davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$680.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$83.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (VA)

XX/XX/XXXX I seriously concerned and disappointed in how Barclays charge interest, apply late fees, and apply other hidden costs to keep the balances high on my credit card accounts ending XXXX and XXXX even after I make substantial payments. 

I noticed that if I make a payment on the due date after XXXX ( CST ) which is XXXX ( EST ) you apply late fees ; this is fraud. 

In addition, the amount Barclays charge toward interest and the ending statement balances do not correspond ; this too is fraud.

Finally, I can not determine how Barclays is calculating the interest payment in order to obtain the amount of true interest owed - when I try to add or calculate the interest listed it does not match Barclays amount ; this is also fraud. 

This has been occurring since XXXX on the account ending in XXXX and since XXXX on the account ending in XXXX Regards, XXXX XXXX XXXX
Consumer complaint received 2018-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Ditech Financial LLC (FM)

I sold my house and while waiting for the closing date I was in contact with Ditech Financial LLC. They informed me that as long as the mortgage was paid in full by the end of the month that I would not be penalized. The closing occurred on the XXXX of XXXX. Payment was not wired to Ditech from the title company until the following day since the closing happened after XXXX EST on XX/XX/2018. 
Ditech was paid in full on XX/XX/2018 yet they reported me to the credit bureau as being 30 days late. This is preventing me from purchasing a house due to the drop in my credit score. 
I have never been late on my mortgage payment. I have contacted Ditech several times via fax and phone, yet they have claimed to not have complete records of such correspondence. I have hired a lawyer. 


Thank you, XXXX XXXX
Consumer complaint received 2022-10-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Master Finance Corporation (OK)

i have spoken to this company and they will still call me at least once a day, every single day and leave a message. sometimes they call more than once. i blocked them but they are now using alternate numbers and apparently 3rd party software to bypass the number block. this morning they called and somehow got through the number block. i called them back and said they call me every day even after having talked to me less than 7 days prior. XXXX, the XXXX will call me even after i talk to someone in the office and leave a message saying SHE needs to know what's going on... it's repeated harassment. i told them i'm filing bankruptcy and have no job and no money yet every day it's the same thing. i'm tired of being screamed at and called repeatedly daily. i have advised her that she's using illegal tactics for debt collection and abusing me and have told her not to call me but she keeps calling.
Consumer complaint received 2018-08-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (SC)

In XX/XX/2006 I opened a student loan with Sallie Mae for XXXX to aid in funding my post secondary education. Over the past 12 years that balance has more than doubled to XXXX. I feel this is absurd. Sallie Mae, now Naviet has forced me to contend with the forbearance option of this loan and continues to capitalize the interest. I have made several attempts to pay down this balance and have made more the XXXX in payments over the past several years. This is becoming an absolute burden and Navient appears to be unwilling to work with the client to help pay this balance down. I have provide a statements to aid in this dispute along with the most recent rate reduction document.
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (VA)

I have contacted XXXX and Experian. I have changed my name because of this person, my SS number is very similar to them, live in the same county, same state. This is a joint account, I have only individual accounts..
Consumer complaint received 2022-05-13
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fig Tech Inc. (FL)

In XXXX of XXXX and acct with fig loans was opened in my name in the amount of XXXX when I noticed it on my credit report I notified the company to report fraud and they stated that the information on file was not mine and they would remove it from my credit reports which still has not happened as of XX/XX/XXXX XXXX
Consumer complaint received 2021-04-20
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. (CA)

I have one account on my credit report that is not mine and it looks like a collection I have not used this or opened this account I dont know why it's on my account I need this gone asap. 

XXXX XXXX XXXX acct # XXXX {$0.00}
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

This is a continuation of XXXX about DISCOVER CARD. 

Unfortunately, Discover did not update my information with the credit agencies as noted in the XXXX letter. 

In XXXX, I had the opportunity to refinance my mortgage at 4.00 %. My original rate was higher than it should have been because of the ding to my credit report. 

Because my information was not updated by Discover to the credit agencies, when I went to refinance, I did not qualify for the 4 % mortgage rate as my credit score was still dinged. 

After reaching out to Discover in XXXX, they did fix their error with the agencies ... .however, interest rates had moved up and the lowest rate that I could get was 4.125 % as the process took a bit over a week. 

This is an extra {$280.00} a month I am paying through no fault of my own and, over a 30 year mortgage this is around {$10000.00} in extra payments. Had my information been updated a month, two months, three months, four months after the letter was received, I would have been fine and would have been enjoying a 4 % rate. 

