davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cottonwood Financial Ltd. (TX)

I had obtained a payday loan and had problems getting it paid back. I hired the services of a company to help me resolve the debt which they are still working on. Today, XX/XX/21, there were numerous calls made to my employer from what was referred to as a company called XXXX. They first spoke with my immediate supervisor and then called again to speak to my general manager. They had called and left a voice mail on my work phone as well saying that they were trying to serve me papers but they would not identify what type of papers. After trying to call them several times without an answer I finally reached a man named XXXX who told me that the account had {$1000.00} owed on it and I was being sued for it. He identified me by an address I no longer live at and I did not enlighten him that I did not live there any longer. If he had my address then his story about being unable to find me to serve me papers did not make sense. When I told him that his story did not make sense because I had hired an agency to help me and I was under contract with them and would not break that contract to do what he was wanting and set up payments to him, he told me that it was ok and that they would go ahead and file the paperwork to have me arrested and prosecuted. I told him to do whatever he thought he had to do and I would as well. Thus I am filing this complaint. I know it is against the law for my employer to be contacted and this is not the first time I have gotten scam calls recently. This call was made from the number XXXX. I hope you can help me with this. 

XXXX XXXX
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive never had any accounts with Bank of America and I was told by Bank of America employee they cant open abs count for me because of my pervious relationship with the bank and that theyve added me to their hot file which means Ill never be able to open accounts with me. I explained the banker and his manager that I was a victim of identity theft provided them with police report and all The necessary documents but they kept telling me they cant do anything, further I called the Bank of America fraud team to tell them the same thing but nothing was done. Ive never had accounts with Bank of America and whatever records they have for me is wrong and fraudulent I need Bank of America to fix everything and remove me from their hot file.
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-16
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. (AR)

Back in XXXX my credit score with Equifax was XXXX, in XXXX it decreased by XXXX to XXXX, in XXXX it increased by XXXX pts to XXXX, in XXXX it decreased by XXXX pts to XXXX give or take. When I called Equifax, the Equifax representative could not explain what happened. There is no reason for my credit score to decrease like this. According to a source that I use, it showed me that the reason for my Equifax credit score decrease was because of my XXXX/XXXX  Account Number XXXX, it showed that the date reported in XXXX was XXXX and in XXXX it was XXXX. The other Account is XXXX, Account XXXX XXXX, the date reported in XXXX was XXXX, the date reported in XXXX was XXXX. 

I noticed that these accounts were put in a bankruptcy back in XX/XX/XXXXalone with some other accounts and I believe that these accounts may be getting re-aged by the different dates I noticed Equifax are putting in them, I disputed these accounts, because they are not showing accurate information concerning dates and balances even though it was filed in a bankruptcy, but this should not cause my credit score to go down. I did the same thing with XXXX  and my credit score has only gone up. 
I have disputed the inaccuracies with these accounts that were put in bankruptcy more than once and it is still showing inaccurate and incomplete information. The same amount my credit score has decreased with Equifax, it should have increased by the same amount, my credit score should be in the XXXX at this point, I have not been late on paying any of my bills, my revolving accounts are paid on time and they have been paid down some more, my installment accounts have consistently been paid on time and more. 

Documentation of proof can be provided upon request if needed.
Consumer complaint received 2022-06-21
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. (OH)

I have a collections account on my file that I have never done business with from XXXX XXXX XXXX XXXX XXXX I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent I have never taken out an online loan or Payday type of loan.
Consumer complaint received 2021-06-16
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. (FL)

The inability to collect real time information by all of the three major credit bureaus and their farming that incorrect information to multiple third party credit reporting organizations creates adverse action severely holding us hostage. Their lack of real time gathering was highlighted in the last complaint you did nothing about. As example report XXXX issued by XXXX XXXX XX/XX/2012 still incorrect and they- even while acknowledging and promising to correct our negative information did nothing. Telephone numbers as the data outdated and not in service, one could go down the list but why bother? Then they have the gall to advise it will take months to update while one languishes. To repeat for these who have trouble comprehending- Yesterdays complaint further proof of the inaccuracy of reporting and their distribution of such to third party entities who provide that outdated and incorrect information continues to hold us financially hostage and unable to do anything where finances are involved. Opinion- for one to actually think you or they would do anything to improve integrity naive. Of course this is NEW and yes pass it becuase frankly you do nothing about the multiple earlier complaints!
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

