davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have made attempts to resolve this matter with Experian via letter and by phone. 

XX/XX/2020, I submitted a dispute letters regarding information that XXXX XXXX and XXXX XXXX XXXX provided to Experian. In such correspondence, I advised that the actual payment amounts were incorrect. According to the certified mail records, Experian received these letters on XX/XX/2020. I have not received a reply to my disputes. 

I contacted Experian via phone on XX/XX/2020 regarding the disputes, only to learn that they had no begin to work on the disputes. I was advised that my letters may still be in the mail department. I advised Experian that I sent a certified letters on XX/XX/2020 and that they received them on XX/XX/2020. In the telephone conversation I requested that these account be removed from my credit report immediately. I was advised that they would initiate a dispute and it may take an additional 30 days to resolved. 

I am applying for disaster relief funding ( which is time sensitive ), and would like to have this matter resolved promptly as it negatively impacts my credit score.  My original dispute was filed 45 days ago ( on XX/XX/2020 ). Experian has had ample time to resolve to this dispute
Consumer complaint received 2017-08-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

To Whom It May Concern I fell behind in my mortgage payments. Applied for a Modification of my loan payments. I was denied for a modification by Penny Mac. They claimed that my income was n't sufficient and that I needed to earn an additional {$200.00} per month. So I rented out a portion of my home to make up the difference. I was told I would get a new customer relationship manager. But I have never heard from her or spoke with her after leaving several messages and calling multiple times. I finally reached someone and they told me send my updated documentation overnight certified mail, which I did. I show a deliver date of the documentation. They have yet to say that they have received those documents. I had also faxed in the documentation. They requested additional information that I have also provided to them. They also indicated that now maybe I now earned too much income to qualify?? I am at a loss as to why no one has reached out to me and why when I speak with one person I am told one thing and then when I speak to another person I get told something different. I want to keep my home and I feel that I have provided enough documentation and supporting materials to show that I am qualified to have a loan modification. Penny Mac has a FC sale date set for XX/XX/XXXX and so I am out of time. I feel that I have unjustly treated and not provided the correct information to allow me to meet the guidelines. How can Penny Mac take my home for not having {$200.00} extra per month and then later having too much income. Please help! Please advise! Sincerely,
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account name : XXXX XXXX XXXX  Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX  XXXX XXXX Account number : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX. Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX The above mentioned accounts were opened without my knowledge or consent. I believe this incident occurred due to the theft or misuse of my personal information by an unknown individual ( XXXX ). To mitigate any further damage caused by this unfortunate situation, I kindly request that you take immediate action to block these unauthorized accounts from appearing on my credit report.
Consumer complaint received 2019-10-29
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: ALLY FINANCIAL INC. (IL)

Hello, We desperately need to obtain the title OR a lien payoff letter for a vehicle, a XXXX XXXX XXXX. We have repeatedly mailed and faxed this request for a number of months. When I call Ally Customer Service they indicate that there is no record of this lien. I have been calling for three months. 

Ally bought out XXXX, which owned the XXXX XXXX XXXX that held the lien on this vehicle. The lien has been paid off for a number of years!!!! 

VIN # XXXX TITLE # XXXX ISSUED XX/XX/XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX XXXX Cell XXXX Land
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

I filed four separate rounds of dispute letters to each of the three Credit Reporting Agencies ( XXXX, XXXX, and Equifax ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX. Requesting that the Bankruptcy being reported on my Consumer Credit Report, and all associated accounts with this bankruptcy be removed since this information has not been verified. Per the FCRA all information reported on a consumer 's credit report must be verified as accurate and correct. 

I sent in four separate dispute letters to each of the three Credit Reporting Agencies and was told on four separate occasions, by each agency that the information was verified as belonging to me. However, there was no supporting evidence sent to me to show that an investigation was ever done. 

