davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (WA)

Loan Depot XXXX. XXXX. I shopped around for mortgage lenders and compared fees. I ended up going with Loan Depot, Loan XXXX XXXX XXXX who promised me Loan Depot would meet or beat any lenders price and fees. XXXX also told me he would cover the costs beyond my deposited amount of {$490.00} required for the appraisal to get the appraisal scheduled. I was very adamant about not wanting to pay more than {$490.00} in total for the appraisal albeit on my credit card or added to the closing costs. He agreed and said he would cover it. I felt comfortable accepting his word because every time he said WE WERE ON A RECORDED LINE. When the appraisal was done, the costs of the appraisal {$1800.00} - {$490.00} were added to the loan. I asked him to fix it and he didn't respond for almost 10 days. XXXX XXXX who works with XXXX reached out to me for more documents which I immediately provided. I told XXXX to elevate the issue since I had not heard from XXXX and that LOAN DEPOT committed to cover the appraisal costs beyond {$490.00}. She said she would listen to the recorded calls. I then received a heated call from XXXX XXXX, XXXX 's manager who said XXXX did not make this commitment and that I either pay or they would refund my deposit and cancel the loan. I asked him to play the recorded calls to hear XXXX 's commitment and he wouldn't. I then got an email from XXXX 's replacement, XXXX XXXX, asking me to fund the closing amount on the loan. Also advising that XXXX was no longer with the company. I then called Customer Care at Loan Depot and after 7 tries, XXXX XXXX agreed to listen to the phone calls and call me back with her findings the next day. She didnt call so I called and talked to XXXX XXXX who put me on hold for about 3 minutes. He then told me management listened to the calls and didn't hear anything regarding a commitment for the appraisal costs. I asked to hear the recordings and the call logs to verify it against my cell phone which tracks this log and time duration of each call. XXXX said no and that he couldn't help me any further. I bought down to a lower interest rate and now rates are higher. I want this refinance. How to I prove Loan Depots commitment if I can't obtain the recorded calls? Do recorded calls only work for the benefit of the lender and not the consumer. Thanks, hoping for a positive outcome. Loan depot now closed my loan and plans to.refund my {$490.00}. This is unacceptable.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times. 

Also my name, all the incorrect spellings of my name needs to be deleted.I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times.

Also my name, all the incorrect spellings of my name needs to be deleted.
Consumer complaint received 2022-04-12
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX Original creditor : XXXX ADVANTAGE : Balance {$660.00} XX/XX/XXXX PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX BANK XXXX XXXX. Original balance : {$730.00} XXXX XXXX PORTFOLIO RECOV ASSOC Original creditor : SYNCHRONY BANK Balance : {$860.00} XX/XX/XXXX CREDIT COLLECTION SERV Original creditor : XXXX XXXX IN. XXXX XXXX : Original : XXXX XX/XX/XXXX 2020
Consumer complaint received 2023-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: RENASANT CORPORATION (MS)

Renasant Bank changed the way its website works and I've had difficulty accessing my account. The bank has sent at least one text to my current mobile number, which means they have the correct one on file. 

However, the bank insists on sending a one-time code and only shows my old number, which I can't use for security reasons. 

There used to be other alternative ways to securely verify my identity, but these options aren't a part of this new digital rollout. 

No one is answering the phone number they've provided for people having issues with their accounts. I haven't been able to access my bank information for about XXXX business days or get ahold of the appropriate person. Per various XXXX searches, I can see I'm not the only person with these issues.
Consumer complaint received 2022-04-12
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. (TX)

This is a followup complaint due to my first complaint being returned as fraudulent. I am the sole person completing this complaint without the help of another party. I take my credit file very serious and I know that the credit reporting agencies are committing fraud against me. It is either the XXXX or Transunion or the companies that pay them to report invalid and incorrect information on my report. Pursuant 15 USC 1681 ( a ) ( 1 ) Congress states that the banking system is dependent upon my credit file to be fair and accurate. The listed items I have continued to have the credit report agencies correct have fallen on death ears and blind eyes. I am giving my written instruction now and demand that the following be removed from my credit report : XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( misspelling of my name ), Chapter XXXX Bankruptcy XXXX and XXXX ( this is NOT MINE ), XXXX XXXX and XXXXXXXX XXXX XXXX ( this is NOT mine ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( misspelling of my name )
Consumer complaint received 2024-03-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX. Please see the attachments.
Consumer complaint received 2022-04-12
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. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-12
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-04-12
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)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-12
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. (MO)

