davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-08-03
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. (NV)

Submitted a dispute letter to all three credit reporting agencies and the letter was served on Equifax on XX/XX/2022, and Equifax still has not replied to this day. Equifax is the only credit reporting agency who has not replied ; Equifax is in violation of the law and is causing me emotional and financial injury for their lack of compliance with the law. I've asked them to make sure everything on my credit report is XXXX XXXX accurate as is required of them, but rather than doing this which requires them to thoroughly investigate they have taken adverse action against me by doing nothing, which is causing me injury on a daily basis. Today 's date is XX/XX/2022.
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (MI)

I started a refi with Loan Depot. I was given my final closing documents showing my portion to close was approximately {$400.00}. I then get a phone call 2 days prior to closing f stating hat the loan officer had made a mistake with the numbers and I would need over {$6000.00} to close. I asked the new individual that i was working with if he was certain that if I came up with the new amount if the loan would close. He advised me it would. I took a withdrawal on my XXXX for the monies needed. I received my final closing documents again. Less than 24 hours before the closing I was told that there had been a mistake with their figures on my debt ratio and they can not close the loan. I asked how did his happen as my debt had not changed at all since the approval. The loan officer advised me that an underwriter that is no longer with their company made the error and calculated overtime in. I have never had overtime nor did any documentation that I had given showed ANY overtime. I then asked the company to refund me my taxes and penalties that I incurred due to getting my monies to close and Loan Depot has refused. This is a fine example of fraudulent activity by their company. I want this fully investigated.
Consumer complaint received 2016-01-13
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: GCFS, INC. (CA)

In XX/XX/XXXX, I was forced into a position where I needed a loan from XXXX to make a deposit on a place to live. In XX/XX/XXXX, I lossed my job and could no longer make payments toward this loan. At this time, I had already paid back the loan amount, but was still being charged interest. My loan was charged off in XX/XX/XXXX. Collection efforts stopped and I was informed that my loan was null and void since XXXX was being sued for illegal online loan servicing. This loan was also removed from my credit report. 

On XX/XX/XXXX, I was notified by my Financial Institution that a levy had been placed on my bank accounts. I contacted the firm listed on the levy and was told that they were attempting to collect for this XXXX XXXX loan. I was NEVER notified in any way that an attempt to collect the debt was still in place. I DID NOT receive a summons to appear in court and lost the right to defend myself. 

The law firm listed on this levy is GCFS , Inc . I contacted a lawyer who advised me to review the court documents on my case. I found that a judgement had been passed on me in XX/XX/XXXX. I also discovered that the Proof of Service of Summons included false and inaccurate information. The servicer lied and stated that I was served by personal service at my former employer AFTER I had lost my job. I have since filed a request for dismissal with the court for this judgement against me. 

Additionally, the loan was charged off in XX/XX/XXXX and the Statute of Limitations to collect on this debt has expired. 

I have also filed a Claim of Exemption for the bank levy since the deposit accounts held are my only source of income and neccessary for my basic needs. 

This law firm has no legal right to collect this debt and filed false court documents to get a judgement that I was never even aware of.
Consumer complaint received 2017-02-22
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (IA)

We applied for a loan modification due to financial hardship/job loss for first and second mortgage from Citi. We got approved for the modification. Continuing to receive paperwork on almost a daily basis, we did n't want to mess up the modification and had paperwork demanding past due on the main mortgage we were able to send in a payment but it was n't part of the modification payment, our original loan specialist advised us to ignore that and stick to the modification to not jeopardize the trial period. Because of this, we were led to believe we should not pay on the second loan while in this period. We followed what was required on the main loan and when we asked about the second, we were told to wait. The homeowner support specialist we had been working with was abruptly changed during this time, so we did wait until Citi told us they sold the second loan to a collection agency. When we tried to call Citi and set the payments up we were told that there was nothing they could do, Citi would not service the second loan and that it would be treated like an unsecured loan, not a second mortgage so we were not in danger of foreclosure. Now we are getting notices demanding payment in full and occasionally offers to pay half of it to satisfy the debt.
Consumer complaint received 2015-05-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

