davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
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: Sequium Asset Solutions, LLC (MD)

I switched mobile service providers in XX/XX/XXXX from XXXX XXXX XXXX to XXXX. XXXX advertised they would pay off my final bill. XXXX  XXXX XXXX said they never got payment yet XXXX said they did. I informed XXXX XXXX XXXX of this on XX/XX/XXXX. I heard nothing else from XXXX XXXX XXXX until XX/XX/XXXX when Sequim appeared on my credit report, no notice sent prior to being placed on my credit report. I asked them to validate the debt. They did and I paid {$30.00} more than the oringal debt of {$95.00} for {$120.00} on XX/XX/XXXX. When I paid the debt I asked the collection be removed from my credit report. Sequim stated only XXXX XXXX XXXX  could do that. I contacted XXXX XXXX XXXX  for the removal they have stated that Sequim is the one that placed it there and they need to remove it as it is satisfied. I called Sequim again on XXXX and they again gave me the XXXX XXXX XXXX story and then I informed them that was false and they said I was a liar. The agreement was to delete this from my XXXX  and XXXX  credit reports as this is not reporting on my XXXX report. THey have not kept up their end of the bargain.
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Aspen Yo LLC (CA)

On file complain on XX/XX/2020 case # XXXX Requesting mortgage note Gregory funding did send dee of trust form and all information is not correct and not recorder by the state of californian and my legal name is not in there files and send me a letter want to foreclosure whit not properly legally file ducument s not We need to be stop to file in court and show right legal documents I will send copy s they did send 7 copies Is clear documents are not correct
Consumer complaint received 2020-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

This loan is on its third processor in two year ( XXXX to Great Lakes to Nelnet ). The loan was not " redisclosed '' upon a huge payment being made that paid off 1/2 of the loan balance, and therefore was not " reamortized '' to compute the correct loan amounts and payments. Over time this has resulted in fees/penalties and higher interest than should be. None of the processors has made any efforts to fix this and now NELNET is misapplying payments and the loan balances have been going up on a monthly basis even though I pay more than the minimum and they show me as " paid ahead through XX/XX/2021 ''.
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am receiving california unemployment benefits. They get deposited into a prepaid XXXX bank of America card. On XX/XX/20 there was a total of {$1100.00} taken from my account in multiple transactions all from state of California edd unemployment. I first contacted bank of America who claimed they can not deposit or withdraw money from these edd cards and that the unemployment office has complete control of the edd cards so i need to contact them. So i contacted California edd and they told me they have no record of these withdrawals and that they can not withdraw money from the edd cards only deposit it so I need to contact bank of America again. I then contacted Bank of America again and told them what I was told by the unemployment office and at that time the call was dropped. I have tried contacting bank of America multiple times since then and everytime i give them my information and state why I'm calling i either get hung up on or i get put on hold for hours and no one comes back on the line. I have tried contacting them 11 times since the first call was dropped. The money still has not been put back into my account
Consumer complaint received 2019-11-12
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. (CA)

In XX/XX/2019, a new credit line appeared on my Equifax credit report. Note : it does not show up on XXXX XXXX or XXXX. The credit line is XXXX  XXXX XXXX. I have never owned any cards from this bank. The report also shows that I have been associated to addresses out of California and Washington. It seems that my account is mistakenly merged with someone else. 

I tried to call and using the online website to fix this error. However, since my info is merged with someone else, I can not pass the verification process where they ask me facts that apparently belong to someone else and not known by me.
Consumer complaint received 2017-12-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (IL)

I made my XXXX/XXXX/XXXX mortgage payment to Loancare. I then requested a payoff of my mortgage through XXXX/XXXX/XXXX. I then refinanced my mortgage with XXXX XXXX on XXXX/XXXX/XXXX and the payoff applied to my Loancare mortgage on XXXX/XXXX/XXXX paying everything in full. 

On XXXX/XXXX/XXXX Loancare took an additional {$52.00} PMI from my escrow account overage that was getting ready to be cut to me as it was overage from my payoff. 

I called Loancare and all they can tell me it was taken Bc PMI is paid in arrears but my argument is this additional PMI was included in the payoff through XXXX/XXXX/XXXX. They said no it is never included in the payoff. ( This makes no sense to me, Bc why do I even request a payoff if they have extra hidden fees ) they said they ca n't help me anymore and to send in a written request. 

