davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

Equifax was notified XX/XX/2020 that the date of birth on their credit report was inaccurate. I have sent in all supporting documents and the issue remains. I now want Equifax to disclose who/ where supplied this information? As I can not get it corrected with a drivers license, passport, SS card, utility bill etc. I want to know who managed to change this with equifax? They are by law to disclose where/ who is the defining source of this information. I have requested this several times. I sent a copy of the equifax report, ( attached to this message ), circled the error so there can be no mistake as to my question on inaccurate information. To date equifax has refused to answer this. They do ask for a 5th time a copy of my drivers license. Sent via certified mail 3 times. 

This complaint is solely on who supplied the inaccurate information that equifax is believing. Show me their proof as someone had to go to extreme lengths to do this ... .as I can not, and I am legitimate. So disclose the source of this information. Who is reporting this? What documents does equifax have that changed my date of birth after 60 years.
Consumer complaint received 2018-12-19
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: SYNCHRONY FINANCIAL (MO)

I have two different hard inquire and I recognize one it was my credit card from walmart in XX/XX/XXXX but i nave otherone from XX/XX/XXXX and I receive a letter that both are the same it doesnt make same to me in my credit report i need to get a accurate result. 

Synchrony XXXX, GA XXXX ( XXXX ) XXXX It was XX/XX/XXXX. It is not mine. 

Institution Information XXXX/walmrt XXXX, FL XXXX ( XXXX ) XXXX This is my walmart credit card from XX/XX/XXXX. 

More question i got a letter from XXXX  XXXX  but i dont know what i need to do in order to clean or remove this inquiries. 

XXXX XXXX Cards they made mistake because they opened two different cards the same years and i used only one the other one was by error. 

Last issue that i have is XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. i dont have contact information in order to fix this inquire. What i need to do I will appreciate your help.
Consumer complaint received 2022-03-07
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. (MI)

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 DEPT OF ED / XXXX XXXX
Consumer complaint received 2022-03-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

They call 8-10 times over a 20 min period daily from different numbers and use different agents. They call at 830-850 in the morning, during my work hours. I have asked them to stop calling until after 5 and they refuse. The agents are all professional but the company does not have anything set up to stop this from happening. Even after saying I was going to file a complaint they continued.
Consumer complaint received 2018-12-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

I received a notice from Wells Fargo Home Mortgage in the middle of XX/XX/XXXX that there was an escrow shortage and I could pay it in advance. Otherwise, my monthly mortgage payments would increase. ( I have received these notices in the past with other mortgage lenders, including with this lender, have paid the escrow shortage and my monthly payments remain the same ). But in this case, I paid the escrow shortage on XXXX XXXX by check, but my mortgage payments still were increased effective XX/XX/XXXX! I called their Customer Service number in XXXX, inquired why my mortgage payments still increased when I had payed the escrow shortage in advance? Their response was that they may not have gotten all the advance notice of increase in property taxes in time and that was the reason for the increase in mortgage payments. I responded that this didn't make sense. They apologized but that was their explanation.
Consumer complaint received 2018-04-10
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a student loan that was sent to a debt collection called TransUnion. I have never received mail from this company stating that my debt was forwarded to them. I had to find out through XXXX XXXX. I have never received a call from this company about my debt. I have tried to get a hold of TransUnion for several months since then, but no one ever answers my calls. I have even left voicemails with a phone number to reach me at, still no replies or calls back. On XX/XX/XXXX, I filed a dispute through XXXX XXXX. The dispute was submitted to TransUnion that same day and was under investigation the day after. TransUnion received my request on XX/XX/XXXX. The company had 30 days from then to respond. Today is XX/XX/XXXX but the dispute status still says " under investigation ''. I have not received a response by phone or by mail.
Consumer complaint received 2021-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (FL)