I would like Discover to look into making a contribution to the extra payments that I have to make as I am being punished and paying a higher rate than 4 % due to their oversight and 5 months after the letter, no update of my status with the credit agencies.
Consumer complaint received 2018-08-22
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. (NJ)

Dear Sir or Madam, We went to florida on XX/XX/2018 for a visit to our family, we rented a car with XXXX car rental XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX. we go to fl every year at least 4/5 times a year, and because of that we have our XXXX ( to pay for the tolls ) when we arrived to pick up the car, we told XXXX that we have our own XXXX, that we don't require their service, so they said ok, you have to sign and decline acknowledgement, so we did, because we had our own, so we register the car with our XXXX, and we paid all our tolls during our trip to Florida. We returned that car and all was good. when we got back home, we call XXXX because, the deposit of {$250.00} was not there, and it was already more than 4 weeks, so they said, sorry we will give you your money back in a few days. Sorry for the delay, but they only give us {$74.00} out of the {$250.00} because they said that they collected {$170.00} for tolls service?? I told them that's I mistake Sr. we agree that we were going to use our own XXXX and we declined yours, and we paid for all our tolls, i have the proof that we did, but they did not care they said too bad we charging you and we are not giving you the money back. So I put i dispute with citi card, and they are not able to fix this, i submitted all the proof, XXXX statement proving that I paid all the tolls, proof of declining the XXXX with them, and still they can give me my money back. they are a scam, ( XXXX ) everyone is complaining about them but nobody is doing anything about this. Please help. Thanks, XXXX XXXX
Consumer complaint received 2022-10-24
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Center, LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX  ; Credit Center , LLC XXXX XXXX  XXXX XXXX CT  XXXX Re : XXXX Dear Credit Center  , LLC, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified the debt as {$270.00} for XXXX XXXX XXXX that my father, XXXX XXXX utilized while ill with XXXX. He has since passed as of XX/XX/XXXX See attached death certificate. I do not have any responsibility for the debt you are trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (FL)

I have been disputing the inquiries on my report but unfortunately, the company hasn't taken action about it or ignored the dispute, The first time was on XX/XX/2022 so this is my second time and I filed a complaint to FTC about these errors to prove that these are things that I have no knowledge of. These inquiries are being investigated by FTC so these inquiries must be deleted until their investigation is done.
Consumer complaint received 2022-10-24
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. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TN)

Afni, Inc has placed a collection on my credit profile claiming that I owe {$510.00} to XXXX. I have NEVER had a XXXX account. I've mailed letters to this company TWICE and have not received one single reply. This company is tarnishing my credit worthiness for no apparent reason.
Consumer complaint received 2022-08-23
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. (PA)

I purchased a new car on XX/XX/22 ; the car dealership 's finance department apply for multiple loans with out my consent. I specifically asked them to only use XXXX XXXX XXXX. I did not authorize XXXX XXXX  XXXX, XXXX XXXX, or XXXX XXXX to pull my credit. 

There are multiple inquiries on my report that I do not recognize XXXX XXXX, XXXX XXXX, and XXXX.
Consumer complaint received 2022-05-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... I have also been affected by the Equifax data breach and believe it has gotten into the wrong hands.
Consumer complaint received 2018-08-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MA)

Quicken loans was working with me in a home loan for over 6 months. People working with me in quicken loans where Mr XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ), and the person of claims. This company should be investigated. They gatter all my paperwork needed, XXXX, birth certificated of my kids, bank account information with statements, we did a VA amendment to purchase contract along with the home owners XXXX XXXX and XXXX XXXX. Pest inspection was done by XXXX XXXX, Appraisal was done by a real state and va aprraiser name XXXX. I was approved by underwriting of quicken loan ( XXXX XXXX ) .Quicken loans ask me for XXXX dollars deposit that it will be included in my va home loan. The office of attorney XXXX XXXX, Tel # XXXX ( XXXX ) attorney of home owners XXXX XXXX and XXXX XXXX local pastors. Attorney office contact me because they have all the paperwork ready given by quicken loans for closing in the home, attorney give me a date for closing for XX/XX/2018 @ XXXX XXXX. The same day of the closing on the home ms XXXX XXXX call me and told me that they run my paperwork through va underwriting and they cancel the loan. I call mr XXXX XXXX after i spoke with XXXX XXXX and he said that everything was ready for closing but there was a change in the money that I have to bring the closing date. I inform what i spoke with ms XXXX and he said that to his understanding everything was good and he will speak to XXXX XXXX. Then I call XXXX and she said there is nothing that she can do. That was an Va underwriting decision, because they see me as a risk. I ask for my money back of XXXX dollars and claims told me ; they can not give me the money because the XXXX dollars exceed the money they spend. I read reviews of the web about quicken loans and some people where ask for the deposit of XXXX dollars and they never received the money back. Please i want my money back, and please investigate quicken loans. They are giving people false information. They need to paid me back the deposit of XXXX dollars and shred all my paperwork along with birth certificates and bank accounts that they have. Scam watch. Sincerely Us XXXX Veteran.
Consumer complaint received 2022-09-21
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. (MT)

The debt for XXXX XXXX was settled, it is no longer in collections. There should be a XXXX balance reflected in my credit report. The remarks can reflect paid for less than owed if need be. please see attachment for account number and proof of payment.