davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 n i made this clear for 60 days straight with XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-03-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Complete Credit Solutions, Inc. (NC)

According to NC XXXX XXXX Banks, the original creditor XXXX, is not license to provide loans in the state of North Carolina. Also, the collection agency has violated FCRA through harassing calls, threatening arrest and not able to validate debt with original contract.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom this may concern my name is XXXX XXXX XXXX, and I am writing this statement for myself. The accounts mentioned in this report should not be reporting on my accounts as they violate the federal credit reporting act according to 15 US code 1681-B- permissible purposes of Consumer Reports ( a ) in general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) by the written instruction of the consumer to whom it relates. I've never given these consumer reporting agencies my written verbal instructions to report anything on my consumer report which violates my right as a federally protected consumer. No consent is also identity theft. As a federally protected consumer, I am demanding the deletion and removal of these listed accounts immediately. 

ADDITIONAL UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

XXXX XXXX advised they would remove negative data from my credit report consisting of a late payment. 

Since then, I now have 2 late reportings from them on my report which is not true! I disputed this with the credit bureaus and they validated it which doesnt make sense because I wasnt late twice ever.
Consumer complaint received 2018-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC (CA)

Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX   '' and I, informed XXXX XXXX  of our finicial hardship. We ask XXXX XXXX  to work with us and informed iloan of our goal to avoid Chapter XXXX   bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need XXXX XXXX  to work out new repayment terms. We were unable to to Pay the Current excessive interest rate of 128 % on our loan and we were unable to Pay current excessive twice a month payment of {$270.00}, which equals {$540.00} monthly payment on a {$5000.00} loan Loan # XXXX I also let XXXX XXXX  know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX  i ask why my interest rate was set sooo high.

I am Veteran in process of becoming a XXXX  Veteran.

XXXX XXXX  has also threatened to sue me and refused to work with me.

I have not recieved a default letter by mail nor e-mail XXXX XXXX  refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms.

XXXX XXXX is refusing to work out an affordable repayment plan so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments.

I feel taken advantage of by XXXX XXXX XXXX lending practices I feel iloan took advantage of a Veteran who had a credit score of XXXX, I was provided an excessive interest rates and with excessive montly payments of {$540.00} on a {$5000.00} loan.

I was never sent a default letter my email nor by mail, XXXX XXXX  is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.

After reaching out to XXXX XXXX, they stated they were unable to work out a repayment plan.They also stated the current terms of my loan were fair.
Consumer complaint received 2022-05-04
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)

To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not supposed to share my information with third-party people. This is a clear violation of my federally protected consumer rights.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EQUIFAX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX
Consumer complaint received 2019-03-25
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. (TN)

Recently I reviewed my credit reports and saw there was fraudulent accounts and inquiries all of which I never opened nor gave permission. After submitting a dispute through the major CRA 's about this situation where these accountthat are not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. But upon checking my reports and credit history, the accounts identified remain on the reports negatively impacting my financial profile.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

A few months back I requested my credit report from Experian, XXXX and XXXX. I found multiple discrepancies listed on my credit file after recalerts that my information was found on the XXXX XXXX  with these agencies. That included places that I have never lived incorrect spelling of my name and accounts that do not belong to me. The last XXXX of my social security number being incorrect also. I went through the process of trying to have this information removed. I also submitted letters to them asking them to verify the information. They sent me the responses back may be about a week after submitting complaints to them stating that the information may be correct. I feel they didn't do a thorough investigation into the matter. I sent each copy certified return receipt. I still did not get any results because it cost {$8.00} each time you send return receipts and over time that gets expensive. Experian charges {$24.00} for a credit file lock and that gets expensive also.
Consumer complaint received 2019-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I had a fire in XXXX 2016. The insurance made an insufficient payment of XXXX. I was forced to sue the insurer while the home sat damaged. I secured XXXX after suing the insurer. Only XXXX was released despite having evidence the home was 50 % complete. After fighting with the AmeriHome Mortgage third party loss draft service XXXX more was released. This check was issued to me but my name was misspelled. AmeriHome Mortgage would not accept the check at its clearing house after my bank took the check and gave me full credit for it. Once I made the deposit my bank manager confirmed funds with the mortgage clearing house but when the check arrived they refused allow the transaction to be completed. Since then my mortgage continues to address the problem and make appropriate steps to get me repair funds. This act caused me to breach contracts with trades men, workers and subcontractors. It also cause my bank to cease all available funds that were not repair related. Having spent repair money fixing the home now my account is also overdrawn. I also have been forced to rent a house and I am paying for it from my own funds while my home is unlivable. This process has also delayed the repair completion time.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CA)

It's about Barclaycard visa card.

