davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

My complaint is with Equifax. Equifax allowed my financial data to be unlawfully disclosed when they sustained a massive breach, or hack, a couple of years ago. Equifax confirmed my personally identifiable information was made public as a result of this breach and enrolled me in it's Trusted ID credit protection service. In late XXXX I was told I was being assigned to XXXX 's IDNotify credit protection service for a period of one year unless I chose not enroll, in which  event I would have no further credit protection services from Equifax. I was forced to enroll with XXXX prior to XXXX XXXX, XXXX, which I did. However, now that I've enrolled with XXXX, Equifax apparently closed my access to it's reporting system and refuses to reestablish access so I can verify information they are reporting to others currently including my Credit Union. I've gone to considerable lengths and expense to protect my information by obtaining new credit cards and numbers and new banking arrangements, to include new accounts, login credentials, automated payment arrangements etc. I have a very high credit score which has recently been lowered significantly by Equifax as reported to me by my credit union. When I paid off a recent loan early my score went down again. I need access to my Equifax account to monitor actions that make no sense. I'm concerned they are still reporting an outstanding loan that has been repaid in full. They've already acted negligently and were not timely with their disclosure of the breach when it occurred more than 2 years ago. I'm forced to keep my credit files constantly frozen, through no fault of my own. And now they refuse to allow me access? This is not right. I'm doing their job for them. I'm a retired veteran, and deserve better. I need immediate access to my Equifax account.
Consumer complaint received 2019-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I cancelled a newspaper subscription back in XX/XX/2019. Despite my cancellation with the newspaper subscriber, my credit card will still charged on XX/XX/2019. I called the merchant on XX/XX/2019 and they refused to refund my credit card. I called Capital One ( my credit card company ) on XX/XX/2019 and asked for the merchant to be blocked, to which the representative refused to honor my request. She told me that is not a possible thing to do. I spoke with a representative in the Capital One Corporate Office and explained my frustrations. She assured me she will address this and connected me with some " higher raking '' customer service representative. She supposedly blocked the merchant and honored a final credit of the unauthorized amount that was charged to my account. I never initiated a dispute, but apparently Capital One did so on my behalf. In a final resolution letter dated XX/XX/2019, I was specifically told the following : " Your credit will remain on your account, and there's nothing you'll need to do. At this time, we consider your case closed even if we provide you with additional details. '' However, on XX/XX/2019, my credit card account was re-billed for the " disputed '' amount stemming from the XX/XX/2019 merchant block request. I spoke with a customer service manager on XX/XX/2019 and was told that the merchant was never blocked from my account and Capital One decided to re-bill my account based upon a refund from the merchant ( back in XXXX, not related to this dispute, and known at the time of final credit resolution ). At this time, Capital One refuses to honor their final credit.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I disputed my personal information with TransUnion on XXXX. I also followed up with more requests to correct my personal information. The following credit files are not mine and need to be removed immediately. I've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This information is spoiling my credit worthiness. XXXXXXXX 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 XXXXXXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2019-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION (TX)

Around XX/XX/19 I attempted a bank to bank wire transfer from my M & T bank account to my credit union. Via the online process, M & T requested my user name and password for my credit union account , M & T accessed my account and then asked a couple of unique questions regarding my  credit union bank account. I answered the questions and was told everything was successful and I could complete the wire transfer. I then attempted to transfer the funds, but was then denied as I was told one of their fraud detectors were triggered. I've been the same back over 20 years and since M & T took it over via an acquisition. I called M & T to see what triggered the fraud alert, but was told they could tell me anything, nor did they know why it was triggered. The transfer was very important as I was closing on a mortgage and urgently needed closing costs money transferred to my CU. I was told I needed to email my CU statement to lift the wire suspension. I emailed the statement around XXXX but was never notified by M & T that the suspension was lifted. I never completed the transfer. 

On XX/XX/19 I attempted to use XXXX, a service offered on my M & T account to transfer {$250.00} to a relative. After successfully registering and attempting to transfer the funds, M & T denied my transaction, advising I triggered one of their fraud alerts/detectors. Again tremendously inconvenienced and know feeling targeted, I called M & T to determine what happened but was told they could not tell me nor did they know. I advised I felt weird and somewhat discriminated against. Why do I constantly trigger a fraud alert but no one can tell my why or even provide a high-level rationale. 

Similarly to when someone is provided or denied credit a company must advise why, M & T 's current practice will cause additional regulation because banks can't do what's right unless forced to. I understand specifics may not be able to be provided to keep the integrity of the process, but you have to tell long term, honest customers something. The treatment is just wrong, and falls on deaf ears. 

Nevertheless, I was unable to complete the transfer and was not provided a reason, nor timeframe as to when I would be able too. I ended up using XXXX XXXX to complete the transaction ( I also used XXXX XXXX to facilitate the movement of funds from M & T to my Credit Union - back in XX/XX/2019 ). 

