davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Vehicle Solutions Corp (FL)

This company statement is deceptive and misleading. This company has violated rules FDCPA and FCRA. This company states that I made a payment on XX/XX/2021. Per my loan agreement my payments are due on the XXXX of every month. On XX/XX/2021 I made 2 payments totaling XXXX which meets my contractual obligation. This company continues to indulge in malicious intent by locking my account and stating that only a manager can process a payment. I have made several attempts daily to speak with only one manager that can process payments and unlock my account. The staff mainly speaks XXXX and is insanely rude and unprofessional. I have phone records to validate the timeframe of my calls. This company continuously engages in deceitful practices and intentionally makes it difficult to submit payments which is creating stress and is causing final harm to myself. I am requesting for Vehicle Solutions to provide accurate documentation that I have consistently submitted payments beyond 30 days late. Additionally I am asking for Vehicle Solutions to stop the deceitful practice of locking my accounts from on time payments. Also remove this false / inaccurate information from my credit report and provide a complete and accurate payments for all payments submitted for this account.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

had a PayPal business account that I had opened when I had a business. because they couldn't offer me the services my business needed, I didn't use them, I took a loan from a family member, and was using PayPal to pay them back. have been transferring money into the PayPal account and paying the same person out of the account since XXXX of this year this month have have transferred XXXX into the account and was going to make the loan payment to my aunt who lent me money like I have since XXXX, but I could because PayPal, put limitations on my account. I went in to resolve these issues, however instead of resolving these issues, they completely froze the account. trapping my XXXX into the account in case of disputes, charge backs Etc. when there never has been one. they are hold my money for up to 180 day ( 6 Months ) I tried to call customer service, where I sat on hold for over an hour and a half, and was disconnected, when I immediately called back they were closed. 

The only reason I can find as to why is because it violated community guidelines. I dont know how making money transactions on a platform for sending and recieving money is a violation of the guidelines.
Consumer complaint received 2021-10-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (ND)

In XXXX I applied for a XXXX XXXX XXXX or XXXX XXXX loan for the amount of {$4000.00} for the XXXX  and XXXX semester. After about XXXX to XXXX years later I received a letter from them saying that I had to start paying for the loan and I was paying {$15.00} a month after year to XXXX I realized that I was paying this loan to XXXX different companies so I stop paying. About XXXX years later in XXXX I received a letter in the mail that I have been XXXX and I have to go to court on XX/XX/XXXX was my court date I think so. For some reason I wasn't able to attend my court date so couple of months later I received a letter in the mail that I loan increase to {$8000.00} and they are going to be collecting the payments from my paycheck. So I was paying {$800.00} a month for about XXXX to XXXX months and they send me a letter that my loan was paid off. But I have been checking my credit and I still seem account or companies still my credit report saying opening and account has been transferred
Consumer complaint received 2021-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC (FL)

I have applied for a personal loan and was denied by ROCKET LOAN with no reason perfect credit history no degarotiry account, income excellent no reason what soo ever These practices of discrimination are recurrent, i was refer by friend which is my co worker same situation of discrimination, provided all documentation to support my claim on the loan and i was denied for reason
Consumer complaint received 2021-11-23
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. (NC)

I sent letters to all XXXX credit bureaus on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I have also sent an FTC report for collection accounts that are not mine. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I never had any medical services with anyone.
Consumer complaint received 2021-11-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (LA)

My Mortage with the help ofXXXX XXXX XXXX  have fraudulent removed more than {$8000.00} from my escrow account the companies that got my money is XXXX XXXX XXXX XXXX {$4200.00} Flood Insurance Certificate NoXXXX XXXX XXXX XXXX {$1800.00} Home Owners Insurance Policy No. XXXX, XXXX XXXX {$1700.00}. 
Homers Owners Insurance. Policy XXXX all this was done by Mid American Mortage , Inc. XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2022-08-12
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: DISCOVER BANK (NJ)

This company is reporting to my credit report and they have not answered any of the letters I have sent to them requesting to provide information about this account, I tried to communicate to the credit bureaus and was unsuccessful since they refused to update the information as well.
Consumer complaint received 2022-08-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CO)