I applied and received this visa card since it offers promotional interest for large purchases. I used it to buy a laptop and an XXXX at the XXXX XXXX. At the time of the purchase, they offered 2 year deferred interest as long as I paid it off before the promotional period. I have been making extra payment to pay off the promotional balance. However, I noticed that there's still a residual balance even after I paid more than the statement balance. I called their customer service on XX/XX/19 and spoke with their representative and their manager. I was told there's nothing they can do because that's the way their system is setup. What has happened is their system has been applying my extra payment to transactions after the statement cut off date first. Therefore, even thought I've been making extra payments, it does not and never will be applying to the deferred interest balance. The only way is for me to clear the deferred interest balance is to make a payment for all transactions as of the date the payment is received by XXXX, regardless of what the statement balance shows. 

What does not make any sense is this is a Visa card. All payments should always apply to the balance on the monthly statement first, not transactions happened after the statement cut off date first. This is not a debit card. I think they do this on purpose so that they can charge consumers extra interest without formally telling them how they setup their system. Once again, another corporate fraud trying to trick honest, hard working American consumers. 

I think XXXX not only needs to revise the way their system is setup, but also need to pay a fine and penalty to all consumers impacted by this fraudulent setup. This is another fraudulent act triggered by corporate greed.
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2020, {$1400.00} XX/XX/2020, {$1400.00} XX/XX/2020, {$1400.00} and XX/XX/2020, {$1400.00} I Transfered the stated amount in four different occasions via XXXX. when I discovered its a fraud, I called my bank to retrieve my money from the recipients but they told me that because the money has posted that they can not retrieve it and that I should call the recipients to send the money back to me which I did but the recipients refused and did not want to answer my calls till date.
Consumer complaint received 2019-03-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (CA)

I contacted the company in an email that i can not make mt oayment on Monday, XX/XX/25, they will not extend my repayment until Wednesday XX/XX/XXXX, when i will have the money.
Consumer complaint received 2019-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation (TX)

Credit Card was reported as having fraudulent charges and notified the card holder. Was advised to destroy the card and new card sent out. Was advised to obtain a police report which was later obtained. When first reported I was advised to get a police report. Called the police out and tried to do the report online. Was advised that I would need to come to the station to file the report. Obtained the police report stating the amount and dates in question - case # XXXX, provide a copy of my driver 's license as requested. After some time I contacted the creditor and was advised that I needed to file a complaint with the State Attorney 's Office. Contacted the State of Texas police department which advised that the card holder would have to file fraud charges. Notified the card holder and was advised that I would have to file the complaint - meaning I would have to conduct the investigation on the fraud. Nothing within the contract states that upon fraud charges that as a consumer that I would be liable for the charges and/or the investigation. No investigation was conducted by the card holder. I advised the card holder that I would pay out my balance that I owed, less the fraud charges. The charges was even verified by the card holder that the transactions occurred in the state of Florida by manual key. I advised the card holder that during the time of the transaction I was in fact in the State of Texas and around the same time used the card at a car wash in Texas. The card holder a few day after notifying the card holder of the unauthorized charges that it was verified that the charges occurred in Florida by manual key input. This and was advised that it would be taken care of. The amount that was in dispute was {$580.00}.
Consumer complaint received 2022-01-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (CA)

I made a written agreement with NCBI credit management and they furnished me a letter stating they would delete the collection account and verbally told me so over the telephone in XX/XX/2021. They re-nigged on the agreement and now it is still showing up on my credit. I call them and I get nothing when I call 10 times a day several days in a row. This company is run by scam artists.
Consumer complaint received 2019-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

On XX/XX/XXXX, my XX/XX/XXXX payment in the amount of {$2800.00} was not applied correctly. {$1200.00} Interest amount was due ; {$1500.00} Principal amount I paid applied. 

Ditech Billing Statement for XX/XX/XXXX showing amount due of {$1200.00} for interest. 