I have only had problems with them since XXXX  transferred to them. If you can please help us as I feel like we are getting fleeced an extra {$52.00} on top of the payoff we paid to them. 

Thanks XXXX XXXX
Consumer complaint received 2022-11-18
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. (CA)

XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. XXXX. XXXX Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2020-07-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

By letter dated XX/XX/XXXX that is enclosed hereto as Exhibit " A '', XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH '' ) responded to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) as complaint number XXXX with false statements as it pertains to an already time-barred debt and mortgage identified with account number XXXX, by : falsely addressing the Estate of XXXX XXXX XXXX as the Customer ( s ) for the above referenced account number when no such estate is connected to my property, and my husbands name was not XXXX XXXX XXXX ; and falsely declaring that I defaulted on my mortgage loan as of XX/XX/XXXX and mentioning the active illegal foreclosure under Docket No. XXXX wherein XXXX and PHH are falsely declaring XX/XX/XXXX as the date of default, when at all relevant times : ( 1 ) the false date of default as of XX/XX/XXXX contradicts the XX/XX/XXXX date declared for the same transaction under Docket No. : XXXX and a true copy of foreclosure complaint filed therein on XX/XX/XXXX ( the same day of my husbands death ) is attached hereto as Exhibit B ; ( 2 ) the false date of default as of XX/XX/XXXX misrepresents and falsely implies that payments were made towards the subject account number from XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) the false date of default as of XX/XX/XXXX unlawfully conceals approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX during an extreme time of grief upon my husbands death, with approximately $ XXXX being cashed by predecessors and affiliates of XXXX and PHH as displayed within the checks enclosed hereto as Exhibit C. 

Furthermore, the foregoing parties along with their co-conspirator XXXX XXXX XXXX ( " XXXX XXXX  '' ) are willfully refusing to answer and provide the information demanded by communications dating back to the end of XXXX to present date, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

In closing, the conduct set forth above constitutes false statements to the CFPB by XXXX and PHH in response to complaint number XXXX in violation of 18 U.S.C. 1001, mail fraud in violation of 18 U.S.C. 1341 and continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for  the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a credit card from XXXX XXXX and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX  Equifax, XXXX and XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

m filing this report because I applied for aXX/XX/XXXXcredit card a few weeks ago and was not approved now today XX/XX/20 I received a letter in the mail stating that the reason I was not approved was because of an account in negative standing on my credit report. I didn't know what account they were referring to so I looked through my credit report and I was an account from a company called XXXX XXXX XXXX for an amount of {$130.00} in negative standing on my report. This account is not mine ; I never opened that account and I did not allow anyone to open it on my behalf. I did not benefit anything from that account such as money, goods, services or any other benefit nor did I ever make payments towards that account. I do not have any sort of written/verbal contract with that company and I have never given them permission to access my credit file. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY (LA)

I have never missed payments with TD AUTO FINANCE YET THEY NEVER REPORT ON TIME PAYMENTS LIKE THEY SHOULD. THIS IS RIDICULOUS CONSIDERING THE AMOUNT OF INTEREST THEY CHARGE. I WILL BE TAKING MY BUSINESS ELSEWHERE AND DOING A REFI
Consumer complaint received 2021-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems (NC)

10 total accounts for Financial Data Systems : XXXX {$140.00} XXXX {$100.00} XXXX {$180.00} XXXX {$180.00} XXXX {$140.00} XXXX {$180.00} XXXX {$140.00} XXXX {$86.00} XXXX {$87.00} XXXX {$140.00} I started off with bad credit because of debt that I didnt even know I had. After contacting My medical billing office several times, they claimed that they can not do anything about claims sent to collections. These accounts were paid off all at once at the beginning of this year. They have been paid off for months now and theyre still hindering my credit. 
To this day theyre trying to collect several hundreds of dollars from me. At the beginning of this year I tried paying everything off through the company itself as well as through the debt collection company. I was successful with the debt collection company, but the medical facility now has inaccurate records for what I owe them. I have been harassed all year long for an amount that I do not owe them. Ive tried to get in contact with them and they refuse to meet with me. They just tell me I have to call and talk that way. Which has gotten me nowhere. I would like for all of this to be put to an end.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2021-05-01
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: EQUIFAX, INC. (NC)

XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (IL)

