davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-10
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. (GA)

On   XXXX   XXXX   XXXX   I discovered a Chapter  XXXX  Bankruptcy had been re-inserted into my credit file by Equifax. This item was previously deleted on or around   XXXX   XXXX  . The credit bureaus are required to notify me withi n five ( 5 )  days of re-inserting a previously deleted item. I did not receive any such notification. Upon speaking with an Equifax representative name  XXXX  today, she stated it was reinserted from a notification they received from  XXXX . This makes perfect sense because I recently file a complaint about  XXXX  on   XXXX  . She also stated that the item is in dispute based on the information that   XXXX   sent to them. This is very concerning to me, for one how can they report something based on  XXXX  & furthermore, put it in dispute based off that same notification? I never gave   XXXX    permission nor authorization to share or furnish my information with anyone especially another bureau. Both Equifax  &    XXXX    have violated the FCRA & upon checking their website to view my report, it states this information was furnished by   XXXX   XXXX   ( a third party ), which is also illegal according to the FCRA. I 'm including the most recent report from Equifax dated   XXXX   XXXX   XXXX   in which you will see that this Bankruptcy was not reporting on my file & has not been for over 2 years. My ask would be that Equifax please delete this item immediately &  XXXX  refrain from sharing any of my information with other bureaus..
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms XXXX XXXX XXXX {$0.00} {$5000.00} Payment Info Status Paid, was a charge-off Updated on XX/XX/XXXX Past due amount - Highest balance - Monthly payment - You've made 88 % of your payments on time for this account. 

Account is still reporting as an open account under the three agencies.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SVI Group Inc. (CA)

I have a refinance application through SVI Group inc, XXXX XXXX ( the company ), XXXX # XXXX, XXXX # XXXX. XXXX XXXX works on my loan process, all communication with XXXX XXXX XXXX to company 's email account, ower of the company, XXXX XXXX XXXX XXXX XXXX XXXX can review. 
On XXXX XXXX, XXXX, XXXX XXXX offered 3.625 % 30 years fixed, no cost no fee on my investemnt property, total loan amount {$340000.00}. I agreed and let the company work on my loan. 
on XXXX XXXX, XXXX, I signed all docs ( including tax transcript request form XXXX ) and sent back to company On XXXX XXXX, XXXX, the company locked the rate at 3.625 % for my loan. 
On XXXX XXXX, XXXX, the company ordered tax transcript to IRS. 
On XXXX XXXX, XXXX, I felt the loan process was dealyed and sent email to ask the progress, XXXX XXXX replied it only has XXXX condition ( not mentioned what condition ) and the loan will be closed by the end of that week. Later on same day XXXX XXXX ), XXXX XXXX sent me email say tax transcript was rejected, and I needed to prepare by myself ( not mentioned how many transcripts ). 
On XXXX XXXX, XXXX, I prepared XXXX tax transcipt, sent to the company, no reply on that day. 
On XXXX XXXX, XXXX, at XXXX, XXXX XXXX XXXX more transcript, I prepared XXXX, XXXX transcript, and sent to them at XXXX. At XXXX, XXXX XXXX said they would upload to lender ASAP. 
On XXXX XXXX, XXXX, I sent emali to ask how to process my loan since the lock was going to expired. XXXX XXXX said if the lender cleared to close before the lock expired XXXX XXXX/XXXX/XXXX XXXX, they would extend my loan, otherwise they would relock. 
On XXXX XXXX, XXXX, Friday at XXXX, I sent email to ask the company extend my rate, XXXX XXXX replied at XXXX, said the loan was not clear to close, and the rate had gottern better, they would continue monitor for relock at 3.625 % for me. 
On XXXX XXXX, XXXX ( Sunday ), rate expired. 
On XXXX XXXX, XXXX, at XXXX, XXXX XXXX sent me email said the loan was clear to close, but the rate was deteriorated and gave me the updated market ( 3.75 % ), I could n't agree to higher rate than 3.625 % as they offered. 
First, the company offered 3.625 %, then they got the job to work on my loan, they should close loan at 3.625 %. 
Second, the company delayed to order transcipt to IRS ( I sent all document on XXXX XXXX, XXXX ), they ordered on XXXX XXXX. It 's 20 days ' delay. 
Third, the company should let me prepare tax transcipt earlier, not as they did at XXXX on XXXX XXXX, only 7days left until the rated would expire. 
Fourth, the company 's delay caused my loan delayed, they should take responsibility to extend my rate, but they did n't, and told me the rate had gotten better and would relock at 3.625 %. But they never relock at 3.625 % since then. Now the rate goes up to 4.5 %, I lose at least XXXX points ( XXXX XXXX % = XXXX ) and appraisal fee ( {$520.00} ). I want the SVI Group inc, XXXX XXXX to cover my loss.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My checking account - Bank of America # XXXX was closed back in XX/XX/XXXX. The ATM debit card ending in XXXX was the associated debit card to this checking account. 

