i purchased and they couldn't get in touch with anyone. From XXXX  i was told i had to wait on someone to contact me about my account. I was contacted on XX/XX/2020 but i was unable to accept the call i was at work. I called on XX/XX/2020 to cancel again and they still tried to contact the warehouse to no avaliability. So on XX/XX/2020 I just wanted to cancel my account completely and go elsewhere. I was contacted by the warehouse and was told that i could have picked out another suite or something differet and it wasnt her fault that my suite hasn't been delivered and won't be deliver until XX/XX/XXXX to the warehouse. So i told her noone contacted me until i wanted to cancel my order. So she says it's 25 % to cancel and I'm like 25 % to cancel and I never recieved anything not even a phone call to keep me in the loop about my order? That 25 % they want me to pay to cancel could have went to the purchase of the XXXX XXXX I have XXXX kids and I can't afford to give and extra 25 % for something that we can even sit on that is crazy and absurd. I have never dealt with either company but i will not recommend friends, or family because this business practice is unacceptable and unorthodox if i have to wait 3 months for merchadise that i had to pay {$50.00} upfront for I could have went somewhere else less complicated and less money hungry.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Midstate Collection Solutions, Inc. (IL)

XXXX XXXX XXXX and Midstate Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name : XXXX XXXX Bankruptcy  : XXXX ( XXXX XXXX XXXX Illinois ) This collections entity is using data and sending informtion to XXXX and other credit agencies/repositories that lacks integrity. It reports DEROGATORY remarks and reported my Bankruptcy incorrectly. There should not be a flagged Credit Reporting issuance for Bankrptcies that are discharged for anything included ( Which XXXX was included and my attorney and the courts sent them & Midstate ALL informaiton and discharg info ) It not only impacts consumers in many aspects of their lives but violates Bankruptcy laws and Fair Credit Reporting rules and can be construed as oppressing individuals using the system to categorize, deny jobs/employement and housing and credit and other things. Credit Reporting and attorney has been contacted. The buying/selling and sharing of consumer private information and using it to target and using the credit reporting system to share data that should not be pursued in order to deter people 's future, records, collect money that was in bankruptcy should be illegal.
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I contacted Rushmore Servicing and ask to speak with the refinance department. I was told they didnt have one but they would give me to someone that did refinancing for them. I called that company gave them all my information only to be told that they couldnt help me. XXXX XXXX  sold thus mortgage to Rushmore. I need to refinance this loan that XXXX XXXX  gave me because I am a Senior Citizen and the monthly payment us getting to high for me to handle. I had asked XXXX XXXX  to give me a forgiveness refinance loan because the house was inside down. But it isnt a fixed loan so the interest rate and the payment is too high. My loan number is # XXXX with Rushmore. I need help {$1800.00} interest rate is 4.71.  Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Consumer complaint received 2019-09-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AC AutoPay LLC, Denver, CO Branch (NJ)

On XXXX I agreed on a purchase price with the seller for a XXXX XXXX XXXX on XXXX. I was then contacted by their financing partner AUTOPAY on XXXX who claim to provide stress free financing where they take care of all paperwork and essentially act as a middle-man dealer between two private parties. Between XXXX and XX/XX/XXXX I provided all requested documentation and was approved for a loan. Final loan documents were then supplied by AUTOPAY, with numerous errors ( counterparty name, interest rates, and other crucial pieces of information ), after notifying the firm of the mistakes the loan documents were resent and finalized by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX AUTOPAY did not return any requests for information or status of the loan. On XX/XX/XXXX the lender requested a few final pieces of information, all of which was provided within hours. I was then instructed to wire AUTOPAY the down payment, which was sent and confirmed received on XX/XX/XXXX. After confirming the receipt of the wire, AUTOPAY stated it would be a few days maybe when I inquired as to when I could pick up the car and register it. Following this promise there was minimal communication until XX/XX/XXXX when I was told it would be completed by XX/XX/XXXX no problem. On XX/XX/XXXX there was no communication and when I called to inquire they acted as if they did not know what the hold up was. Since XX/XX/XXXX they have made no progress and continue to push off giving explanations as to what is taking so long. 

