davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-21
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: EQUIFAX, INC. (CA)

I have a hard inquiry on my Equifax from XXXX on XX/XX/16. I was not asked permission for XXXX XXXX XXXX or XXXX to run a credit check on me, they also did not disclose that they were going to run the credit check to me. I was an existing customer with XXXX XXXX XXXX during this time seeking a discount. During my conversation with the retention department representative he recommended that I switch my TV to XXXX and keep my internet on XXXX XXXX XXXX to save more on my monthly bill. During this conversation I was told they needed my social security number for " security reasons ''. I remember specifically asking if they were going to run a credit check on me to which the representative replied " no, they won't ''. After I viewed the hard injury on my report I promptly called XXXX XXXX XXXX and XXXX to remove it. After several phone calls and confusion from the XXXX XXXX XXXX and XXXX staff they referred me to their legal team address to mail a physical letter. I then sent a detailed letter to their legal team address explaining what happened and politely asked them to remove it. Its been nearly two years since I sent the letter and I have not received a response or had the hard inquiry removed by XXXX.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (PA)

My account was frozen and Ive tried to contact Venmo by email, phone, online chat and social media. First they said it could take up to 7 days and now they say XXXX days. Venmo does not have a way to contact the account specialist that reviews your account and basically you lose all access to your funds. Venmo needs to change the way they handle this situation instead of just shutting your account down and having no way to get an actual response or speak with the account specialist that are handling the account. I depend on those funds and now I have no access to them.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of Identity Theft. I have requested that the credit bureaus remove these fraudulent items that are reporting, numerous times. The credit bureaus, and creditors have never provided any proof that these are my account, no contracts or signature have been provided. The fraudulent items are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want these fraudulent items removed from my credit reports. They are also reporting incorrect names and addresses
Consumer complaint received 2020-08-20
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. (MS)

A bankruptcy continues to report on my credit file. Please remove. In my last dispute you said that you my bankruptcy was verified. what was your method of verification? The court said they do not release information the credit reporting agencies. please remove this bankruptcy because it was verified and the time is past due.
Consumer complaint received 2018-06-14
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: SUNTRUST BANKS, INC. (FL)

Last summer I was paying a line of credit in a property with Suntrust bank. I had paid an interest only loan for 12 years then it converted to a principal loan. I could not keep up with the loan because it had doubled. Suntrust called me and offered me a settlement. We owed XXXX XXXX and they settled for XXXX XXXX. 
We took them up on this offer. We bought a money order and went straight to the bank. In the midst of this my husband and myself were in the middle of purchasing a retirement home. 

When we went to close last XX/XX/XXXX it showed that we had a short sale on XXXX XXXX credit report. His beacon score was XXXX and blemish free. 

Because of this we had to pay XXXX in penalties to finance our new home. 

We are now dealing with a loan officer to refinance this home. We took our a ARM loan. He just told us its still showing up as a SHORT SALE. We can not refinance now. This is a total disaster. 

We have called Suntrust over 100 times. Now I am reading under the Consumee Affair bureau that this has happen to others. Its all documented. 

If I had known they were going to report this to the credit bureau as a short sale I would have never accepted there offer. 

The contact person I have been dealing with and the lady who offered thus to us is XXXX XXXX at Suntrust in the settlement department.
Consumer complaint received 2017-05-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BlueChip Financial (DE)

Someone from the company  XXXX   XXXX   XXXX   XXXX  is calling, representative named  XXXX   XXXX  's, is stating he 's an Investigator for  XXXX  County and will be serving me at my place of employment. I asked them to send a letter to my home address and they are refusing. They will only send me an email.
Consumer complaint received 2021-02-27
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. (PA)

To Whom It May Concern : On XX/XX/2020, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

If you have any questions or need additional information, please contact me at the address noted below. 

Thank you.
Consumer complaint received 2024-04-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Dovenmuehle Mortgage, Inc. (CO)

This is the XXXX complaint I have filed with the CFPB regarding the Deceptive Lending Practices by XXXX XXXX XXXX XXXX XXXX and Dovenmuehle Mortgage Inc. 

My lender has made several false statements regarding my eligibility for a COVID ALM Modification. 

XX/XX/XXXX the COVID ALM Modification was calculated at a 20.21 % reduction. 

Instead of providing me information about the new Mortgage payment, the XXXX XXXX they made a conscious Decision to not even notify me of this new payment. 

