davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MLD MORTGAGE INC (NY)

This complain is in reference to previously filed complain with CFPB and it's response provided by the mortgage lender. 
Refer to Previously filed complain # XXXX. 
Based on above reference complain #, the company has accepted their failure to provide a loan estimate which is violation to Frank-Dodd Mortgage Lending Rules. 
In the MDL Mortgage dba The Money Store response, they are failed to response fair resolution to the issue. As a fair resolution, following were asked. CFPB and any governing agency must hold MLD Mortgage dba The Money Store responsible to honor following resolution.

1. MLD offered 2.5 % interest rate and did not honored caused me to lock in rates higher than 2.5 %. Company must pay the difference in interest rate for the life of the mortgage. 2. Company should not be allow for such gimmicks in their lending practices. CFPB must take appropriate action against the MLD. 3. Fair compensation must be paid for the mental stress & aggravations created by MLD in last few months.
Consumer complaint received 2019-05-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GCFS, INC. (CA)

I received a signature loan from XXXX XXXX in the amount of {$2600.00} in XX/XX/XXXX after paying {$200.00} a month for 18 months my Bal. Due. was STILL {$2400.00} after several attempts to resolve this balance dispute with XXXX XXXX. I decided to seek legal assistance I never heard from XXXX XXXX again, in XX/XX/XXXX I sold a house, about 8 months later I was going through the paperwork from the sale of the house and noticed a payment made to Greater California financial services Inc. for the amount of {$4300.00}, when researching the payment I found out it was for the XXXX XXXX account, when I contacted Greater California Financial Services Inc. ( here-forth known as GCFS Inc. ) and ask them to provide documentation giving them authorization to collect this Debt. ( I.E. contracts of any kind ) the Representative of this company ( XXXX XXXX ) who I believe is the owner, became very belligerent with me, talked down to me and said to me that if I had payed my bill he wouldn't have had to collect such a payment and then informed me that I still owed another {$2000.00} for interest and court cost, while never providing any contracts. I just got a letter dated XX/XX/XXXX that states my balance due now is {$2500.00} ( interest & court cost ) on a Signature Loan from XX/XX/XXXXof {$2600.00} that was paid on for 18 months ( at {$200.00} a month ) and after this company STOLE {$4300.00} from me or should I say after XXXX XXXX STOLE {$4300.00} from me he now wants another {$2500.00} after 15 YEARS there is no way this can be legal. Please help me resolve this Thank You.
Consumer complaint received 2020-05-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a dispute with the credit reporting agencies in regards to an inaccurate account reporting on my credit. I never received any notifications in regards to the investigation results & it has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I paid in full an auto loan with USAA. USAA sent me a letter verifying that the loan was paid in full. I verified with them via phoncon the loan was paid in full on the phone. In the processing of refinancing my home the lender pulled my credit which showed a collection from USAA for the auto loan paid less than the full amount. I called them and they stated there was a glitch in the system that caused the error to be submitted to the Credit Bureau. I have tried to call them to remove the error from my credit report and they state they are working on it and in the mean time I am unable to refinance due to their self admitted error/glitch in the system.I escalated the error to the highest level and they were unable to give a satisfactory answer.
Consumer complaint received 2021-04-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Have had multiple issues with USAA. Without any notice or right to cure sent usaa sent a repossession company to my home at midnight on Thursday. After a back and forth the company called my local police. After speaking with the officer the officer requested the company leave my property. After the officer left the driver returned to my home and threatened me by telling me to be ready as he will be back. This breaks laws, morals and speaks to the standards of USAA
Consumer complaint received 2020-10-29
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. (PA)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2020-12-09
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. (FL)

