davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-25
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Eagle Financial Services, Inc. (IN)

American eagle finance in XXXX Indiana first and foremost charges to much interest plus the Manager came to my job XXXX this Co is out of hand I want them shut down I want a class action suit brought agents them They keep calling my job I 'm done please do something look on XXXX about them now they are sueing me plus finance charges.
Consumer complaint received 2016-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Mortgage Acct # XXXX is reporting a balance of {$240000.00} on our credit files. This account should be reporting a XXXX balance as this was a Short Sale on XXXX/XXXX/XXXX. I sent a demand letter to Chase Mortgage on XXXX/XXXX/XXXX and have yet to receive a response from them. The only responses I have received are from the credit bureaus and the balance is still there. This is a major error that is preventing me from getting the credit we deserve. This needs to be corrected immediately or delete this account off our credit files!!
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I HAD A LIEN PLACED ON MY HOME DUE TO OWING TAXES TO THE STATE OF MICHIGAN, WHICH SINCE HAS BEEN RELEASED XX/XX/XXXX .... PAID IT IN FULL WITH MY REFUND, ALSO RECEIVED A LETTER STATING THE LIEN WAS IN FACT PAID IN FULL IN THE MAIL. 
THE CREDIT BUREAU ( S ) NEED TO UPDATE AND I AM SURE THIS WILL HELP MY CREDIT SCORE. THANK YOU FOR ALL YOUR HELP THIS IS A WONDERFUL VERY HELPFUL SITE, I AM SURE YOU ARE HELPING MANY!! 
XXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CA)

Exoerian claims to oof some membership they say is free. However they have been charging me {$24.00} on a weekly basis. I didn't sign up for any paid service and it is unclear what the service it is providing. I can not log into the website to cancel this service or call them. The phone refers me to the website and the website refers my to call. So I am being charged with no way to make it stop. In addition I have no idea what service they are charging me for. 

None of this should be a factor because allowing the reporting agency to charge for any service or to sign people up automatically for overpriced service is not compliant with the fair credit reporting act. As it is neither fair or a free report at all. It is like allowing the officials of a football game to also bet on the outcome of that game. Because I have no faith at all that you will do anything or can do anything about this. I now have to cancel my card and change my account. Then post it on social media so people know to stay away from the free service and hopefully generate some action for you folks with complaints. Look to see if there is a class action suite against them. I imagine you have failed the people by giving so much unchecked power that people are far to afraid to do anything let alone seek justice.
Consumer complaint received 2020-10-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$760.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and  appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account.
Consumer complaint received 2020-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (TX)

I have been trying to recast for four months and they keep making it impossible to accomplish it. I really think they are dragging their feet and  making it difficult because they want my $ XXXX/month interest.

They made me jump through all these hoops and then did it incorrectly. I called to try to get clarification on how to proceed and they emailed me back about a completely separate issue. 
Also, I got my homestead filed in XXXX and they still have not adjusted my escrow. Again, they keep more of my money longer by not doing what they're supposed to.

Every time I call it ends with no resolution. Wait times are usually upwards of 30 minutes.

Even supervisors are unable to help.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (LA)

I checked my credit alert and found a hard inquiry from EMS XXXX Equifax Mortgage Services XXXX. I tried to call this business and it is listed as closed. I have hard inquiry on my credit report as recent as XXXX/XXXX/15. I am afraid this could be an attempt of identity theft. The phone number provided is not working. I tried to look for another phone number. Here is the company info EMS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX phone number XXXX.
Consumer complaint received 2015-10-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AR)

