davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Autoflex Leasing - Dallas I LLC (TX)

on XX/XX/XXXX I purchased a XXXX XXXX XXXX from Autoflex leasing.  I traded in a XXXX XXXX XXXX, Autoflex leasing was supposed pay it off and they failed to do so.
Consumer complaint received 2018-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

Originally, my secured and unsecured loans were with Sallie Mae, who I'm guessing sold to Navient. Navient wanted {$900.00} a month and I couldn't pay that amount monthly. They suggested I try the Income Driven repayment plan I have been on that plan for a few years. My monthly payments change every year but what's not happening is the balance isn't going down but up. I have called asking why I can't have a lower monthly payment that doesn't go up until I pay off my loans and never get a straight answer.
Consumer complaint received 2018-01-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC (WI)

In XX/XX/XXXX, Due to financial hardship, I financed approximately {$500.00} with XXXX XXXX XXXX. I was unaware that I would be charged approximately {$400.00} in interest. Due to health issues I defaulted on this in XX/XX/XXXX. In XX/XX/XXXX, they sold my account to a collection agency. They sold my account, knowing I had health issues and knowing I was seeking a reasonable payment arrangement. The only solution the collection agency that XXXX XXXX XXXX, sold my account to was : a buy out or to set up arrangements with my checking account information ; they refused to accept a money order or any other alternatives.
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NM)

In XXXX of 2015 I refinanced my current Chase Mortgage loan with what I thought was a HARP loan through Chase to lower my interest rate. I asked several times and was informed there would be no fees attached to this loan. My balance at the time was $ XXXX it is now at $ XXXX. I did not anticipate $ XXXX plus in fees. At closing there was also a {$1000.00} amount that said " if the borrower agrees '' however if I did n't agree they said the loan would not fund. I this really a HARP loan or just a regular refi?
Consumer complaint received 2022-02-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2019-08-01
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: CORELOGIC INC (LA)

In XXXX of 2017, I visited XXXX XXXX XXXX in XXXX XXXX, Louisiana in search of a vehicle. During my visit I requested that my credit be run through XXXX XXXX only. Within minutes of leaving the dealership, I received alerts from my credit monitoring service that my credit from several places. It was written on my application XXXX XXXX only. Since then, XXXX XXXX XXXX has been able to locate this application form for me & has provided me with a letter clarifying I requested for XXXX XXXX only. 

XXXX XXXX & Credco were both places my credit was pulled & I have informed them about the letter from XXXX XXXX XXXX.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

Amex wrongfully closed my XXXX XXXX credit card. At the time of closure, I had OVER XXXX in rewards in my account. Amex, in essence, stole over XXXX from me.
Consumer complaint received 2019-03-06
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. (WY)

Equifax and XXXX  are reporting me as 30 days past due on the XXXX account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2022-01-06
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. (TN)

In XXXX of XXXX I sent Transunion and XXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus receive a copy of this info and still responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. I have updated with a document sent XXXX of XXXX reassuring that the item in question has indeed been deleted .Please process this and do not close out as a duplicate as I have presented new information supporting my claim.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I would like to file a complaint about Equifax Credit Reporting company not being able, willing or capable to place a freeze on my credit report, as requested by me. After the published security breach at Equifax I attempted to place a freeze on my credit report, both through the Equifax Credit Freeze website and over the automated Equifax Credit Freeze telephone service and neither of them were able to put the freeze in place. No explanation was given and nothing is put in place to follow up. In a security breach like the one that just happened time is of the essence to safeguard consumers information and it is extremely frustrating that Equifax is unable to accomplish just that.
Below is the error message I received after spending valuable time completing the freeze request.
Thank you! 

System Currently Unavailable - Error 500 We 're sorry. We can not process your security freeze request online at this time. Please try back later. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you.
Consumer complaint received 2017-09-13
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. (IL)

I have several unauthorized inquiries on my equifax credit report ... XXXX XX/XX/XXXX,,, ,XXXX XX/XX/XXXX ... .XXXX XXXXXX/XX/XXXX andXX/XX/XXXX ... XXXX XXXX XXXX XXXXXX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... I have been a victim of identity theft per my fraud alert and I have not received proof by equifax I authorized a hard inquiry per frca..I was also affected by the equifax breach
Consumer complaint received 2022-11-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have dispute two accounts with Equifax. every time this accounts come back verified. 
account. 

1 # XXXX XXXX XXXX XXXX 1.the date of first, requested who did Equifax Please tell me how you VERIFIED the account referenced above?

2.Who did you talk to at the original credit grantor?

3.Did you write them?

4.Was a XXXX  form used or was this through electronic automatic dispute verification?

5.Did you contact them at the same address/phone number listed on my report?

6.Tell me exactly how you verified them and include the full name of the person you spoke with.

7. Also, what is the date of the commencement of delinquency?

8. The original creditor is required to give that to you. So when is that?

9. And when will this trade-line be past the reporting timeframe? 

I contacted the XXXX XXXX XXXX XXXX  myself to ask if they had spoken to anyone at Equifax they informed me no. 

also after disputing this account they updated inaccurate information instead of removing the account and its entirety. 