I have had NSFs in the past, and have paid all fees. A review of my account history will never show any fraudulent activity.
Consumer complaint received 2019-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Unverified Account Account Name : XXXX XXXX XXXX Type : COLLECTION Date Opened : XX/XX/2018 Balance : {$1000.00} Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2019-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC (IL)

I applied for an online loan on XX/XX/2019 with Americash online payday installment loans.

I also have another pay day installment loan out with XXXX in XXXX XXXX, IL my first payment with Americash was for over XXXX beg on XX/XX/XXXX and the remaining payments were XXXX each bi weekly with the last payment ending in XX/XX/2019 Combined payment from Americash and XXXX are taking me over the IL allowed 22.5 % of gross income set by IL consumer laws. 

I reached out for a repayment and was given a new repayment amount of XXXX for a combined amount of XXXX each bi-weekly, I also have to pay XXXX bi-weekly to XXXX XXXX. 

I am requesting Help for a deceptive practice in violating my consumer rights in having a fair interest rate and repayment schedule not to exceed 22.5 % of my income. 

Americash was aware of my 2nd loan due to XXXX XXXX as they share a network loan database, and they should not have based on IL law granted a loan to a distressed borrower if they are not financially able to make the payments. 
the demand repayment agreement is in violation of IL lending laws I can no longer afford my mortgage or utility bills Americash called my place of employment on XX/XX/2019 I emailed them revoking the wage assignment which is allowed in Illinois Please help me as I am swamped in Payday installment loans
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mar Joe Enterprises (AL)

i have breach alerts & i have filed a idenity thieft report in XXXX county alalbama police departmart! i have looked on my credit alerts this early morning and i see so much stuff that is no way connected to me!
Consumer complaint received 2019-05-13
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. (CA)

Experian and XXXX both lead off the characterization with " seriously delinquent '' when I have never made a late payment, been charged a financial penalty or incurred a cent of interest on a potential interest-earning monthly balance or statement. That is completely true of credit cards and 2/3 rd true of car and home loans. Moreover, a possible smirch on my otherwise pristine record may have arisen from a collection issue with XXXX - a non interest-bearing situation - over timely cancellation charge resolution.Including utility service disputes in credit ratings may be an overreach in some credit activities.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

I opened a {$500000.00} home equity line of credit : approx 15-20 years ago at a low interest rate of approx. 6 % Without notice : someone at Wellsfargo lowered my still {$50000.00} line of credit to available only {$25000.00}. and open several credit cards at a high interest rate of 12-24 % instead.

I've now have been doubling up on the monthly payments, but the balance only goes down temporary, then a few days later, goes back up. Would like a thorough explanation and written formula of how each interest rate is calculated for each account.

I would like a completed transcript of all transactions of all of my account ( s ) from day one : 1 home equity line, and 5 high interest credit cards that were opened and just appeared online and available.

Solutions : a. re-activate my {$50000.00} line of credit. payoff those high interest credits, at 6 %. b. have someone enroll me in Wellsfargo 's federal hardship program for the high interest credit cards ( no one helps when I called Wellsfargo online number : XXXX ) c. refund the difference between the high interest cards and 6 % ( to pay down the credit cards )
Consumer complaint received 2019-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

1. Wells Fargo continues to act in bad faith by charging me in the Payoff Statement their duplicated negligent payment of {$720.00} Hazard Insurance ( HI ) to XXXX. I'm already paying this XXXX HI amount directly to them. 

Can you enforce Wells Fargo to remove this {$720.00} amount and adjust my payoff amount? 

2. The Payoff Statement charges {$190.00} for recording fees but XXXX XXXX County Registrar charges {$15.00}, for decades, including 2019! Nearly all banks charge between $ XXXX- {$20.00} bucks. 

Can you ask WF to to charge the typical fee charged by most banks? They are gouging me! 

3. Can this be resolved by XX/XX/XXXX as this is the last day to payoff my house?? 

thank you CFPB!
Consumer complaint received 2019-05-12
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. (VA)

A USPS certified receipt mail letter was sent to Equifax and delivered on Monday, XX/XX/2019 requesting removal of non account holding inquiries from my credit file being that consent ( verbal or otherwise ) was not given or applied to these unrecognizable third parties fro any form of credit or services. On Saturday, XX/XX/2019, I received a reply via USPS mail from Equifax with report confirmation # XXXX stating, A third party may access your Equifax file to assist in underwriting of your request for credit ; if you apply for certain services ; or indicate that you are applying for credit. I neither gave my consent verbally, in writing, or indicated with said companies nor have I applied for any services or credit with said companies with whom these inquiries are listed. They are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. Equifax provided these companies with my credit profile fraudulently, and refuses to remove these inquiries from my credit report. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report, including inquiries. Equifax has given my credit report to these third parties listed above and continues to knowingly report incorrect inquiry information masked under consumer consent.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SD)

Experian had my permanent address listed in various formats as well as different spellings of my name. Probably to facilitate fraud with illegal immigrants as they were very adamant about not making a correction on the report that should have just required me uploading my id to show the true spelling of my name and correct formatting and unit number for my address. 

Experian has readded the address without a unit number. I feel this is to facilitate fraud so they can get Federal Grant money to increase their security controls and some side money by helping illegal immigrants facilitate fraud and obtain services that legal US Citizens can barely obtain even though they work and pay taxes. 