Upon reviewing my credit file, incorrect information were was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$200.00} XXXX : XXXX XXXX XXXX Balance : {$200.00} Equifax XXXX XXXX XXXX Balance : {$200.00}
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XXXX XXXX a person called me, pretending to be USAA spoof from a phone number that looked identical to my bank. He told me he was from the fraud department collected. My had already collected all of my information on my account login to commit a scam telling me he was from my bank fraud department while we were on the phone. He transferred money around and threw XXXXXXXX XXXX to an account he had established. I told USAA immediately to stop the payments on this when I figured out that it was a scammer, and they clarified they had not called me, however they would not stop the payment and now they will not refund me for fraud or do anything about the scam that happened to me
Consumer complaint received 2023-06-08
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. (AR)

I sent a letter on XX/XX/XXXX to remove some items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and need to remove : 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-13
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I received a letter from this company to learn I had multiple account for XXXX XXXX hospital in their office. Being this was the first time I had heard about these I called right away to ask to make payment. Initially the first rep used scare tactics to obtain my employment information. I refused and provided him with my personally identifiable information and refused to answer the unnecessary employment question. The rep then became very abrasive and combative when he gave me an amount different than the bill amount ( {$430.00} on the bills and he told me {$860.00} ) so I asked to speak with someone else. At this point I was placed on hold for several minutes at which point the rep ( XXXX ) came back to the line and it appeared he had no one else on the phone with him nor did he say anyone else was on the line. He told me if he transferred me I would have to go through this again, is that what I want!?. Taking this as a threat I once again asked for a supervisor to which point another rep named XXXX XXXX abruptly and without warning chimes in on the call and started to hammer me again for the verification information. XXXX was gone and I was now being asked again about my employment. At this point when I declined I was confronted with why I was refusing the information. When I responded asking why it was required XXXX proceeded to tell me it was federal law that I verify my employment when asked. Given I knew this was a lie and yet another scare tactic I asked to speak with XXXX XXXX or XXXX XXXX. XXXX then responded to that request with, why is it because shes your Aunt? Offended and further threatened by me a his XXXX seeming knowledge of my aunts name and employment I hung up the call in a fear for being threatened by this XXXX. He told me if I hung up Id never be allowed to call there again and they would refuse my payment but I hung up any way. I want this investigated and XXXX to be reprimanded
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX Credit Bureau has not XXXX XXXX the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX. XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX XXXX XXXX : {$1700.00} XXXX. XXXX XXXX XXXX Balance : {$860.00} EQUIFAX XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$2000.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX  XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Late/Closed XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} 11. XXXX XXXX XXXX XXXX : {$1700.00} 12. XXXX XXXX XXXX XXXX : {$860.00}
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

Collection company placed debt on credit report on XX/XX/18 that was not verified to be my debt. Notification of debt was never received. I do not owe this debt. 
SECURITY CREDIT SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX is the company for {$1700.00}.
Consumer complaint received 2023-08-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (NC)

I made a purchase of used XXXX XXXX, still under warranty, I was made to add Gap insurance and the APR is not the same as the intial contract, a retail installment contract that misrepresents itself, A Third Party is in fact, the lienholder.I did not make a deal with a third party and a copy of my signature has been used more than 5 times in this paperwork., I seek a legal remedy for this.Remove from my credit, it shows late payment and that's against the law, USC 1666b , no late payment, USC3123 All Debts are Prepaid and HJR-192, obligation of the President.I have over 14 inquiries on my credit, I only authorized 1.
Consumer complaint received 2022-04-12
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)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 2. XXXX XXXX Balance : {$0.00} 3. XXXX XXXX XXXX XXXX Balance : {$340.00} 4. XXXX  XXXX XXXX Balance : {$0.00} 5. XXXX XXXX Balance : {$0.00} 6. XXXX XXXX Balance : {$0.00} 7. XXXX XXXX XXXX  XXXX Balance : {$0.00} 8. XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$3400.00} 9. XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} 10. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$2000.00} 11. XXXX XXXX XXXX Balance : {$1700.00} 12. XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX 1. XXXX XXXX Balance : {$0.00} 2. XXXX  XXXX Balance : {$2000.00} 3. XXXX XXXX Balance : {$0.00} 4. XXXX XXXX XXXX  XXXX Balance : {$0.00} 5. XXXX XXXX XXXX Balance : {$1700.00} TRANSUNION : 1. XXXX XXXX XXXX : {$0.00} 2. XXXX XXXX Balance : {$0.00} 3. XXXX XXXX  XXXX Balance : {$0.00} 4. XXXX XXXX Balance : {$0.00} 5. XXXX XXXX Balance : {$0.00} 6. XXXX XXXX XXXX XXXX Balance : {$0.00} - Late/Closed 7. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} 8. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} 9. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} 10. XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} 11. XXXX XXXX XXXX Balance : {$1700.00} 12. XXXX XXXX XXXX Balance : {$860.00}
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On XX/XX/2024, I sent letters regarding inaccurate and unknown things on my credit report. To this day over 90 days ago, I have not received a response back. I feel like I am being taken advantage of and that I'm not being taken seriously. XXXX ( a ) states that failure to investigate these items from within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach. and may have gotten into the hands of the wrong person.