On XX/XX/XXXX, XXXX XXXX issued a refund on a cancelled flight in the amount of {$370.00} and I was advised to contact Bank of America. I contacted Bank of America and they said they had " no where to post the money '', so they issued a refund back to XXXX XXXX and that I would have to contact them. I contacted XXXX XXXX and they said they have never received any refunds back from Bank of America. 

XXXX XXXX gave me XXXX XXXX XXXXXXXX ( I do not know what this number is for ) Last Dept I spoke with was Bank of America # XXXX Dept- Recovery Bank of America has my money and has done nothing to cooperate in investigating the issue of my refund
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2016-04-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (CA)

Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Funding LLC. To date, Midland has a poor track record in regards to its collection tactics, which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to XXXX dollars in fines and penalties due to their unlawful business procedures, which violate the consumer 's rights. Their illegal actions have caused XXXX consumer 's credit files to be tainted with negative a remark, which includes myself. Please remove Midland Funding LLC from my file ; you can also see that I am apart of a class action lawsuit against Midland Funding LLC and Midland Credit Management. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AZ)

I have student loans serviced by Navient, Account number XXXX. I have just started paying my loans because I have been underemployed and a single mom and not able to pay. During the time I was unable to pay, I requested a forbearance which was approved. However, my $ XXXX loan has XXXX of capitalized interest now. This seems excessive and now my principal balance is $ XXXX. I feel like I will never be able to be out of this debt.
Consumer complaint received 2017-05-09
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: EQUIFAX, INC. (OH)

On all  XXXX  credit reports, ( and this is the second time this has happened to me ), I am car shopping and they are only supposed to run it through a maximu  m of   XXXX   companies and it continues to be ran through multiple agencies until I have a tremendous amount of inquires for several different financial institutions.   XXXX   XXXX   this time and there was a great deal through  XXXX  last time that were never removed. Do n't they have to have permission to send it through that many people?? I did not authorize it and it is ruining the credit I was trying to build. Please let me know.   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   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   C  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   there should be a max of  XXXX  on there. I allowed  XXXX  from   XXXX  ,  XXXX  from   XXXX   XXXX   and then I ended up buying a car from   XXXX   XXXX  . How do I fix this???
Consumer complaint received 2016-12-03
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

PayPal ( XXXX ) XXXX. is in breach of their own policy. My account has been limited for 180 days on XX/XX/2016. 180 days have passed and PayPal is still not allowing me to withdraw my money. They have requested Proof of Address, I have provided it, yet they are still delaying the release of funds. They said that my documents have been approved in their system, but that I ( still ) have to wait for someone from the Compliance Team to check them. I called them numerous times and every single time their reps tell me different things. I have no idea who to trust anymore. I do not want to wait any longer, 180 days are off, I need my money!
Consumer complaint received 2017-03-30
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (NC)

Trans world Systems Inc call nonstop from numerous different numbers several times a day, both robot calls and human callers. They never leave a message, when spoken with they refuse to give any info just want me to pay them I do n't know if I even owe as they refuse to send any info to validate. They threaten legal action w the courts, wage garnishment and use bullying tactics to get me to give my personal SS & DOB but refuse to give me any proof I owe any money.
Consumer complaint received 2017-05-06
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: Experian Information Solutions Inc. (GA)

In  XXXX  we received a letter for  XXXX  stating that we had applied for an  XXXX   XXXX   XXXX  card. We had not. We called  XXXX  and they blamed us by stating that we 'clicked a button ' at    XXXX    that  initiated the request. They told us that they would close the request.     Last week we received another letter from  XXXX  that has exactly the same information. Today I pulled my credit report and am shocked to see that  XXXX  has continually been running credit inquiries. These inquiries have brought m y credit score  down.     The inquiries from  XXXX , which I did not initiate, were on these dates :  XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with  XXXX  and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a  XXXX  Credit Card from  XXXX . Thus this is a repeated fraudulent request. Can you assist with resolving this so that my   Credit History is fixed and does n't continue to drop?
Thank y  ou.
Consumer complaint received 2017-05-05
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. (FL)

To Whom it  May C oncern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX    XXXX   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   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   All B anks  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX  General Clothing Stores   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   TBA Stores ,  Tire Dealers    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg.  Agencies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg. Agencies    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX   SOC SE C  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

There is wrong information on my report :  XXXX   XXXX  > I have never paid late this account, insurance paid late   XXXX   XXXX    XXXX   XXXX  > I have never paid late this account, insurance paid late
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I refinanced my  XXXX   XXXX   XXXX   XXXX  was financed with  XXXX   XXXX   XXXX  in  XXXX  In  XX/XX/XXXX  , I fell on some hardship after making  XXXX  current/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in between jobs.I made a payment in  XX/XX/XXXX .That was n't updated to the Credit Bureaus that   XXXX   XXXX   XXXX  . reports to.One of the criteria for   XXXX   XXXX   XXXX  .agreeing to refinance my payment agreement.I had to make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account   XXXX  ..  XXXX   XXXX   XXXX  .is reporting my account as a 120 days past due in   XXXX   XXXX  .When I made a payment in  XXXX  as instructed by   XXXX   XXXX   XXXX  .which took my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the CRA  manual  in which the current status is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the    XXXX   XXXX   XXXX   XXXX   has a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) t o update any prior reporting so as to maintain its accuracy. Their prior current status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus :  XXXX , and Equifax.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