I called Ditech on XX/XX/XXXX and informed about the mishandling of the payment I made for the month of XXXX. The customer service representative argued that it was applied correctly. I asked for a manager and was told there is no manager available. 

I then submitted a message using the Message Center option online. 

I follow up on XX/XX/XXXX, using the Message Center option online. 

In between all these attempts to resolve and apply for my payments appropriately for XXXX, I continued and paid the XX/XX/XXXX payment given the refinancing is not completed. The payment for XX/XX/XXXX, was issued on XX/XX/XXXX. 

To show proof that my account was completely mishandled by Ditech, there was no XX/XX/XXXX, due to date billing statement sent to me. I am providing you copies from XX/XX/XXXX through XX/XX/XXXX as a proof what was sent and able to obtain online. 

Meanwhile, XXXX, the new lender I was working with to refinance this loan, continued to work with Ditech. The payoff balance including interest per day amounted to {$380000.00}. 

The payoff process was completed on XX/XX/XXXX, and disbursement of loan money was done on XX/XX/XXXX. 

As you can see no adjustment made on payments I made for XXXX and XX/XX/XXXX. Which resulted in higher loan balance and interest before the payoff. 

On XX/XX/XXXX, I sent another follow up using the message center. 

On XX/XX/XXXX, Ditech returned portion of the unapplied payments I made for XXXX and XX/XX/XXXX in the amount of {$2500.00}. However, the full amount that I was expected was not returned. No clear explanation of how they derive the refund amount of {$2500.00}. See below copy of the check. 

To date, Ditech has not responded or sent the remaining balance of my payments. The bottom line on this complaint is that there is no interest payment due to this loan given it was already paid off. Ditech needs to return the total amount that was not applied at the time this loan was paid off. The remaining balance owe to me amounts to {$2700.00} which includes the interest amounts for XXXX {$1200.00} and XXXX {$1200.00} along with the remaining extra principal that I was not applied and not included on the XX/XX/XXXX, refund in the amount of {$110.00} ( {$2600.00} extra principal payments not applied : XXXX {$1500.00} and XXXX {$1100.00} minus refund of {$2500.00} ). Total amount issued to Ditech for XXXX {$2800.00} and XXXX {$2300.00}. 

I am hopeful for your assistance to review and forward this matter to this institution. If you need additional information, please email me at XXXX. 

Attached is a copy of all pertinent documents for this complaint. Thank you in advance.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

XX/XX/2021 a dispute about three different collection agencies balances was submitted. Those balance for those accounts haven't changed even though I've paid them. The balances also has changed with Experian, but it has with XXXX.
Consumer complaint received 2021-10-20
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.
Consumer complaint received 2021-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

XX/XX/2018 XX/XX/2018 XX/XX/2018 {$990.00} each I believe my info was sold to Ars which I believe is a violation of my Hippa rights. I would like for those accounts be closed and removed off my credit file. Ive filed a report to XXXX, XXXX  and XXXX and nothing was resolved
Consumer complaint received 2021-10-20
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. (PA)

For my XXXX report I apparently have a balance of {$2500.00} as of XXXX but for XXXX & XXXX I have no balance. I also had an amount due for XX/XX/XXXX, but the credit limit shows I had {$2000.00}. This information is makes no sense and it needs to be handled. Also if my date of last payment was XX/XX/XXXX how can I have a delinquency the same date. The payment history shows different information as well. 

For my XXXX report it shows I have no balance for XXXX & XXXX. On XXXX, XXXX, & XXXX it shows I have a balance. 

Experian doesn't allow me to download a report.
Consumer complaint received 2021-10-20
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. (PA)

For my XXXX report I apparently have a balance of {$2500.00} as of XXXX but for XXXX & XXXX I have no balance. I also had an amount due for XX/XX/XXXX, but the credit limit shows I had {$2000.00}. This information is makes no sense and it needs to be handled. Also if my date of last payment was XX/XX/XXXX how can I have a delinquency the same date. The payment history shows different information as well. 

For my Transunion report it shows I have no balance for XXXX & XXXX. On XXXX, XXXX, & XXXX it shows I have a balance. 

XXXX doesn't allow me to download a report.
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

chase has negligently, fraudulently and maliciously sent out cashiers checks in my address and account number to a person I have never heard of. 

This game chase has been playing has been going on for 4 months now,