On XXXX/XXXX/15 I looked at my account online with the intention of paying off the entire " balance ''. The website showed a balance owed of {$22000.00}. I paid the entire amount on XXXX/XXXX/15. Then a couple weeks later I discover ( I ca n't recall if looked on my phone or reviewed a paper statement XXXX that my balance owed was {$120.00}. I called Wells Fargo on XXXX/XXXX/15 to question the {$120.00} balance because I in good faith paid the " balance owed '' on the XXXX. I advised the gentlemen that I wanted to pay this down to XXXX and he advised me that if I paid the {$120.00} ( which I subsequently did on the XXXX ) I would have a XXXX balance. Today XXXX/XXXX/15 I looked on my iphone app and that same account is now showing I still owe {$56.00}. I called and they explained that the {$120.00} was principal owed and the {$56.00} was the interest. If I had not happened to look at my account I would have not known the interest was still owed. As you can see by the attached document the balance owing once again still shows XXXX. This is extremely deceptive and needs to be corrected.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX 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 am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX CARD XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX CARD XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2016-03-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (PA)

a negative report posted by gm financial on approx.XX/XX/2005 is still showing on my reports. 
Pa. limitation is 4 yrs. i would like this stricken from my record. I am also showing a public record of a recently discharged bankruptcy. I request this also be stricken.
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do n't know how I got fooled by Trans Union 's website into agreeing to their credit reporting service. I am a somewhat sophisticated computer user but they still got me. Their web site needs to be fixed, to be more straightforward. 
XXXX XXXX XXXX XXXX XXXX # XXXX CA XXXX
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am a victim of identity theft and have personal information listed on my Trans Union credit report that do n't belong to me. The following addresses and employment data do n't belong to me : XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called Transunion and customer service would not help and take care of the negative inquiries reporting to my credit report after I informed them that I am a VICTIM of their " inquiry glitch issue '' and now these inquiries have greatly impacted my credit score in the worst way. 
1 ) Inquiry Date XX/XX/XXXX- XXXX 2 ) Inquiry Date XX/XX/XXXX- XXXX XXXX ) Inquiry Date XX/XX/XXXX- XXXX 4 ) Inquiry Date XX/XX/XXXX- XXXX 5 ) Inquiry Date XX/XX/XXXX- XXXX XXXX 6 ) Inquiry Date XX/XX/XXXX- XXXX XXXX XXXX XXXX ) Inquiry Date XX/XX/XXXX
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp (NJ)

In XX/XX/XXXX I received a phone call from a company stating that I was eligible for the loan forgiveness program. I was told that my payments would be {$180.00} which was how much my loan repayment was at the time. They stated I would be with XXXX. On XX/XX/XXXX my account was charged {$39.00} from Equitable Acceptance Corporation. However, XXXX charged my account for the first time on XX/XX/XXXX. XX/XX/XXXX was the last time Equitable Acceptance Corporation received a payment from me due to their website not allowing me to update my new bank information. In XX/XX/XXXX I attended a loan forgiveness seminar to inquire if I was in a legit loan forgiveness program. I was told that XXXX was a legitimate company and one of the best. However, they explained to me that they had never heard of Equitable Acceptance and that the loan forgiveness programs are free to enroll and this company should not be taking money in addition to my loan repayment. The facilitator also informed me that I should contact XXXX to see if I have an actual account with them. I was able to contact XXXX and verify that I did have an account. I believe Equitable Acceptance Corporation is illegally taking money from my account since loan forgiveness programs are free to enroll.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (NY)

An account has been opened in my name by a credit card company by the name of XXXX / ATLS / FORTIVA with a limit of {$3000.00}. It currently has a balance of {$100.00} and was opened on XX/XX/2021. I never applied for this credit card and I most definitely have not purchased anything with it as I don't even have a card in my possession. I would like this account closed and I would like it removed from my credit report as soon as possible.
Consumer complaint received 2023-03-16
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. (AL)

I've disputed the status of an account multiple times with Equifax. I've also submitted bankruptcy information proving the account was included in bankruptcy. The account is an installment account for XXXX XXXX. 
XXXX - Blank Status XXXX - Changed to " Collection ''.. The account was never in Collection XXXX- Added a comment " 180days or more past due '' The comments and status updates have hurt my credit score. Both the status and comments are incorrect.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I have ( 1 ) 30 days and ( XXXX ) 60 days late on my credit report. I 'm trying to re-fi my house, this loan has been paid in full and early. The company has refused to help me, the late payments were back in 2010. when payments were late we always called to get help from the company. They would refuse I was in between jobs but had always was on time.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX Unverified Account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX XXXX
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