My lender made choice to remove me from XXXX XXXX and XXXX XXXX Options in XX/XX/XXXX. 

I have been fighting my XXXX for over 2 years now. I should have never been put through any of this XXXX. 

Now they have sold my house XX/XX/XXXX without providing proper notice after a Rule XXXX hearing. The rule XXXX hearing was XX/XX/XXXX, the judge signed this order XX/XX/XXXX. Sold my house XX/XX/XXXX. 

This would be the third vacated Foreclosure, second for the same reason. 

It is more than obvious they have been trying to defraud my home since XX/XX/XXXX. Showed intent when they removed me from COVID Forbearance and COVID Modification in XX/XX/XXXX. 

In the mediation hearing held XX/XX/XXXX the lender didn't feel it was necessary to provide me notices of these actions. 

They are required to provide proper notice after a rule XXXX hearing. 

They stole my house for the XXXX time. When will I get action against my lender. 

I shouldn't have to continue with the lawsuit causing me even more horrendous hardships. 

They need to be held accountable for this. 

There are over XXXX complaints through the CFPB about Dovenmuehle Mortgage Inc since XXXX. That should be enough to create some attention don't you think? 

All I know is they do not correct this action and come up with a sizeable compensation for the last 2 years I will continue to file complaints and move forward with the lawsuit that I will without a doubt win. 

They had better stop these Deceptive Lending Practices and make serious steps to correct others that have lost their homes like this. 

I am going to start adding names into my lawsuit so that it will be the individuals involved, not just the companies.
Consumer complaint received 2023-02-07
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. (OH)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2021-09-13
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (FL)

In XX/XX/XXXX I open a car loan with XXXX XXXX XXXX and I wasnt available pay the loan and I returned the car after years they close the account and in XX/XX/XXXX I have open account with jefferson capital ay I cant pay Im unemployed because of COVID-19 Im a young XXXX  I trying to clean this from my collection pls is been 6 year and they call me almost every day and had passed my debt to others collection company selling my dept to others to make profits
Consumer complaint received 2021-02-27
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. (VT)

In XX/XX/XXXX, Experian lowered my score by XXXX points (! ) because XXXX ( the student lender ) reported my account to be delinquent at the time when I was on the IXXXX Repayment Plan. The reporting was incorrect, which I had all the proof for. I contacted Experian and disputed these wrong " delinquencies ''. They did nothing. I called them to inquire what the problem was/is and their customer service said that sometimes it takes time to fix the problem (?? ). Instead of fixing the problematic reporting ( and looking into the evidence I submitted that there was no way I missed any of these payments because I was supposed to be in the economic deferment and XXXX - submitted all my tax returns for all 3 last years ), yesterday they went to lower my score for additional XXXX points. I have no idea where that came from because on their reporting I do not see any recent delinquencies and there should NOT be ANY. My paying history has been exceptional throughout the years, and my status with the XXXX XXXX XXXX XXXX shows exceptional paying history. Despite this and all the evidence that I sent to prove XXXX  false reporting, Experian did not want to remove these reportings on my account and within 3 months lowered my score by over XXXX points! Even XXXX responded here at the CFPB portal that they made a mistake in reporting ( not for XXXX, although I will complain about that in my next complaint, and I will keep complaining because this is ridiculous ). I want Experian to fix this problem now.
Consumer complaint received 2018-02-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PREFERRED CREDIT INC (WI)

In Early XX/XX/XXXX I contacted pci to discuss pay off amt for XX/XX/XXXX. I spoke with XXXX one of the head supervisors. 

Today XX/XX/XXXX I contact pci again and have made a small payment since I last spoke with XXXX instead of my payoff amt going down it went up about 10.00. and they dont have a reason why and interest can not accumulate XXXX in 7 days unsless they were overcharging me interest This company is non transparent and shady. 

XXXX informed me my payoff balance was XXXX and after I made a XXXX payment my payoff balance should be close to XXXX. I am prepared to offer a XXXX settlement offer on my account on XX/XX/XXXX If they refuse or decline I will have no choice but to only pay the XXXX. pci is a shady predatory lender and I have had nothing but poor customer service.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (CA)

I have written to Santander to remove the negative collection account under my name because there is a paying as agreed account listed already so there are 2 accounts. This is an error and they dont want to remove it and keep showing it on my credit report and its preventing me from getting jobs and defaming me.
Consumer complaint received 2022-04-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Volvo Car Financial Services U.S., LLC (TX)