ACCOUNT # XXXX XXXX XXXX  XXXX XXXX THIS ACCOUNT HAS BEEN RE-AGED XXXX. DATE OF FIRST DELIQUENTCY IS INACCURATE XXXX. ACCOUNT HISTORY IS MISSING INFORMATION XXXX. MONTH RECEIVED INACCURATE XXXX. TYPE OF ACCOUNT SHOWS OPEN ( NO COLLECTION ACCOUNT SHOULD HAVE A STATUS OF OPEN ) XXXX. THIER SHOULDN'T BE AN AMOUNT PAST DUE, I DID NOT TAKE OUT OR RECEIVE A LOAN WITH XXXX XXXX XXXX. 



PLEASE SEE ATTACH AS ITEMS ARE HIGHLIGHTED.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I'm applying for a loan and my loan agent needs to view my report. However, there is a freeze on my account that I did not place. I tried online to lift the freeze to no avail. I then called but the IVR is terrible and then it's impossible to get a real person on the phone to help with the issue. 

I'm losing money on this one credit agency and you guys be ashamed of the XXXX technology you use.
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I did a mortgage forbearance with the company ( XXXX XXXX  XXXX during COVID - I was told the missed payments would be added to the end of my mortgage- not LOANCARE has taken over and they told me that I can only do a modification that would increase the overall cost of my mortgage and extend the term. I did not want that so I paid all the back payments which were cashed by them on XX/XX/25 - I have proof of the cashed checks but they dont seem to have record of it. I call / email daily and no one gets back to me.
Consumer complaint received 2018-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XX/XX/2016 & XX/XX/2016 there was at least 12 inquiries from a vehicle loan that I didnt authorize. I have followed up with Transunion and XXXX  and even placed an identify fraud alert on my account. I also stated to them that my drivers license were duplicated at my local dmv. I had a fraud placed on my account at that time as well.Im only asking to remove the inquiries from my credit report in the month of XX/XX/XXXX and XX/XX/2016. With those inquiries on my credit report it is making it difficult to obtain credit. There is probably a total of 12 inquiries in those months. Please investigate and properly remove from credit report.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

I was affected by the COVID Virus and filed a natural diaster emergency with all three credit bureaus. None of my accounts are the same on all e credit reporting agencys. None recieved notice that my score decreased after paying a car loan off with XXXX. I called XXXX XXXX and I could not even get anyone to discuss this situation about the paid off car loan instead it says the account is closed.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-30
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: SYNCHRONY FINANCIAL (FL)

I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX Dated XX/XX/2017 that I did not authorize
Consumer complaint received 2018-01-27
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: Experian Information Solutions Inc. (TX)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX account with a balance of XXXX account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

I opened my initial account with Chime back in XXXX, and everything was going great until XX/XX/XXXX. I opened a Chime XXXX XXXX account where they provide members with a prepaid credit card funded by the member by moving money from the spending account. Everything was great until Chime decided to trash my credit score with XXXX  and XXXX over a disputed charge of {$79.00}. For an entire month they were blaming this all on me, but then at the beginning of XXXX they finally admitted that they made a mistake and were crediting the {$79.00} to my account. The only problem was that I had closed my account, and so I requested a paper check be sent to me in the amount of {$79.00}, and they told me that it can take up to 14 days to process. I never received my check so I reached back out to them on XX/XX/XXXX. They gave me excuses as to why they did not send me my check. Now they are saying that I have to wait another 2-3 weeks before I will get my check, but after finding an article online where they are not giving member 's their money I highly doubt I will get it.
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (VA)

XXXX XXXX and his wife bought his house on XX/XX/XXXX, after that they refinanced his loan ( XXXX ) on XX/XX/XXXX. As a result of supposedly a bad procedure when the agents recorded the certificate of satisfaction of the previous loan and the new loans, XXXX never recorded the release of his lien. 
Mr & Mrs XXXX were not aware of the mistake and about that they had a pending remaining balance, until they received a FORECLOSURE letter with sale date scheduled for XX/XX/XXXX. 
They were desperate and on XX/XX/XXXX filed Bankruptcy chapter XXXX ( case # XXXX ) to keep their home, the chapter XXXX plan was confirmed and the bankruptcy completed. 
During the Chapter XXXX bankruptcy XXXX obtained the loan modification with XXXX XXXX on XX/XX/XXXX. The principal balance originally was {$13000.00}, the Loan Modification capitalized the arrears, and the new balance after modification is {$23000.00}, then after the loan modification that started on XX/XX/XXXX. He made ALL THE REQUIRED PAYMENTS. 
But during the last 6 months the loan was changed 3 times of name / servicer, and the present servicer SN Servicing Corporation, sent a statement informing that he is behind and will add fees and will foreclose the property. A representative ( XXXX ) called XXXX frequently trying to collect the payments and trying to add late fees. 
Copies of the payments are attached and the letters received. Please note that XXXX sent a money order that was never reflected on his statement and he had no option that send the payment again.
Consumer complaint received 2018-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion & XXXX XXXX continues to re-age an charged off account and TransUnion continues to add it with the new date to my report. I have disputed this 2 times in the past but every 3-4 months they put it back on my report as new. It was just added again on XX/XX/2018.