davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEP ED, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX EQUIFAX MORTGAGE SER EQUIFAX MORTGAGE SERVI EQUIFAX MTG XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-13
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fidelity National Financial, Inc ()

FORECLOSURE FRAUD : Disputed the amount owned on maintenance fees for Timeshare Property with XXXX XXXX. Sent numerous emails and received no response addressing my query on the outstanding balance. 
Apparently my property had been foreclosed on without my proper notification or opportunity to resolve. 
To date do not have access to my property nor any indication of the status. 
Have been trying to contact XXXX XXXX who have directed me to Fidelity National.
Fidelity National in return have directed me back to XXXX XXXX. 
Despite my many attempts to resolve, expressing my dispute on the amount owned, I have received feedback, notification, or information.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (CA)

I was issued a Discover Card with a credit limit of {$8000.00}. I tried to make a purchase for my daughter 's XXXX birthday through XXXX XXXX to find that my card was declined. I immediately called the company who then told me they lowered my limit due to recent inquiries on my account. First of all I did not give them the right to monitor my account monthly. Secondly I am a homeowner shopping around for refinance loans in order to make upgrades to my home. These inquiries should serve no bearing on my credit limit as it's in no way relevant. Thirdly I have made all of my payments to Discover Card on time. I believe I have been discriminated against for a numerous amount of reasons inclusive of my race. To add insult to injury, my score has and will drop based on this decrease as now it papers I've maxed my card out which may result on failure f me obtaining the loan I've been working on which is unacceptable.
Consumer complaint received 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I have tried to get a payoff request in order to refinance with another lender from Truist/Suntrust . I have not been able to acquire a payoff statement. This has pushed my lock twice extended. No response from Truist. I have been transferred time and time again. 

Payoff Amount. XXXX.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

at XX/XX/2021 XXXX XXXX used my card without my authorization and charge me {$1000.00} for product it did not purchased and did not receive I brought this to the attention of bank of America, 26 days later I received Resolved - claim not paid, they did not even talk to XXXX XXXX XXXX. i did not purchased anything from them that day
Consumer complaint received 2016-12-12
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC. (AZ)

Suntrust was ordered to comply with the XXXX mortgage servicing rules as of XX/XX/2014. The Department Of Justice, HUD, and CFPB established rules to prevent poor documentation and lost paperwork as of XX/XX/2014. My home was foreclosed on while applying for an unnecessary loan modification in XX/XX/2014. The loan manager from Suntrust Mortgage kept losing the loan modification application. I was evicted from my home of XXXX years in XX/XX/2014 at gunpoint.
Consumer complaint received 2017-08-13
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX  Equifax XXXX XXXX XXXX XXXX, GA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.
The following inquiries are related to none of the aforementioned permissible purposes.
XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry fromXX/XX/XXXX, XXXX XXXX  Inquiry fromXX/XX/XXXX, XXXX XXXX-fla Inquiry from XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (WA)

I had a XXXX XXXX credit card account that became charged off and was later pursued as a collection account by XXXX XXXX XXXX XXXX. I have since been able to address this account through XXXX and they have deleted the negative reporting associated with this account. The XXXX XXXX account is still showing as carrying a balance. I have attempted to correct this reporting via the fair credit reporting act and contact with the creditor. XXXX XXXX responded that they had sold the account to XXXX and were no longer reporting it. A recent home loan inquiry still reports this account with a delinquent balance. I have included the notices I received from XXXX XXXX XXXX XXXX XXXX verifying the debt and payment. 



I would like this account deleted from my credit history.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (NY)

Enhanced Recovery Corp entered a fraudulent entry on credit report which had been previously removed as a result of ID theft in 2014. This fraudulent amount is allegedly for XXXX XXXX XXXX, which I have never had ( I use XXXX ). When I called their XXXX phone number, they said there was no account with my name.
Consumer complaint received 2015-10-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (MS)