I have a lease with Volvo Financial. I want to trade in my lease for a XXXX product. Volvo will not accept a payoff check from the XXXX dealership. They will accept it from me, but not another dealership. They are forcing me to turn my vehicle into them, and incur end-of-lease charges and milage penalties, or trade-in my vehicle and remain in a Volvo. I can not afford to make the payoff myself, without the help of a trade-in process, which Volvo Financial is preventing from happening.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

XX/XX/XXXX - XX/XX/XXXX : My federal student loan was being serviced by American Education Services ( AES ) XX/XX/XXXX : President Biden announce Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) XX/XX/XXXX : I submitted my TEPSLF application and consolidated my federal student loan with FedLoan, as per the U.S. Department of Education 's instructions. 

XX/XX/XXXX : I received a letter from FedLoan reporting the outcome of my PSLF eligibility. Even though I had over 10 years of qualifying employment and have made payments on my student since XX/XX/XXXX. However, FedLoan informed me that loan payments made between XX/XX/XXXX through XX/XX/XXXX were not eligible. No explanation was provided. 

XX/XX/XXXX - XX/XX/XXXX : After series of back and forth with the FedLoan Office of Consumer Advocacy ( OCA ), in XXXX I discovered the real reason as to why the payments I made between XX/XX/XXXX through XX/XX/XXXX were excluded from the PSLF count. FedLoan informed me that according to the National Student Loan Database System, my loan was purportedly in " deferment '' status. I informed OCA that this information was inaccurate and I provided proof of loan payments made since XX/XX/XXXX, but FedLoan indicated they couldn't do anything about it. 

XX/XX/XXXX, I reached out my former loan servicer, American Education Services, to get an explanation. AES loan counselor, XXXX, acknowledged the reporting error and clarified that my loan was only in deferment for one year between XX/XX/XXXX through XX/XX/XXXX, and the record shows that I have been making my monthly loan payments since XX/XX/XXXX. She escalated my case to another team for review and reconciliation, but today I received an email from AES Customer Service indicating that they can't do anything to fix this error and referred me back to FedLoan to update the status in the national student loan database system. However, FedLoan has been less than accommodating.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX XXXX XXXX XXXX, having its address at XXXX XXXX XXXX XXXX, California, reported a negative collection item to all three major credit agencies ( please see attached ). I disputed this item in XX/XX/XXXX and it was removed from all the known agencies. 

In XX/XX/XXXX this year i have discovered that the item was reinserted to my Equifax credit report ( but to none of the others to my best knowledge ). I was advised that the credit bureau should have notified me within 5 days of reinserting the deleted item, but they haven't done so. Furthermore, I believe that I am being treated unfairly by the bureau. I am now forced to go through the disputing process all over again, including the expensive costs of the process as well as the enormous time i need to put into this. 


Sincerely, XXXX XXXX
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have written to Portfolio Recovery SEVERAL times asking for VALIDATION of my debt and to get the original paperwork/contract. They continue to send letters that say that they have resolved my dispute. I did get a letter in XX/XX/2018 that says the account is closed, HOWEVER I feel that this account should be REMOVED from my credit file.
Consumer complaint received 2018-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I received your response oh We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of your dispute on XX/XX/2018, the account which was reporting a deceased remark no longer appears on your TransUnion credit report. In addition, we have sent a corrected copy of your TransUnion credit report to XXXX XXXX. Just because you fixed it does not mean it did not happen. I demand Monterey compensation because I suffer from XXXX after being XXXX and had trauma after reading I was dead from your company incorrectly providing false information. This has harmed me mentally and physically along with financially! I will sue for {$1.00} XXXX dollars but Im willing to accept {$100000.00} thru the cfpb. Consider this mediation before I file a federal lawsuit for {$400.00} in the XXXX district of Missouri. Missouri law states I may claim money damages if anyone harms my report and you admitted to doing so. I dont accept your correction as the only form of resolution and if you dont pay me {$100000.00} a federal judge will look at these complaints after I file a motion of summary judgement and request {$1.00} XXXX.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC. (AL)

these people ran my credit and added to my credit without me signing any documents, I don't know half of the people that's on here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I noticed a few hard inquires on my credit reports that I do not recognize. I mailed the 609 letters to each bureau on XX/XX/XXXXth, I never heard back. I then submitted the 30 day letter to comply and still no answer. The credit bureaus are reporting inaccurate information on my credit report and I demand an investigation. They are not upholding the law and the statues and I would like a complete investigation.