XX/XX/XXXX I noticed a charge on my XXXX XXXX XXXX checking account in the amount of {$1000.00} in the name of PayPal. I refuted the charge with my bank, they agreed this was a fradulent charge, they had seen it happen a number of times and were aware this was an issue with PayPal. XXXX changed my bank account numbers and requested the {$1000.00} back from PayPal as a case of Fraudulent transaction. PayPal returned the {$1000.00} and " Locked '' the PayPal account associated with my name, recognizing this was in fact a fraudulent transaction. 1 Year later ( XX/XX/XXXX ) I received a letter from a collections agency ( XXXX XXXX XXXX XXXX located in XXXX, UT ) stating I owe {$1000.00} from a PayPal account they now owned. I contacted PayPal and they state that because the {$1000.00} was put on a prepaid debit card before my bank was able to contact them and report the fraudulent transaction, and because the bank requested a return of {$1000.00}, the PayPal account continued to reflect a - {$1000.00} balance. Although they acknowledged the transaction was fraudulent by locking the account, they still left the balance. No communication was sent to my email, or my phone ( both of which PayPal has on file to this day ) regarding the negative amount. Not at 30 days, not at 60 day, not at 90 days, not at 180 days ( which is the cutoff date for " reporting '' fraudulent activity ) although " locking '' the account was, for reasons unknown, not considered a " report ''. The only notice I received was from XXXX XXXX XXXX exactly a year later stating they now own the account and require payment. PayPal is unable to do anything because the account was sold. PayPal is also unable to remove any of my personal information ( they confirmed my address, email, phone, old bank account numbers and SSN were kept for history and/or record keeping ).
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I purchased my home in XX/XX/XXXX. I financed the mortgage with Rocket Mortgage ( Quicken Loans ). I always pay on time, I have never missed a payment or paid late. On XX/XX/XXXX I applied to refinance my mortgage in an attempt to lower my interest rate. 

Rocket Mortgage said they were unable to approve my loan because I owe past due child support. I explained that I have a court approved child support order to repay the past due child support in monthly installments, but Rocket Mortgage said they were still unable to approve my application. 

I want to know if a bank can legally deny a loan application based on past due child when the child support is being paid per court order?
Consumer complaint received 2021-12-30
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: LEXISNEXIS (AZ)

Hello! 

Just wondering if you could help me out with my situation or point me in the right direction, please? I am fed up with trying to reach out to these companies. 

I am trying to file a complaint against XXXX and Lexis Nexis. XXXX without any warning or notice changed my auto insurance from ninety dollars a month to XXXX dollars a month. They did not and still have not provided me with a letter showing the reason for changing the price per month. They just increased it and billed the higher amount the following day. When I asked them, XXXX first said that it was due to inflation and they were doing this to all the customers living in Arizona and then after I filed a report with XXXX, they are now saying that it is because the Lexis Nexis company increased my car insurance credit score probably because I refinanced my home. I have never heard anything like that before and I speculate that they are doing this to many of the customers to earn more profit and therefore, I am requesting you to please help me out and others that may be impacted by XXXX immoral work ethics. When I asked XXXX to let me know my past and new Lexis Nexis 's credit scores the insurance price is based on, they said the company did not provide them with any score values. So, how did XXXX increase my insurance rate? On what basis? This is a fraud happening behind closed doors. XXXX does not receive scores from Lexis Nexis but still they increased my car insurance price based on Lexis Nexis 's credit report. This fraud is bigger than it sounds. Nothing changed in my life that should impact my car insurance score. I dont even drive that much these days because I work from home. I am getting a much lower mortgage rate of 2.25 % because of my excellent credit history. If only that should improve my credit rating and I should get better rates. How could this impact my car insurance rate??? I have never heard of this before. These people should be ashamed of themselves. There is no way to reach out to the Lexis Nexis company even though they have a lot of phone numbers and XXXX does not leave a digital footprint either since they only accept phone calls, and they say whatever they want. 

Would you help me out PLEASE? 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-16
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: EQUIFAX, INC. (OH)

There is a balance on my transunion credit report that should reflect as it has been mark as charge off and is over {$600.00}. Yet Im still getting ding for it! Unacceptable and feels XXXX.
Consumer complaint received 2021-10-20
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: EMBRACE HOME LOANS (FL)

Companies or lenders obtained my personal information either fraudulently or had no authorization to request or obtain my credit report. I have tried to persuade companies and credit bureaus to actualize or update inaccurate or unlawful obtained information from my report.
Consumer complaint received 2022-08-24
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. (TX)

The fact that the law gives me protection as a consumer against false information being simply reported on my credit report has been disregarded by the credit bureaus. I would like to make one last request for analysis before I meet with my own legal counsel so that I may understand how to handle erroneous and unverified materials that are now being regarded as true. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaux to confirm these accounts ( A ). It is prohibited to reject these reporting accounts as unreliable information within the legally allowed time frame without providing any rationale. The following accounts are shown on my credit report as needing enquiry and adjustment because of erroneous reporting : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (IA)