experian reports a fios of XXXX XXXX reports XXXX XXXX reports XXXX All show 17 % credit use All show same balance used credit. 
I have written experian several times no reply.
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I refinanced my Mortgage that was held by XXXX on XX/XX/2021. I was told by the company that I was refinancing with, I would receive the funds from my Escrow account with Loancare within 15 days. I received a check from Loancare dated XX/XX/2021 on XX/XX/2021. The check arrived in a plain envelope, taped close, and the check was mutilated. I called Loancare, and explained how the check arrived to me. I spoke to XXXX, she said she would send a note to disbursements to have another check mailed. On XX/XX/XXXX, I called back into Loancare, and asked to speak to a supervisor. The call was then transferred to someone identifying herself as a supervisor. I explained yet again what had happened, and that I was supposed to have already received another replacement check. She said that Loancare had 30 days to send me another check. I told her that was unacceptable, and asked to speak to her supervisor. Another lady answered the call, she identified herself as XXXXTeam Lead. She apologized, and said another check would be issued to me in 48 hours. I offered to XXXX the check back to Loancare if that would help. She said it was not necessary. Today is XX/XX/XXXX, and I have still not received the proceeds from my Escrow account with Loancare. I need help. They have my money, and I do not have the benefit of it. {$3000.00}.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

A review of XXXX XXXX Experian reporting of Account shows copious payments made on time not being reported. Borrower has made several requests for XXXX to correct CRAs reporting in XXXX. 

XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was wrongfully interfered with by XXXX on multiple occasions by order of a XXXX employee. 

XX/XX/XXXX was wrongfully interfered with by XXXX on multiple occasions by order of a XXXX employee. 

XX/XX/XXXX was wrongfully interfered with by XXXX on multiple occasions by order of a XXXX employee. 

XX/XX/XXXX was wrongfully interfered with by XXXX on multiple occasions by order of a XXXX employee. 

In XX/XX/XXXX no payment was made. 

In XX/XX/XXXX no payment was made. Request for loan modification made. XXXX wrongfully interfered by manipulating Account. 

In XX/XX/XXXX no payment was made. XXXX wrongfully interfered by manipulating Account. 

In XX/XX/XXXX no payment was made. Request for loan modification made. Loan modification granted. Began pre-loan modification agreement. 

In XX/XX/XXXX, Borrower made the first payment on XX/XX/XXXX, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the second payment on XX/XX/XXXX, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the third payment on time, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the fourth payment on time, in agreement with the loan modification agreement. XXXX sent Borrower loan modification agreement without the agreed-upon deferred principal balance. 

In XX/XX/XXXX, Borrower made the fifth payment on time, in agreement with the loan modification agreement. XXXX attributed XX/XX/XXXX through XX/XX/XXXX payments to Account on XX/XX/XXXX. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the next payment on time, in agreement with the loan modification agreement. XXXX attributed XX/XX/XXXX payment to Account on XX/XX/XXXX. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the next payment on time, in agreement with the loan modification agreement. XXXX attributed XX/XX/XXXX payment to Account on XX/XX/XXXX. XXXX sent Borrower the correct loan modification agreement. 

In XX/XX/XXXX, Borrower made the payment on XX/XX/XXXX. XXXX CRA reporting shows No Data Reported.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The inability to collect real time information by all of the three major credit bureaus and their farming that incorrect information to multiple third party credit reporting organizations creates adverse action severely holding us XXXX. Their lack of real time gathering was highlighted in the last complaint you did nothing about. As example report XXXX issued by Trans Union XX/XX/2012 still incorrect and they- even while acknowledging and promising to correct our negative information did nothing. Telephone numbers as the data outdated and not in service, one could go down the list but why bother? Then they have the gall to advise it will take months to update while one languishes. To repeat for these who have trouble comprehending- Yesterdays complaint further proof of the inaccuracy of reporting and their distribution of such to third party entities who provide that outdated and incorrect information continues to hold us financially XXXX and unable to do anything where finances are involved. Opinion- for one to actually think you or they would do anything to improve integrity naive. Of course this is NEW and yes pass it becuase frankly you do nothing about the multiple earlier complaints!
Consumer complaint received 2022-06-21
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: HCFS Healthcare Financial Services of TeamHealth (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CT)