Equifax has reported both a freeze and Insufficient credit history on my credit report. This caused problems with my local bank, which refused the issuance of a credit card, and in addition caused refusal of a rental agreement with a community in XXXX XXXX Fl. I have tried to resolve this problem since XX/XX/XXXX without success. Equifax refuses access and correction of my report. Needed documentation was mailed to them via certified mail on XXXX occasions with result being that I receive the same documentation asking me to provide proof of identity which I have provided over and over again. My last request to them on XX/XX/XXXX generated the SAME document, dated XX/XX/XXXX. I have attached all documentation including the last received document dated XX/XX/XXXX. I need to say that credit reports from " XXXX '' and " XXXX XXXX '' reflect my correct data. The attached file shows all documentation provided to Equifax.
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank XXXX XXXX XXXX XXXXXXXX Florida XXXX The bank named above issued to me store credit cards in the last few months they continue to lower the line of credit I have avaible, I ask why on a chat session on line ( I am XXXX years old and XXXX ) the other person on the char session did not know why I never missed a payment usually pat off the cards in first month when I get bill not ever month but 10 out of 12 months, in their letter to me they site credit reports, but after looking into this I find that Synchrony Bank is reducing the credit line due to me age, most likely using a computer program to predict when a person will die I feel this is wrong and I am not sure if they have some how obtained any medical files on me, I did have XXXX XXXX last year had the XXXX removed and have been XXXX free ever since This is wrong a bank should not try to predict a persons death, this bank has been paid and of course I will return their store cards even thu they have a lower limit, I think this bank should be investigated as to its policies of senior citizens Please let me know if this policy is a violation of Federal Law Thanks XXXX XXXX
Consumer complaint received 2016-03-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MD)

My credit report had hard inquiries not allowed by me not sure if it 's for marketing but I 've written equifax XXXX and XXXX to no avail about this. Many hard inquiries are against my permission : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have a credit alert on my account and I 've written each company directly.
Consumer complaint received 2017-04-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA (PA)

Purchased a vechile in  2012 , I voluntarily returned the vechile related to financial hardship. I never heard back from the auto dealer, I was provided with no information regarding the car for possible repossession of the vechile, nor when it was sold. However I did hear from a collection agency asking for {$8000.00} + approximately!   When I request validation of the information according to the law, I received no information but transferred to the collection agency. I began the disputing process with all   XXXX   credit bureaus but was unsuccessful, the item continued to be verified with no prof how. I never received what information was provided or how the conclusion came about.   So I decided to contac t Kia Motors  myself and spoke with the Kia financial office whom then sent me a copy of the contract which was tampered with showing misrepresentation of a legal document in which my husband and I never signed. My address was completely hand written over. According to the law the company must provide me with proper notification for redemption as well as deficiency. As well as being compliant with the 1. Uniform commerci al act 2. Retail installment sales act 3. Truth in lending act 4. Consumer fraud act Upon further investigation, I then spoke wit h the manager from the auto lot where the car was brought, whom then emailed me an unsigned contract with a different  address ( the ad dress which was hand written over the contract after it was signed ) illegally.     Enclosed is the contract in which I received from kia finance department, as well as the contract from the  manager  of  Kia Motors  unsigned with a different address which was not provided via drivers licenses from myself and husband in which the company altered without my consent, nor was it signed when changed, or initialed by me when performed nor was this misrepresentation on the contract upon signing.   Furthermore, What I did not understand is that, if I was present at this time when the address was changed ; why was the contract fully reprinted for me and my husband to sign a clean accurate contact, if this happen while we were present at the dealership, as well as what other information was altered?   According to the  law if one pie ce of the contract was inaccurate and misrepresented then this item would be dismissed for non valid information, contract fraud as well as a criminal act breakage of :  The Fair credit Act 807  using any false, deceptive, or misleading representation or means in connection with the collection of any debt.   Not to mention this item was sold a  two  debt collector whom I have no contract with whom continues to report negatively on my report while the item is closed and listed as a charge off, as well as providing false information to all  XXXX  credit bureaus.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (MO)