The credit card account was agreed by myself and US Bank to be placed into a hardship status repayment plan. The agreement to participate in the Hardship Program requires that my bank account have the monthly payment automatically taken directly from my checking account which has been transpiring since XX/XX/2019. During the initial onset of COVID-19 I did request a one time payment forbearance. 
My compliant is that US Bank, did not inform me a payment made after the XXXX would be reported to the Credit bureaus as payment made late. I asked that the payment be taken from my checking account on the XXXX of each month however my bank statements all reflect US Bank went to my account later than the XXXX of each month and reported to the credit bureau payment made, but anywhere to 3 to 5 days late. 
I've called and discussed my concern about how my payment was being reported late to the credit bureaus with regards US Bank hardship program. I did in fact change the automatic debit payment to the 15 of each month and my bank statement reflects US Bank didn't go to my account until the XXXX of this month. US Bank has not provided written documentation that US Bank is now going to my checking account on XXXX of each month. I also asked US Bank for written documentation of the current account status in terms of what the current balance is and that payments history and US Bank has not provided the requested information. The request for account status written documentation is needed for verification of security clearance for a government XXXX job position I'm currently moving forward to obtain.
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SF VAGO, LLC (TN)

This is to reference State Farm Bank also EMLVP, LLC as the loan originator for my RV trailer. I had called in XX/XX/2022, XX/XX/2022 and XX/XX/2022 to check on terms to Voluntarily Surrender my trailer. I was mailed via USPS a form and I diligently faxed it back after I had spoken with a rep from State Farm Bank for over an hour and a half making sure I was clear on the terms I received a Fax successful so I knew that it had been received. 
I called today to check status as a rep never called within the 10 days the form and rep said would happen today after seeing a 90 day late payment status on my consumer credit report I called State Farm Bank and was told, The image was distorted so they couldnt accept it. I replied, No one could call or follow up on this matter? Rep did apologize as I am sure it wasnt his direct fault. 
I had assumed since I gave instructions initially on address phone and all pertinent contact info that the RV had been picked up since it wasnt being used and in possession of my ex husband in XXXX. ( I have since relocated to XXXX  ) and no longer communicate with him. I stopped making payments as directed. 
I am frustrated with the lack of communication and honestly believe it is an unfair and unethical business practice. 
I want the negative payment status on my credit report removed as it shouldnt be reflected this way. 
Also, I am contemplating if I should seek legal council on this matter.
Consumer complaint received 2021-12-30
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: Siggi LLC (WA)

I called Omni Financial twice and they did not have any information on the alleged debt but they are still furnishing this on my consumer report. They are unable to provide me with any documents regarding this account for me to validate this debt.
Consumer complaint received 2021-12-30
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. (MI)

This is not a duplicate complaint. There are multiple problems with one account that is being overlooked and mishandled consistently. 

I disputed the Department of Education XXXX account many times for violations of the FCRA to all three credit bureaus over the past year. Each time, The Department of Education XXXX has continued to inaccurately report Balance information to XXXX Equifax and XXXX. 

The Reported Balance is {$7200.00} The Highest Balance Reported is {$5400.00}. Stating I have paid off -35 % of the debt. 

It should be PROPERLY reported as {$7200.00} IF that is my balance. I have been sent MANY different letters of what my real balance is and this company is reporting ANY Amount to my credit report is a violation of my consumer rights. XX/XX/2021 Department of Education XXXX reported an increase in debt of {$1800.00}. 

Each month that I have EVER made a payment, the balance never decreases because the US Department of Education XXXX does NOT know how to properly report information and be a qualified furnisher of information. 

The Entire account Being Reported by The Department of Education XXXX is inaccurate and is affect my personal credit report tremendously.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late ( XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

DECLARED BANKRUPTCY IN XX/XX/2021 AND THE CREDIT REPORT AGENCY ARE SHOWING DELINQUENT AND STILL OWES WHEN TRYING TO GET CREDIT BUILDER CARDS AND REPORTING STUFF INCLUDED IN THE BANKRUPTCY THEY ARE TARGETING ONLY PEOPLE THAT HAVE DONE IT PRO BONO. ATTORNEY HAS HAVE SIMILAR CASES AND TOLD ME TO REPORT. IN XXXX FEDERAL COURTS DISCARDED. THEY HAVE RECEIVED COPIES AND REFUSE TO ADHERE TO FEDERAL GUIDELINES