Subject : Request for Removal of Disputed Information from Credit Report Dear Sir/Madam, I am writing to formally request the removal of certain disputed information from my credit report. Since XX/XX/XXXX, I have been actively working to resolve these inaccuracies, but despite my efforts, the errors remain uncorrected. 
The accounts in question are listed with the following details : XXXX. Monthly Payment : {$120.00} XXXX. Date Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Balance : {$10000.00} XXXX. High Credit : {$11000.00}, {$11000.00}, {$11000.00} XXXX Credit Limit : {$11000.00}, {$11000.00}, {$0.00} XXXX. Past Due : {$1000.00} XXXX. Payment Status : Late XXXX Days XXXX. Last Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Date Last Active : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Comments : XXXX. Account XXXX : Dispute resolved ; customer disagrees XXXX. Account XXXX : Subscriber reports dispute resolved - consumer disagrees XXXX. Account XXXX : Consumer disputes after resolution The discrepancies I have identified include : XXXX. High Credit : * One account lists the high credit as {$11000.00}, while the others list it as {$11000.00}. 
XXXX Credit Limit : * One account lists the credit limit as {$0.00}, while the others list it as {$11000.00}. 
XXXX. Date Last Active : * The dates last active are different : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX. Comments : * The comments have slight variations in wording but convey the same overall message : * " Dispute resolved ; customer disagrees '' * " Subscriber reports dispute resolved - consumer disagrees. '' * " Consumer disputes after resolution '' * Additionally, the first two comments do not mention that the accounts were closed by the credit grantor. 
I have taken the following actions to resolve these errors : XXXX. Contacted the credit reporting agencies and the creditors directly to dispute the inaccuracies on multiple occasions since XX/XX/XXXX. 
XXXX. Provided supporting documentation and explanations to substantiate my claims. 
XXXX. Followed up with both the credit reporting agencies and creditors to ensure the disputes were being addressed. 
Despite these efforts, the incorrect information remains on my credit report, adversely affecting my credit score and financial well-being. I respectfully request that these accounts be thoroughly investigated and the inaccuracies be removed from my credit report. 
Attached are copies of my credit report highlighting the discrepancies for your reference. Your prompt attention to this matter would be greatly appreciated. Please inform me of the results of your investigation and any actions taken to correct the inaccuracies. 
Thank you for your time and assistance. 
Sincerely,
Consumer complaint received 2021-04-30
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: EQUIFAX, INC. (TN)

HAVING A PROBLEM WITH XXXX  AND EQUIFAX REMOVING ACCOUNTS THAT I HAVE FURNISHED INFORMATION THAT SHOWS THAT THESE ARE NOT MY ACCOUNT
Consumer complaint received 2020-10-25
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate as unknown things on my credit report. To this day, over 39 days later, I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 39 days so they should be promptly deleted. I demand these accounts be deleted immediately or i will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-17
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. (VA)

I have reached out to Equifax multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given written consent to them or any other agency or third party agency to report any items on my consumer report. I also provided them with the FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXX/HEAR DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED ACCOUNT ACCOUNT NAME : XXXXCOLLECTION ACCOUNT DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED ACCOUNT ACCOUNT NAME : XXXX XXXX XXXX/HEAR DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY ACCOUNT NAME : XXXX XXXX UP DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY
Consumer complaint received 2020-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate as unknown things on my credit report. To this day, over 39 days later, I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 39 days so they should be promptly deleted. I demand these accounts be deleted immediately or i will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: World Omni Financial Corp. (FL)

Since XX/XX/XXXX, I've made 6 attempts to get the lease-end buyout package from Southeast Toyota Finance. I, ve leased the vehicle on XXXX and according to the lease agreement, I can buy it at the end of the lease term ( XXXX ). Southeast Toyota is giving me the runaround and kept sending me quotes of {$15000.00} or final payoff amount {$14000.00} ( tax not included ). Attached to this payoff, was a contract requesting my signature and instruction to go back to XXXX XXXX, the dealer to negotiate the tax amount. 

At the end of the lease term ( XXXX ), Toyota will have received from me {$12.00}. According to the lease agreement, I can purchase the vehicle for the amount of {$12000.00}, unfortunately not specified. The bank needs the information to process my application but Southeast Toyota Finance refused to provide me the end-lease buyer package. Please help me.
Consumer complaint received 2022-08-12
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)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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