I advised Choice Recovery that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They initially removed the debt then added it back. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. I want this {$25.00} collection removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.
Consumer complaint received 2018-05-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am coming to this bureau regarding a very serious concern of mine regarding my Toyota lease. In XX/XX/XXXX/XX/XX/XXXX of XX/XX/XXXX-XX/XX/XXXX I was concerned as to why my credit dropped OVER a hundred points and noticed right away that Toyota Financial had reported me as a delinquent on my lease. I have been in contact with them a lot regarding renewing my lease and potentially acquiring a new vehicle and never once had they mentioned to me that I was overdue on a bill that was supposed to be on AUTOPAY. I have always used autopay and only in emergency situations when I travel do I request statements. In these months I had not been made aware that my autopay was not successful nor that the autopay was somehow disabled. As a result I have no way of seeing or obtaining a statement from them because this was on automatic servicing. I receive don e-mail, no mail at ty address and what is most shocking is that I received not ONE SINGLE phone call to warn me or protect me. I am so shocked and confused at this company and how they can repeatedly try to sell and re-sell cars to me and yet they can not even contact me regarding an autopay issue and a payment that was nearing its due date. I had gotten my payment in before my grace period as far as I was concerned and yet they still reported me 30 DAYS late. This is abuse of power and a terror to consumers! How can they be a financial institution and yet the sit there and wait until more than enough time has passed by so they can tarnish my credit, charge me astronomical interest and late fees and smile there way through our conversations about me being such a great customer that I qualify for a new car??? 

It is in their professional duty to inform consumers if there is an issue so that these horrible situations can be avoided. But it seems to me that Toyota Financial is the greediest and most deceptive company. I have called every possible phone  number in a an attempt to reach the dispute department but there is NO one there and no direct number and one can only communicate through their unprofessional and ill informed customer service agents situated in other countries who barely understand me. I have always been an excellent customer and these zero tolerance zero heart policies HAVE TO STOP! These companies constantly justify themselves and we as consumers feel and are absolutely powerless. How can they not understand a human situation and a electronic mishap? How can they not assume or believe or understand that mistakes happen and that they are NOT always right! I am going to pursue legal action for the damages done to me if someone does not help me. I implore your help on this website, please. I am running out of time and want to purchase a new car and can no longer. Also as a result of this my new interest will be out of this world high. This is unfair and not right.
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NJ)

I purchased merchandise from Macys.com on XX/XX/2016. while it offered macys ' money as incentive to use later. I earned some Money 's money but did not use it all. There was only one week window to use Macys ' money. 

Later I returned one of the products due to its quality. Macys deducted {$20.00} from the money I paid for the merchandise. The merchandise is {$70.00} which could n't earn {$20.00} Macys ' money. Yet, Macys ' took {$20.00} from me. I have contacted Macys several times, but it has refused to credit {$20.00} back to my credit card.
Consumer complaint received 2022-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (IL)

I was contacted by PayPal on XXXX telling me there has been unusual activity on my account. I told them I have PayPal account but I never use it. I was told someone had sent XXXX laptops to a certain address on XXXX in my name. The total was for {$600.00}. The invoice # XXXX. I told them no I'm XXXX  XXXX and I'm living off of XXXX XXXX, so there's no way I could even afford this. I first spoke to XXXX ( XXXX ), then I spoke to XXXX XXXX XXXX ) Case # XXXX. I was told they would investigate this and get back to me. I didn't hear back from no one. Then on XXXX I got another call from PayPal saying there had been some unusual activity on the account. They told me there was XXXX, XXXX, XXXX sent to different places. I was told there was XXXX sent to my account around the same time. I asked them why didn't they flag my account the first time that happened. On XXXX They sent me emails saying I owe them XXXX because the XXXX was sent by mistake. I had checked with my bank and there wasn't any deposits in that amount sent to my account. They told me they better get that money from me or else. On XXXX I received a collection notice from PayPal for XXXX. I just received a call from them around XXXX saying someone had sent a tv to California for XXXX. I just hung up on them. I have been depressed and so overwhelmed by all this madness. But now I'm angry and ready to fight.
Consumer complaint received 2019-11-10
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (IA)

I was contacted by phone number XXXX XXXX XXXX How you were contacted by phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX ( XXXX ) XXXX The date you were first contacted was XX/XX/2019 3 payments of XXXX up front payments XXXX Checking account The date you were second contacted XX/XX/2019 3 emails Scam Lost {$1100.00}
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion, XXXX, & XXXX continue to report incorrect late payments on the account listed as XXXX XXXX XXXX  for the month of XXXX. I would like the documents used by each consumer agency that proves I was indeed late with this payment. This late payment is hurting my consumer report and causing me to be denied credit.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2018-04-26
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: CITIBANK, N.A. (NJ)