I booked a flight through XXXX on XX/XX/2017 which was XXXX leaving XXXX to XXXX on XX/XX/2017 returning on XX/XX/2017 arrived @ airport@XXXX. for catching plane@XXXX. went to ticket counter to get boarding pass & ask if i could take my XXXX suitcase on with me, agent said yes get to XXXX lotion was over the amount to travel so i went back to ticket counter to check the suitcase in agent stalled me & said she is processing to check luggage then she said i 'm sorry it 's to late to check in & if i check your luggage you will miss your flight i replied that I have enough time to catch my plane can I speak to a supervisor, she replied she is at the airplane boarding passenger she is busy she will be with me after she finish, XXXX was the supervisor, she stated to me she will not be able to help me its nothing she can do about my plane leaving & i can call customer service to re-book another flight, & told her staff lets go we are officially closed, I sat in that airport calling customer service I spoke to XXXX explained the action of XXXX staff she stated she would refund my monies for the inconvenience, & put me up in a hotel & there would be no charge for checking in my luggage i did n't leave i waited for the counter to open@XXXX. spoke to XXXX the supervisor, explained what XXXX said & stated there would be notes to confirm, XXXX said to me it will not be valid if i want to catch a plane the best i can offer you is standby & you need to pay & XXXX for the XXXX passenger & {$30.00} to check in your luggage i replied I had a round trip ticket paid, so i was force to pay amount on XX/XX/2017 I wanted to get home I contacted my credit card services elan credit card services ( Gateway Metro Credit Union ) to file a dispute on XX/XX/2017 I have been giving the run around for an entire month being shuffle from card member services representatives XXXX to supervisor, ( XXXX ) of Disputes I was told that they will figure out how to get monies return to me because they are not sure what it would fall under instead i was given the run around to send in rebuttal i did by fax still denied so I am reaching out to get a resolution to receive all my monies that have been paid to XXXX, I also am complaining the actions that elan credit services taken on XX/XX/2017 had terminate the use of my credit card i feel this is so disrespectful as being a customer.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

This credit bureau is allowing collection agencies to change the dates of last payments on accounts they have purchases causing an extension on the statue of limitations allowing them to extend collection activity. The credit bureaus have the accurate information on credit history provided by the original creditors but they do not verify the legitimacy of claims submitted by collection agencies for the same accounts. Furthermore they are causing XXXX the amount of negative items by reporting the original along with the collection activities on the same exact account ( See XXXX, XXXX XXXX, and XXXX on attached ). This has prevented me from renting a home and other credit extensions, and there really is no way for a consumer to defend their own case since the companies always side together. This information could be verified by looking more closely at information prior to simply adding on to a report which can ruin a persons life. If credit reports are to be held at such standards then they need to make sure they are adding accurate information that is not repeated.
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (IL)

My loan is with Navient and there are several issues. They have XXXX sites and XXXX claim that my payments are different and in XXXX different areas there are three unique payments due. When I call they give me yet another amount due - none match whatsoever and the amount that actualy gets taken from my account is another amount. Nobody gives me an answer and I get the run-around every time. They say one thing and take out another. I make payments and they out them towards other loans that I did not request to pay off which are lower interest. This company is a scam and the people that I deal with are just taking orders without compassion for their customer. I recently got a notice for past due payment and they said it was due to XXXX - how is that my fault? I asked for a manager and they stated that there were no managers on staff at the time of my call which is XXXX on a Wednesday morning!!!!!! How is that possible. Again, this company is corrupt and is taking my money. I do not trust them and have been dealing with them for months now. Its not getting any better, but worse. i need help.
Consumer complaint received 2016-11-25
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP (IL)

XXXX XXXX, 2016 To Whom It May Concern : I 'm outraged US Bank debited my account {$570.00} without my authorization after a credit card payment! On XXXX XXXX, I completed an external transfer for {$300.00} and {$270.00} respectively to my XXXX US Bank credit cards. However I noticed my checking account had double posts from US Bank totaling {$1100.00}. Immediately I called and spoke to a representative and she confirmed there had been a mistake on their system and expect a refund in four days. I 've called three more times and spoke to several representatives that stated my money can be held for 17 days until returned! I have also left voice-mails to the special payment research department and have yet to receive a phone call back. This is unacceptable for my money to be held while US Bank makes interest for over a week! My funds need to be returned to my bank account immediately with interest! I 'm looking for a fast resolution and funds returned as soon as possible. 
XXXX XXXX XXXX
Consumer complaint received 2015-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (CA)

So my wife and I switched from XXXX to XXXX, and XXXX advertised that " we 'll pay your early termination fee ( ETF ) ''. So we went there and we followed all the steps for them to pay our ETF, and now we 're getting calls from the CBE debt collection agency about a XXXX bill that was never paid. So I called the main office number and the female representative said I should of received a prepaid debit card with the money on it and that I should of paid the termination fee myself and use the card for what ever else. So when I called the store where I pay my bill at the male representative said " well, how it usually works is you pay the termination fee and we reimburse you with a debit card. '' I told him " that was never explained to me when I decided to choose XXXX and if that was the case, then why advertise that XXXX will pay your ETF when I have to pay it myself? '' The representative proceeded to tell me there is nothing tmobile can do for me due to it being passed the XXXX day limit to request a ETF yet I followed the steps that the representatives told me to do. Now my grandmother-in-law and myself have marks on our credit due to the lack of knowledge XXXX failed to provide me with and set XXXX up for failure and the false advertisement that they 're still advertising to this day. Can someone help me or at least point me in the right direction to take care of this problem?