Per the FCRA, all information entered into a consumer 's credit report must be verified with the original party involved, and can not be verified by a third party. I have a letter dated XX/XX/XXXX from the Clerk of Court, U.S. Courthouse stating that their office does not disclose bankruptcy information to Credit Reporting Agencies, or third parties.
Consumer complaint received 2020-11-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

I have an account with HHLoans with the Texas Higher Education Coordinating Board. 
The most recent student loan payment of {$1500.00} was withdrawn from my savings account on XXXX but my student loan account only shows a payment of {$400.00} that was received on the same day. The actual loan price decrease on both interest and principal was {$210.00} ( of which {$170.00} was interest and {$40.00} was principal paid on Loan ID XXXX ). This leaves {$180.00} unaccounted for when compared to the {$400.00} amount shown as paid according to the portal and {$1300.00} unaccounted for according to the amount that was withdrawn from my savings account though ACH enrollment on XX/XX/XXXX. I sent the THECB an email addressing their transgressions and five days after the original transaction, a second payment of {$1100.00} was shown to have been processed on XX/XX/XXXX ( and listed BEFORE the {$400.00} amount ) which is a complete lie. Besides the last minute transaction, there is still money unaccounted for and they are not addressing the issue. Their email responses are completely irrelevant that don't address my concerns and they don't have a working phone number. I also have no say in where my money goes in excess of the minimum monthly payment despite the ACH payment system.
Consumer complaint received 2019-10-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Advance America, Cash Advance Centers, Inc. (PA)

I keep getting calls from a debt collector XXXX or XXXX saying they are calling for advanced America when I called advanced America they say I dont owe them any money but this debt collector is very rude hangs up on me when I try to explain it and tells me I need to get a attorney because I am going to be sued and they are going to contact my employer.
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (AZ)

Tried to get a home mortgage through XXXX XXXX XXXX. Got approved for the first loan and was denied the second loan for {$97000.00} from a lender in NY. 

Spoke with representative at US Bank he told me that he could get the deal done for me and started working on the loan XX/XX/XXXX. He said we would close on XX/XX/XXXX. 

XX/XX/XXXX : not closed yet and said we would definitely have it closed this day. I told him that I was going out of town to Idaho on the XXXX. He said we would have it closed by the XXXX. 

XX/XX/XXXX : called me almost every day on my father 's day vacation with my dad XX/XX/XXXX : text message from employee and I quote " How lucky are you feeling : ) '' " We have your deal worked out. '' My reply : " Cool. Any idea how long it will take to get paper work to title? '' Because of his text I released the {$4000.00} earnest money to the seller He did not respond to my text. My follow up to him " tried to call his assistant, sent to voicemail. Call me or text me if you can. '' XX/XX/XXXX : Me " what's the word? '' Him : no response, no response to my email or phone call either. 

XX/XX/XXXX : I text him and said " I need your managers contact information please, Thanks. '' All he replied was her name and phone number. 
I spoke with her and she told me that she doesn't know why he would say the things he did because there was no way that I would be approved for the loan due to debt to income ratio. I told her I should be compensated for moving 4 times due to his promises and reimbursed the earnest money. She said no. 

Total I feel should be paid to me by him or US Bank {$4000.00} earnest money {$690.00} for the movers out of the original apartment end of XX/XX/XXXX and into storage unit {$1100.00} for XX/XX/XXXX-XX/XX/XXXX using demo apartment because no others were available {$1200.00} for the new apartment while waiting for approval XX/XX/XXXX-XX/XX/XXXX {$700.00} for having to move again into a demo apartment XX/XX/XXXX-XX/XX/XXXX {$110.00} for extra storage unit x2 months {$230.00} Total {$7900.00} Not only was I constantly lied to, but my pregnant wife and I were taking his word, which ultimately was a lie and cost us not only money but time and stress and ultimately a miscarriage No action was taken by the company
Consumer complaint received 2019-10-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Happy Money, Inc. (MD)

CREDITOR KEEPS CALLING AND LEAVING VOICEMAIL AT MY EMPLOYER PAYOFF IS THE COMPANY NAME HAVE CALLED 2 TIMES IN ONE WEEK XX/XX/XXXX XXXX XXXX  XX/XX/XXXX LEFT VM NOT SURE WHAT TIME THEY CALLED.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

To whom it may concern. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX My SS # XXXX My DI # XXXX XXXX XXXX XXXX XXXX I'm attaching copies of my SS and Driver 's license for verification purposes. 

There is a item on my credit report which I believe it's purposely being reported erroneously but it is hurting me tremendously. 

I purchased a XXXX  XXXX from a now out of business car dealership, for the better part of two years, I continued to have mechanical issues with the XXXX, having to bring it to the dealer for repairs, finally after a year and a half, the engine collapsed, they refused to fix the problem I immediately called the XXXX  XXXX, they completely ignored me, so I voluntary surrender the XXXX. 