I paid off my vehicle in XX/XX/2009 and I'm now finding out that company never released the lien on the title. The company is now out of business. Please help, any assistance will be greatly appreciated. Thank you.
Consumer complaint received 2019-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MA)

My account was as opened on XX/XX/2019 with commodity-Bank / XXXX card MasterCard awards with a {$5000.00} credit limit I paid my first statement and four went to make another payment statement they close my card for too many inquiries as Ive never been late I think they are doing illegal and unfair business practices and they should definitely be investigated Im not the only person who has had this issue with this bank. Actually ruin peoples credit by what their business practices are doing with what theyve done they dropped my credit 100 points and I think it should be reversed
Consumer complaint received 2019-11-10
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. (NC)

I recieved my credit report from XXXX  and i immediately noticed my name. Was correct and the body of the letter was addressed to someone else. After going over it more closely this person has filed chap. XXXX bankruptcy!!!! I was wondering why my score was so low. I notified everyone of those at credit reporting agency. And nothing. I would like to pursue legal action against these credit bureaus because they have made it where i have to pay cash for everything anyways.
Consumer complaint received 2022-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Hello; My name is XXXX XXXX and I'd like to file a formal complaint about my current mortgage service provider, Rushmore Loan Management. 

I applied for a loan with the Emergency Rescue Mortgage Assistance in the state of New Jersey. program back in XX/XX/2022. In XX/XX/2022, I received a message from ERMA stating they are awaiting paperwork from my provider in order to proceed with the underwriting process. I spoke to my mortgage provider about getting the paperwork to ERMA and kept getting the runaround. All any customer service representative wanted to discuss was a deferment. I advised I had secured means to bring my past due balance completely current but all I was offered time and time again was a deferment.

I recently came acrossa XXXX channel where the consensusis that mortgage companies ( including Rushmore ) are purposely NOT providing information to these state funded assistance programs and instead forcing lenders to take a deferment with a balloon payment instead of using the assistance programs to bring the account current? 

I checked to see if Rushmore was a participating lending company for this program with the State of NJ and they are listed. Why would a company sign up to be a part of a program and intentionally manipulate the odds in their favor? This definitely should be investigated, on the XXXX, some people affected claim that they were declined the assistance from ERMA due to the lender not providing the paperwork AND the mortgage company then refusing the deferment offer, putting the homeowner into foreclosure. These are unfair business practices that I wanted to bring to someone's attention. 
Thank you for your time in this matter.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Belk Rewards Card ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.
Consumer complaint received 2020-06-06
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: Rausch Sturm LLP (WI)

A judgment was levied against me after credit card debt was sold from XXXX to XXXX  XXXX XXXX, and I was XXXX  XXXX and on Social Security XXXX. I did not even know there was a judgment against me until I began to look for apartments and realized that suddenly no one agreed to rent to me unless I paid a year 's rent upfront, which was and has been impossible. The law firm that rendered the judgment will not remove it and I can not afford to pay it. My understanding has been that because I have been XXXX  XXXX, this judgment should not have been rendered in the first place. 
This judgment occurred sometime in late 2008. It is for {$12000.00}. ( I desperately need to move from a dangerous living situation, but no one will rent to me as long as this judgment remains. ) Apparently, this occurred with many individuals and a class action suit was filed against XXXX and XXXX  XXXX XXXX. But the attorney, XXXX XXXX, who issued these judgment has refused in general to remove them.
Consumer complaint received 2020-06-06
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. (IL)

I have previously disputed my bankruptcy with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response which was sent you you multiple times stated the opposite. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have 2 hard inquiries about XXXX XXXX XXXX XXXX  on my file and the credit bureaus are telling me they cant be removed because I have to contact them directly. So when I contact them directly I get the run around they tell me to contact the credit bureaus and 15 usc 1681 tells us that anyone who fails to comply with any requirement imposed under that certain sub chapter is liable to the consumer and my credit and living has been affected its inaccurate and it states I could get from {$100.00} - {$1000.00} for false pretenses.