While checking my credit report, I noticed TransUnion has telephone numbers listed that I demand be removed from my credit file. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX
Consumer complaint received 2016-01-08
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (CA)

I accidentally clicked on what I thought was a Pay Pal fast pay option that signed me up for Pay Pal credit. 
I attempted to remove it on line but you can not. 
I had to call and have the account removed, the whole process felt it was designed to deceive the consumer, and it was not easy to cancel the credit Even though I cancelled the credit within 24 hours, there was a hard enquirer on my credit report.
Consumer complaint received 2015-10-02
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc. (CA)

I have suffered at the hands of this collection agency, and have already reported them to the CFPB for malicious prosecution. Please see complaint Case number : XXXX 

Today I received my XXXX credit profile only to find their derogatory tradeline displayed.
Consumer complaint received 2015-08-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (MI)

On XXXX XXXX, 2015, I called M & T Bank to inquire about options to assist me because of a family emergency and may have trouble making my Mortgage Payment that month. I spoke to a Representative named XXXX XXXX at ext XXXX. She proceeded to tell me about options that were available to assist. However, in the in depth conversation with her I asked several times that if I accepted XXXX of the options, would it negatively impact my credit. She insisted that because I had never missed nor had a late payment that this was a service available to me based on my excellent payment history. She was deceptive in explaining the options and led me to believe that I could skip a payment and add it on the next XXXX months payments without any impact to my credit report. I felt confident in accepting her offer based on inaccurate information. I indicated repeatedly to XXXX XXXX that if it would impact my credit score negatively, then I would prefer not to take the option. I let her know that I have never made a late payment on anything and did not intend to start now. XXXX XXXX assured me that I had nothing to worry about as long as I successfully complied with the payment plan. I made my XXXX payment on XXXX XXXX, 2015 according to the agreement, however, because I check my credit regularly I discovered a XXXX day late payment reported by M & T Bank. I contacted XXXX XXXX to try to resolve the matter and opted out of the payment plan making all scheduled payments as originally agreed. No one has tried to listen to the recorded conversation to rectify this matter. I have called insistently without a resolution or reply. I feel that this is a discriminatory act and a violation of the Fair Credit Reporting Act. I wish to have this matter resolved and the late payment corrected with all XXXX credit bureaus. This has reduced my credit score by XXXX points and negatively impacting my life. Please help to resolve this matter, I take my credit very seriously and due to false information, I was tricked into jeopardizing my excellent credit rating. My loan is in good standing and I am not in danger of losing my home. I simply want the late payment removed because it is tarnishing my good name which could possibly result in higher rates and negative actions from other companies that I have credit with.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item is a collection item. The debt that this collection agency is trying to collect on is being collected by the State of New Jersey County of XXXX & XXXX. I have included the court documentation. Please delete the entry in order to correct the information. XXXX & XXXX County is responsible for collecting the debt and they have not requested XXXX XXXX XXXX to collect on their behalf. The State of New Jersey County of XXXX & XXXX is the only collection agency for this debt. I have furnished the same information the XXXX & XXXX but they have refused to remove the entry. I have let the courts know the status of this and they are n't happy and will be doing an investigation on their own. 
Enclosed are copies of payment records and court documents supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. This is the second time that I have disputed this entry and it needs to be removed
Consumer complaint received 2023-03-16
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: Amsher Collection Services, Inc. (FL)

amsher collection XXXX XXXX XXXX XXXX XXXXXXXX XXXX  alabama XXXX illegally and unethically accessed my credit reports that are frozen and fraud alerted. this is illegal and unethical activity and violates Alabama and florida and federal law. Stay the XXXX out of my credit reports or be sued and prosecuted! amsher collections is reported to the CFPB, alabama attorney general, fl attorney general, FTC and law enforcement AND the XXXXXXXX XXXX  and the XXXX for illegally accessing my credit report.
Consumer complaint received 2022-07-20
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. (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 XXXXThis 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.