I have been disputing an account with the 3 Credit Credit Agencies Experian XXXX  and XXXX. XXXX  has deleted this account for inconsistent inaccurate information. XXXX XXXX and Experian has verified the same account with XXXX this account is reported in accurate information on my credit report it affected me badly the two credit bureaus Experian and XXXX XXXX has failed to do an proper investigation, no investigation has been done at all the date of last activity has not changed/updated therefore no investigation has been done. I have been disputing this account for an accurate information however this account has been supposedly verified I have also requested in method of verification the credit bureau Experian XXXX XXXX has failed to provide me with their medical verification instead they sent and verify letter which I believe is an stall tactic ... both credit bureaus have been sent the information below. as requested. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). The credit bureau has even failed to provide me with the information above instead, I got another verified letter in the mail. I have requested their method of verification since the account has been supposedly verified. The Date of last active with experian is XX/XX/XXXX while XXXX  has XX/XX/XXXX .. if this account was investigated the date should have updated. XXXX  has open date as XX/XX/XXXX while experian has XX/XX/XXXX. The Account type is reporting inaccurate/inconsistent.. experian doesnt even know what kind of account this is, reporting as Unknown while XXXX has telecommunication/ cellular. Experian doesnt even have a valid close date, While XXXX  is reporting a date. This account is also being reported as a CHARGE OFF AND COLLETION. It can not be both it can only be either or charge off & collection this is also in accurate information that is being reported I have been disputing for months and nothing has been done but supposedly verify letters has been sent to me and clearly this account has not been properly investigated the only credit bureau that has properly investigated this account is XXXX  and this account was removed from my XXXX  credit report for an accurate information so how is XXXX  in experience verify this account as accurate if it was removed from XXXX  or in accurate information.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have documents showing that this company reported me owning them 1 million dollars for an auto loan for years. I want this off of my credit report. This company has tried there best to ruin my life by continuing to update a repossesion that is being reported inaccurate on my credit report. At this point I have called XXXX, Equifax and XXXX but they have done nothing but take the creditors side.
Consumer complaint received 2020-05-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (VA)

XX/XX/XXXX I Financed brandnew XXXX XXXX with VOLKSWAGEN CREDIT  Sold it to XXXX in XX/XX/XXXX. 

two years later it appeared on my credit with a {$8000.00} balance out of the blue
Consumer complaint received 2018-07-24
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. (FL)

I submitted a validation letter to Transunion on XX/XX/2018. My investigation was open the next day. I called and verified with an agent. The results were completed in mailed to me. I received them on Saturday, XX/XX/2018 in the mail. The following items were not validated, but instead " verified as accurate. '' Now I have to resubmit another letter and wait yet another 30 days for validation of the said debts? Please assist, as Transunion is not following the law. The debts are below : -XXXX XXXX -XXXX -XXXX XXXX XXXX XXXX XXXX XXXX -XXXX   XXXX XXXX Thank you
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found four items on the report that are inaccurate and the account in question is ... ... 
Please advise why that in the year of 2015 why this account was reported as 30 days past due from XXXX XXXX for four consecutive months? Also, if you reported that payments were late four times how is the payment history of 92 % accurate. Please see my calculations.35 payments- 4 late payments=31/35=88 % Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system but send me copies of the documents that you have in your files that were used to verify this information. 
If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete the negative payment remarks immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed above within 30 days of receipt of this letter then you must remove the negative information from my credit report and at this time I am requesting that all NEGATIVE PAYMENTS BE REMEOVED FROM THE TRADE LINE. I REPEAT AGAIN, DO NOT REMOVE THE TRADELINE ONLY THE NEGATIVE REMARKS! In addition, please provide me with a copy of an updated and corrected credit report showing these items removed with an updated payment on time percentage changed to 100 %.
Consumer complaint received 2019-05-17
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. (FL)

XX/XX/2019 Hard Inquiry Transunion reported that have a hard inquiry from XXXX. I never contacted XXXX or asked for their service. I tried to Contact XXXX and transunion but no luck getting the issued resolved.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This complaint to Transunion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Transunion. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2019-08-02
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)

I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 4 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XX/XX/XXXX {$990.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1000.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Consumer complaint received 2020-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc. (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-05-18
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. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies which I put on Identity Theft i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove all of them because that was a fraud inquiries. 
XXXX Wireless Telephone Service Provider Inquiry date : XXXX XXXX, XXXX XXXXSales Financing Company Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX & XXXX XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Home Furnishings - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Flandreau Santee Sioux Tribe (TX)

My boss received a call from a Mr XXXX, informed her that someone is on their way to my job to serve me papers. He gave her a document number and a telephone number to call. I called the given number, XXXX, spoke with a XXXX XXXX. He states he is with XXXX XXXX XXXX, and there are 2 civil suits against me. He states it's with Rushmore Financial and supposedly I took out a {$500.00} loan. He also states that I can pay right now and the payment will only be {$850.00}. He states that if it goes to court, I will have to pay them {$2500.00}. I told him I have to look into the validity of this loan. He said that it's too late and I will just have to go to court over this. 
I know that consumers have a right not to be served at work or be threatened with a lawsuit or jail time.
Consumer complaint received 2019-03-08
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)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-10-29
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. (NY)

ALL ( 3 ) CREDIT AGENCIES REPORTING ERROR OF ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH " XXXX XXXX '' / AUTO LOAN
Consumer complaint received 2020-05-18
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report