Hi, this is the second time I am getting charged interest incorrectly. I fully paid every promotional balance due and am still getting charged interest. I need the credit card company to remove this from my account immediately. Thank you
Consumer complaint received 2021-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

In XX/XX/2017 I purchased a XXXX XXXX motorcycle from XXXX XXXX on XXXX XXXX in XXXX XXXX Nevada. I traded in my old bike for an amount of {$3700.00} which was applied to my new loan and a 72 month term with a monthly payment of {$290.00} which I've agreed. I asked for a copy of the contract but was told it would have been mailed to me after the first payment. The contract never came. Last month I requested a payoff amount where Ive learned from XXXX XXXX XXXX XXXX that my loan is over half a decade from being paid off. Someone from they dealership added or changed the length of loan term from 6 years to 10 years and the bank has the motorcycle listed as an RV in their system. Ive tried filing complaints with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX but I am unsuccessful in getting any type of actions or results. I never seen the actual contract at the dealership but liabilities and my trade Ive signed. After 4 years I was emailed a copy of the contract with a signature agreeing to a 10 year contract which I promise I didn't sign and was never aware of until recently. I am asking for help in this deceptive trade practice from XXXX XXXX sales associates and have them cover the balance for the additional 4 years of payments they have secretly attached to my loan. This is the second time in 2 years Ive had a dealership associate alter documents to sell a car which I have recently just gotten off my credit after a lengthy investigation.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In according with the fair credit act. The account below has violated my federally protected consumer rights to privacy and confidentially under U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX. Also Has violated my rights to privacy 15 U.S.C. 1681 section 602 A. U.S.C. 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written consent. 


Also wrong personal information ( address ) is on my report due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-21
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. (NY)

In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX XXXX XXXX Account numberXXXX. 
XXXX XXXX  Account number XXXX. XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX ( reporting to experian ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions and was not authoized by me. 
. I am requesting that these accounts be removed from my reports.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (TX)

I went in to pay my credit card bill on XX/XX/XXXX. My payment day is on the XXXX of every month. I called to wave the late fee of {$37.00}. Looking through my account with a credit limit of {$500.00} I noticed that I was charged a total of {$170.00} in late fees and interest fees and a {$10.00} fee every month which would make this card {$120.00} to use for the year plus an annual fee of {$99.00}. So {$290.00} to run a credit card with {$500.00} credit limit. I called in to waive the late fee only to be told I missed last months payment which is untrue. I logged in and made XX/XX/XXXX 's payment but this was not updated to my account. Upon calling on XX/XX/XXXX I was told the late fee could be waived. I want my late payment erased from my credit along with {$60.00} in fees refunded to this account so I can pay the balance and close this account. This company is a fraud and preys on people who take on their card. This late fee update has cost my credit 68 point drop! I need this fraudulent company put on notice and this updated. 

I also have plenty of instances where I pay and I do not get an email stating a paid nor any proof of payment. Currently this company is reporting to credit agencies that my monthly payment is {$77.00} and credit limit was {$760.00}. This is untrue and I need all of this updated ASAP.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections (UT)

Bonneville Collections is reporting a debt on my credit file that I do not owe. I took a look at my credit recently and noticed this debt, I immediatley called and settled this debt with them. Once I had settled it I had requested this debt be removed and I was told to put in a written request which I did but I never heard back. I am aware that Bonneville can report to the bureaus as they deem necessary and I ask they remove this debt. This has been settled and paid and now ask they remove this. If not removed, I will have no alternative than to exercise whatever rights and remedies I have under the law to enforce the removal of this debt, not limited to legal proceeding against Bonneville.
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

1. Portfolio Recovery will not give me a record of my payment history with the balances. I am beginning to become suspicious about how much they have taken out and I requested a payment history with balances and instead got a letter with only the dates and the monthly amount taken out and the current balance but no balance history.

2. When I call, I am told " that is the way the letter is, '' as if they can't simply just print out a transaction history with balances.

3. I was also told, " I mean, I could SEE if there is a way we can pull up your balances. '' As if I don't know that their business depends upon keeping track of client balances. Their responses are becoming very shady.

4. I was told I would be able to access my balance history on the Portfolio Recovery website. I got off the phone and logged in to discover this was a lie.

5. I called back again and after a second offer for the representative to out me on hold while they speak with their manager, I was only offered for another of the same useless letter to be sent out.

6. I agreed to {$10.00} per month but after two months, they started taking out {$10.00} and have done so since then.