XXXX stopped their collection efforts, and sold the account to Credit Acceptance Corporation XXXX XXXX continue to show this account as opened, and are reporting it as a late payment every month, and you know how devastating that is when you are trying to rebuild your credit. 

I'm not sure what the legality is of what they are doing, but I'm certain it's not being reported truthfully, yes I had a loan, albeit for a damaged car, yes I turned it in whether they categorized it as a repo or something else, but it should have been closed and perhaps show it as a charge of, I'm not sure, but then try hey sell it to credit Acceptance corp, and they are purposely misreporting it as an open account in order to hurt my credit even more. 

I am pleading with you to please correct this situation or perhaps if I'm wrong, inform me of how to best address this problem. 

I have hired two credit repair companies and all they have done is steal my money, please HELP. 

Respectfully XXXX XXXX XXXX
Consumer complaint received 2021-09-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2019-05-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Financial Service Center of Ohio, LLC (OH)

I got a payday loan and they talked me into geting more a couple times so i ended up borrowing XXXX and payoff is XXXX XXXXx XXXX ohio XXXX
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (GA)

Hello, Target Bank is reporting on my credit report incorrectly. I submitted this account to a Debt collection company XXXX XXXX XXXX in XX/XX/2018. I was told that when I start the program, Target would re-age my account. I have been paying the agreed amount every since it was signed off on by Target. They have not done so,
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I live in California, was on a vacation in XXXX, Tennessee. During my time there ( XXXX ), my card was charged for Gas in the amount of {$26.00} with the location saying " city, Florida '' XXXX XX/XX/22. I have never been to Florida, I don't know anyone in Florida, and have never given my card number or authorized anyone to use my bank account information. When I contacted Chase, they filed a claim and reimbursed the funds. A few days later on XX/XX/22 they then sent me a letter stating that after investigation they feel that the charge was valid and authorized. It makes no sense that I was in Tennessee, and all my charges prior to and after that Florida charge were in Tennessee. They said the extent of their investigation was that the PIN number was correctly input on the first attempt, and that they can't reverse it. Due to the fear of my account being compromised, I withdrew then entirety of my funds. I also received an email with an invoice that someone from New Mexico ordered personal checks with their name and address information on them from XXXX, Chase 's check company partner, with my bank account information on it. This tells me that my bank account is completely compromised, and Chase is doing nothing to help me resolve the situation. There is no safety and security from Chase in this.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (FL)

On XX/XX/19 I purchased a {$50.00} dollar Google Play Gift card at XXXX XXXX XXXX for a friend. When redeeming we were told that the codes being entered were unrecognized. The card was unusable and needed to be taken back to retailer. At XXXX, the store manager called Google and they determined that an XXXX on the card was really a XXXX, a variation we had not attempted. However, Google said, the card had already been redeemed. Since the purchasers of the card ( me/friend ) didn't get to redeem it, who did? we asked. They could not give us that info but agreed that neither of our email/accounts had been used for the card. I don't know if there were two cards with same code or if there is evidence of deeper fraud with these cards but I was rather unhappy with Google Customer Services attempt at solving problem. They basically referred me to FTC and their website to the CFPB. I would upload receipts, cards etc. but this website has crashed my computer twice when I attempted to do so.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-22
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. (MA)

Good Morning! 

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

I have been repeatedly contacted by a company named, " XXXX XXXX '' claiming to be a legal company filing a subpoena for a client that will result in a claim, lien, or judgement. They have called my repeatedly for the past month or so. 

The original debt was with Wells Fargo for a credit card that went into default. I believe it was in XX/XX/XXXX or XX/XX/XXXX. It was settled through a collection company in XX/XX/XXXX through a collector called the XXXX group that was able to provide proof of the debt. I've attached it below. 

When questioned if I can send them proof that the debt was settled, they said they would include it in my file, but still file in court. When I informed them that it was settled, they said repeated that it would be filed in court and I could expect to be served at my residence or place of employment. When I asked them to stop calling me, they informed me that they were not a debt collector and reiterated that they were a legal company. 

Despite the debt being a decade old, it also appears that Wells Fargo is still selling the debt, as this pops up every year or two.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-01-31
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.