Not only have I had to correct loan documents, and title process ( they were grossly unaware of how titles work in NY state ), but I have also spent countless hours on the phone waiting on hold just to be disconnected or told they will call me back which has rarely happened. 

To date I have not only paid them a {$490.00} financing and paperwork fee but have been out my $ XXXX down payment for a month, paid a full months insurance on a car ( {$100.00} ) I do not have and have had to pay {$22.00} per day to get to and from work via public transportation. 

They have not only mishandled numerous pieces of information, been extremely untimely and provided false promises but have also cost me a $ XXXX+ in incidental costs due to their mistakes. 

I would highly recommend staying away from AUTOPAY and their affiliates.
Consumer complaint received 2018-12-26
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. (AL)

I have tried to get three credit bureas to send validation on accounts on my credit reports only to get reports back saying that the accounts have been verified. This is not validation. Asking for signed documents of my signature on accounts that have been disputed by me. Accounts were disputed three times since XX/XX/2018 thru XX/XX/2018 and credit bureaus say they are verified. Need validation on accounts or remove from credit report. Equifax : XXXX XXXX judgement for possession of apartment only, no money judgement by court, this account is reporting as deceptive and unfair practices. 
XXXX XXXX no validation, statement is account has been transfer/sold. XXXX XXXX no validation on account creditor sent out deferred payment agreement on account that has not been validated.XXXX has same accounts XXXX XXXX, XXXX XXXX, XXXX   XXXX, and also Bankruptcy chapter XXXX that I have letter from Bankruptcy court that they do not verify information with credit bureaus.I also have placed a freeze on XXXX.XXXX has XXXX XXXX, XXXX XXXX, XXXX  XXXX, and Bankruptcy chapter XXXX. Documents attached. Thank You. 
.
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (PA)

I have sent all three credit bureaus three level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
Wells Fargo
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank Of America Acct # XXXX In XXXX of XXXX I did an EFT from my savings acct at XXXX to my mortgage loan at Bank Of America. The representative for BOA credited my mortgage loan XXXX but did not debit my account at XXXX {$120000.00}. In XXXX, I then received a payoff in the mail from BOA in the amount of {$150000.00}, on XX/XX/XXXX I made that payoff of {$150000.00} and received A CONGRATULATORY LETTER and my note stamped PAID IN FULL. 
In XXXX of XXXX, I got a nasty letter from BOA demanding {$120000.00} within 48 hours or my loan would be reinstated. I was unable to come up with {$12000.00}. Shortly thereafter, I received another letter from BOA stating my loan had be reinstated and the new balance was {$130000.00} with an interest payment of {$430.00} and principle payment of {$1100.00}. 
I had missed 7 payments due to Bank Of Americas error. If my interest charged with each payment is {$430.00} x 7 ( months ) = {$3000.00}, BOA had charged me {$10000.00} in interest!!! Which means they charged me {$1500.00} per month in interest vs {$430.00} BOA overcharged me {$7800.00} in interest
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Credit Solutions (OH)

I received a threatening telephone call today from a collection agency named XXXX XXXX XXXX ext # XXXX. The female collections person stated that I owed {$550.00} on an old credit card with XXXX XXXX. The collector said that if I don't pay the {$550.00} today then she would start calling my job and harassing me. The female collector also wanted me to give her my debit card number and I told her no that and that if I owed this debt I asked her to send me a statement via email she would not comply. I also told her if I owe this debt then I would pay by check depending on the payment options that they can give me once it is verified that I owe this. Can you provide any assistance? I don't want this collector to call my employer, harass me, and I wind up losing my job.
Consumer complaint received 2019-09-16
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-09-16
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Debt Recovery Solutions, LLC (TN)

Debt Recovery Solutions ( XXXX XXXX XXXX ) was set up on my checking account and they continue to deduct payment out of my account even after they was paid off. I received several phone calls from Debt Recovery Solutions threating to put out a warrant for my arrest for blocking them from going in my account. As of XX/XX/XXXX, they are still reporting to the XXXX with a balance of {$350.00}. The opening date shows XX/XX/XXXX, and this is also incorrect. I do not owe this debt and I feel that this predatory company Debt Recovery Solutions is harassing me and continuing to pull my credit down for a debt that I do not owe.
Consumer complaint received 2018-12-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CA)