This is my 2nd attempt to get this rectified with your organization in regards to these   XXXX   accounts reporting on my credit file. I am making complaints against  XXXX , Experian and "   XXXX   XXXX   '' for reporting an unverified debt. I have no idea why these   XXXX   accounts are on my credit file and where they originated from. I  continue to receive auto-responses that this has been " verified '' and at no time have I ever received any agreement or contract with my signature on it verifying that I ever agreed to pay or owe this debt! What this means is that anyone can state that any consumer owes them money and it 's taken at face value with no consequence or proof! This means that I can send a collection agency a claim that whoever is reading this owes me {$2000.00} and the bureaus will believe it when that company says that it has been verified and that 's the end of the story. It does n't work like that. Congress states that the only legal proof is firsthand knowledge which means having the actual documentation in their hands. If that were true, there would n't be such as issue in regards to validating this. In addition, I 've had to dispute with this company at   XXXX     separate addresses because the address listed on my credit file is not valid and was returned. I have only received  XXXX  letter from   XXXX   XXXX   and it was from a different address than what is listed on the report. Therefore, I disputed with them at that address via certified mail ( each time ) and at no time have I ever received any other correspondence. Because they are not replying to me at all, this means that I am right and do not in fact owe any money to them. If I did, they would immediately send me the proof of this and back it up! The bureaus have disregarded my request for method of verification, procedures used to verify this debt and have willfully told me that this has not been disputed for the past 3 months even though I have faxed it to them as well as sent in the mail. I can also see on experian.com and   XXXX   that the status of this account continues to change from in dispute to not, so I do know that my disputes are being received.
Consumer complaint received 2022-01-05
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: Experian Information Solutions Inc. (CA)

The reason for this dispute is because Experian took more than 30 days to respond to my dispute on XXXX XXXX XXXX account and according to FCRA it must be removed. Attach to this dispute I am providing you with : - The letter I sent them on XX/XX/2021 - Return Receipt via USPS verifying they got my letter on XX/XX/2021 - Copy of my ID and Social Security to prove my identity. - Dispute Result letter I received from Experian on XX/XX/2021 given me results of another account that wasnt even on dispute totally ignoring the account on dispute
Consumer complaint received 2016-07-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (NC)

In XXXX XXXX we secured an RV loan on a XXXX new Bounder motorhome of {$56000.00} thru US Bank. At the time we specifically told the agent we would pay off the loan within the next 12 months and he said no problem and no penalty. Now here in XXXX XXXX we get the amount to pay off and they are going to charge {$200.00} early payoff penalty, totally the opposite of what their agent told us!!!
Consumer complaint received 2017-05-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rodenburg LLP (SD)

WE (  XXXX   XXXX  AND  XXXX   XXXX   )  had come to a agreed settlement regarding my wife 's credit card that charged off 3 years ago. I held up our part of the agreement in which I sent back the original paper work mailed to us that my wife had to sign and sent back to rodenburg law firm certified mail next day. them once I had confirmation that they received the letter, I went to there web site and made {$2000.00} payment through our joint checking account. then after it cleared in  24  hours, I started calling them  XXXX  asking when they were going to file there paper work with the clerk of courts here in   XXXX   XXXX   stating the matter had been settled. each time I got the run around and was told " another department handles that ''. finally I called the morning of  XXXX , the day this matter was set for trial at  XXXX . Spoke to a rep named  XXXX  explained to him I just spoke to   XXXX   XXXX   courts and they have yet to receive there paper work that " you were spose to file with the   XXXX   XXXX   courts ''.  XXXX  tried telling me that the " other dept handles that " I then asked to speak with a supervisor,  XXXX  tried to transfer me to a supervisor who he said " wont be in the office till tomarrow ''. I asked several times to speak with someone in charge today, right now. he refused, and kept trying to send me to the supervisors phone who was not in the office today. finally  XXXX  hund up on me.
Consumer complaint received 2022-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation (GA)

I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND THE CONSUMER. I have sent a correspondence in response to an email I received from World Finance on XX/XX/XXXX. Within that email they informed me that I owed an " alleged '' debt. This is not so. Pursuant 15 USC 1692c ( a ), a debt collector may not communicate with a consumer in connection with the collection of any debt which World Finance clearly stated in the email they sent me and only the original creditor can validate an " alleged '' debt. Pursuant 15 USC 1692, World Finance is fully aware of the laws that fall under the Fair Debt Collection Practices Act, but fail to comply with the consumer laws by reporting this alleged debt. World Finance has received my correspondence on XX/XX/XXXX.