I received a letter in the mail from Castle Payday ( not a payday loan, so they claim ). 
while applying online with specific agreements and rates and how much i would be paying and interest and fees, every thing was flowing smooth and i agreed on an {$800.00} loan. 
before i could finish the process, they call me and want to finish out on the phone and they tried changing up the agreement where i would pay a {$400.00} fee up front on my first payment, I told them that was not the agreement i electronically signed on the application over the internet, and that if we are going to proceed, I will only agree to the original contract i signed, they finally after bickering back and forth agreed ( i think just to shut me up ), they pulled a bait and switch on me - they then proceeded and the next day, I had {$800.00} in my account, i called on my due date to process payment which was automatic but i needed to confirm it, they wanted {$400.00}, I told them that was not the agreement i signed, they then email me an agreement that i never saw before, not once, it had a 560 % interest rate, making the total {$800.00} loan, {$6200.00} - - i would never in my life agree to a loan like that, it is insane, ( im enclosing an attachment of the agreement, i had never seen this nor did i sign this, my first time even knowing about it was when they sent it to meafter i complained with them for not honoring the agreement - this is not the agreement i signed or acknowledged ) i never was presented with this - i called and they told me i could pay XXXX and close out the loan, i said i dont have XXXX could i pay the XXXX and then pay the rest next month and it close out, they confirmed that yes i could ... ..next month rolls around and they tell me i have to pay another XXXX plus the XXXX, i cant just pay the XXXX ... .basically i have to pay XXXX out right, at least thats what they tell me this time, im sure it would change next month as it has changed every time i talk with them, they dont honor their agreements so i shut down my bank account and im not going to honor my original agreement, they got their money back and they are not getting anymore, my only concern now is that because they are deceitful and scamming and have the abilities, they can now affect my credit ... im not the only one, there is a website of XXXX 's of complaints identical to mine in regards to castle payday consumer loans
Consumer complaint received 2017-08-13
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: LEXISNEXIS (TN)

several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX " confirmed '' with lexis nexis and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data. I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Under FCRA, the same debt is not allowed to be collected from XXXX companies. XXXX XXXX XXXX XXXX ( XXXX ) is in violation of FCRA by reporting a balance due and collection status although they sold the debt in XX/XX/year>. 
Due to their violation of FCRA, I request that you immediately and permanently remove this account from 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2017-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

The alleged servicer has been wrongfully denying me for a loan modification. I had a HAMP, FNMA, XXXX XXXX underwriter look at my loan modification and stated based on all the documentation I have submitted to the bank and the guidelines, I should have been approved for HAMP. I also qualify for inhouse modification based on guidelines. I am not even sure that the servicer that sent my payoff actually has the right to service my loan. The foreclosure plaintiff is XXXX XXXX XXXX. There is no assignment to the current servicer that has denied my loan modification and supplied the payoff. I am also XXXX, so being put out into the street is unjust. I make enough income to to afford my home. There also is equity in my house, so I could have sold it for a profit in order to find a new home, however due to my XXXX, it is much easier to live within my current home. The servicer is not calculating income that I have provided and also refusing to further review me for a modification. Please help. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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. (TX)

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. The Credit Bureaus has no response regarding this issue. Again, Im sending over Identity Theft Report # XXXX Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to block any information in my file that resulted from identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. The following items listed below are unknown to me and need to remove from my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Inquiry Date XX/XX/2021 ;
Consumer complaint received 2017-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX  XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX  " confirmed '' with XXXX XXXX and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data. I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.
Consumer complaint received 2015-10-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Friendly Finance Corporation (OH)

My ex-wife and I divorced XX/XX/XXXX I was court ordered to gave my ex XXXX the vehicle, I was ordered to sign the car over to her, with the court order she was to pay the loan, after 5 years of not paying, now the loan company is going after me to pay loan, In the last years, I 've not heard a word from the loan company about any of this, the loan company did not repo the vehicle, she still has the vehicle to my understanding, XX/XX/XXXX when I received my pay check, the loan company garnished my wages without me knowing, I received nothing in mail or a certified letter stating they were doing this,
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (IL)

I received a notification of enrollment into citi banks credit card protection program, and charged a monthly fee. In addition, the letter contains a mispelling of my last name, I have not used this spelling in over 5 yrs. I did not enroll into this program, nor did I apply for credit with citi, nor  do I have a credit line with citi. I contacted citi bank on XX/XX/XXXX. I was prompted to enter my social security number, upon entering my ssn the automatic message stated that my social security does not match. I then went through a list of prompts to speak with a live agent. Once I was able contract a live person, the rep claimed I was in the wrong dept and transferred to another rep who also stated I was transferred to the wrong dept and that he would give me the correct telephone number, instead of receiving a telephone number I was hung up. I called Citibank for the 2nd time and explained the situation all over again, at which time the rep transferred my call to a promotional line which I could not exit without hanging up. I called Citibank for the 3rd time asked to speak with the manager, instead I was transferred to the supervisor. The supervisor was unable to assist, and stated that this was a known issues, and I was not the only one affected. The supervisor placed me on hold in an effort to transfer me to a different dept just to come back and tell me that he is unable to assist me and that I would have to call back on Monday for a resolution and explanation.