I originally borrowed close to {$50000.00} for graduate school. At the time, I borrowed from XXXX XXXX at the time a reasonable interest rate of 4 %. During the period of two years the rate was consistent, but then was transferred sold to a XXXX bank and had ballooned to 9 %. Now, I owe close to {$400000.00} since 1997. I have never been able to pay the monthly payment and have since enrolled in an IBR. I have also applied for the Public loan forgiveness program in Hope 's of salvaging some sort of life with this debt. I was never made a ware the loan could reach such heights with the end result of all that investment leading to a trap. It's unfortunate everyone is vulnerable to such bad lending practices. Please help us.
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

I got a copy of my XXXX credit report XX/XX/XXXX and upon reviewing it I found an account that is listed in collections from a medical provider for {$110.00}. The claim on the report is that this was reported in XXXX of XXXX but I paid this in full in XXXX of XXXX. I have a copy of the invoice /bill with the credit card slip that shows the payment. The information in the report suggested contacting the CFPB. I called the agency and spoke to a representative and I'm now filing the complaint against each of the credit reporting company and the collector reporting it.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (NJ)

Collection agent : AARGON COLLECTION ACCOUNT # XXXX According to the FAIR CREDIT REPORTING ACT, section 609 ( a ) ( 1 ) ( A ) credit bureaus are required by law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report or remove the accounts from my credit report.I am NOT asking for a bill or an invoice of a bill of this alleged debt.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I recently pulled my credit report and noticed a few incorrect addresses. I live at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX and that should be my only address on my report.
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (FL)

Land Home FS is unlawfully asking me to pay the amount of {$15000.00} while accepting there are not pending insurance issues and being aware of the limits shown by the Permanent Modification Agreement. 

When XXXX XXXX filed the wrong foreclosure not only made the false statement that I was in default when I was not as proved in Court on XX/XX/2018, but they also claimed the wrong amount of {$5300.00} when the right amount in the case of a real default should be {$1000.00} ( 6 months by {$170.00} ) according to the said modification. 

For Land Home FS be asking now {$15000.00} is triplicating XXXX initial abuse and by supporting a wrongful filing foreclosure in the hope to bargain that unlawful amount, LHFS is incurring into an intentional wrongful act which involves a legal action that is materially deficient, a real perversion of the legal system.
Consumer complaint received 2022-03-18
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (MO)

Our home and outbuildings were damaged by a hail storm on XX/XX/2019. Our insurance company issued a check for repair and replacement in the amount of {$64000.00} that was issued to us and our mortgage company. The funds are being held in escrow and, after months of submitting contractor documents, receipts for work paid for, the mortgage company refuses to release any funds. We requested a 50 % inspection so some funds could be released and the inspector sent her son who was not qualified to do the inspection ( which we failed at 32 % ). Our loan has recently ( XX/XX/2019 ) been transferred and after speaking with the new loan servicers we were told that we would have to start the process all over from the beginning as the documents we have originally submitted did not carry over to the new servicers. We have depleted our entire savings account paying for the work that has been completed on our home : Big Shed doors ( {$4800.00} ), front entry door ( {$2400.00} ), shop garage doors ( {$3200.00} ), bay window ( {$1600.00} ). We have a  new roof that has not been paid for because they are also doing the siding on our home. The siding is lying in our driveway ( for one month ) waiting for us to get the bay window installed. I should mention that I have been given conflicting information every time I call the loss claims office. One person says I need to submit a surety bond, another says no, one says I need to request an exemption for work on outbuildings and then it is rejected, etc.
Consumer complaint received 2022-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022 I sent XXXX a certified letter along with a return receipt. 

In accordance to the Fair Credit Reporting Act XXXX  Account Number # XXXX, has violated my rights. 15 U. S. C 1681 section 602 A. States that 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 an account without my written instructions.
Consumer complaint received 2019-09-13
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)

I'm a victim of identity theft, I've also a victim of the XXXX data breach. Accounts has been opened up in my name inwhich I have no knowledge of. In particular the following accounts are not mines, therefore I'm asking that they be removed or support by certified physical documentation. Please remove the following accounts. 

1. XXXX XXXX {$12.00} 2. XXXX XXXX XXXX {$130.00}
Consumer complaint received 2023-08-01
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. (FL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.