I want incorrect and fraudulent information permanently removed from my report and not readded. 

Additionally the whole credit reporting system is a violation of UN Declaration of Human Rights Article 12. 

Please have them remove this incorrect information. I never applied for credit with this address nor have I used the address without a unit number.
Consumer complaint received 2019-05-12
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. (MO)

The following accounts are not mines and I'm demanding that they be removed or it is your duty to provide me with physical documentation as oppose to the accounts being electronically verified. As a general rule of law electronic Verification can not be accepted as proof. In accordance with Section 611 and the FCRA I'm requesting the following accounts to be removed immediately from my credit file. 
1 ) XXXX {$72.00} 2 ) XXXX  {$71.00} 3 ) XXXX XXXX {$130.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX  XXXX {$680.00} 6 ) XXXX  XXXX XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX {$350.00} 9 ) XXXX XXXX XXXX {$5700.00} 10 ) US Dept Of Education {$3800.00}
Consumer complaint received 2019-08-23
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: First Associates Loan Servicing LLC (TX)

School closed victim of predatory lending disputes through XXXX XXXX, student cu connect has discharged my loans but refused to erase credit lines on credit report.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: A-L FINANCIAL CORP (CA)

A-L Financial Corp keep re-aging the Charged Off date as well as change my positive payment history, in which, is illegal. I received a Charged Off XX/XX/XXXX with the explanation that Consumer ( I ) is not able to be located ( I still live in the same location and A-L Financial Corp was aware of this ). I contacted A-L Financial Corp to informed them of their inaccuracies and to go to court if needed. I also contacted XXXX Bureau to correct the inaccuracies. The account is closed but I received another Charged Off from A-L Financial Corp in XXXX for the same closed account. I had two charged off for the same account. A-L Financial served me to go to court. I went to each court appearance to correct all matters so I can pay the remaining balance on the closed account as well as A-L Financial Corp needed to remove the double Charged Off from my closed account and correct the inaccuracies. 

Although my A-L Financial Corp account been closed with the original Charged Off date of XX/XX/XXXX, I paid my closed account in full. I received a stamped certificate from the court that the XX/XX/XXXX XXXX XXXX closed account is paid in full as well as my title for my vehicle. Yet, A-L Financial reported to the XXXX Bureau to place a Charged Off on my credit report on XX/XX/XXXX and deleted the XX/XX/XXXX original Charged Off. 

Preventing a debt from disappearing is illegal and result in a defamation of character. Re-aging a debt for this reason is a FCRA violation. Violations of this provision may result in civil penalties of {$2500.00} per violation. 

I still keep my credit reports. The terminology of the credit reports shows abbreviation for Charged off is ( CO ) and Collections ( C ).
Consumer complaint received 2019-05-13
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: Phoenix Financial Services LLC (LA)

This company has purchased a debt that has been sold 4 times. The original creditor says they have no record of this medical debt. Ive never lived wherever this medical practice is and they have no signatures, licenses, ids or anything showing me being there. I've threaten lawsuits before and always have had the debt removed thru investigations of credit bureuas. This creditor refuses to provide me with anything proving this debt belongs to me. I have sent to letter asking for validation with no timely response. If they have no proof they legally can not continue reporting something false. 
Tracking of validation letters. 
XXXX XXXX Has not marked disputed.
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC (CA)

GreenSky LLC. and XXXX XXXX XXXX  of XXXX, IL. 

GreenSky at XXXX  XXXX, XXXX, GA XXXX at the time of my application of the loan clearly states in the flyer and on the phone that this loan is no interest loan for one year. This loan is in conjunction with XXXX XXXX college counseling. 
However, when the first bill came, i was charged {$240.00} interests in and {$440.00} interests in the second bill. They even sent me a letter in attempt to collect the interests. 

It is an intentional misrepresentation of the contract and an attempt to illegally change the terms of the contract. This kind of consumer lending is NOT Acceptable. 

My account number is : XXXX XXXX XXXX XXXX. I will attach the flyer and the statement and the collection letter.
Consumer complaint received 2019-08-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

My husband called loan depot about a month ago to refinance our current va loan with them and we were told that it would be possible in a month and that we would get free refi through their company for the life of the loan. We recently called back to hopefully start the process and were told they no longer service manufactured homes and that they would not be doing a refi for us. They are rude, condescending, and hung up on my husband during one of the many phone calls to try to resolve this issue. We were never alerted to this as I feel we should have been.
Consumer complaint received 2019-05-12
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. (AL)

XXXX filed a response to my last dispute stating they have removed a bankruptcy from my credit report. Their response also indicates that it was removed due to exceeding the timeframe for verification. They are refusing to admit that the public information was never verified. I have proof of the continual lies. The bankruptcy is still showing on my credit report even after XXXX claimed they removed it. The response from XXXX states that bankruptcy is verified with the Pacer system. MORE LIES AND I HAVE PROOF!!! There is no bankruptcy listed under my name in the Pacer system. This bankruptcy should be removed immediately