davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (GA)

On XX/XX/2021 I called to try and get in contact to speak with someone from world finance to see what payment plan I could do or see what they could do about it but no one picked up the phone or returned my phone call. I would like for them to remove the negative reports off my credit because Im not able to get an apartment in my name because of it.
Consumer complaint received 2021-02-09
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. (GA)

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. There were several accounts that were excluded on the bankruptcy, but were filed to be dismissed. 

Today, I logged into XXXX  to verify the information that was correct and incorrect. 

I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.
Consumer complaint received 2022-10-25
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN HONDA FINANCE CORP (IL)

Re : XXXX I currently have a car loan with Honda Financial that is currently due on the XXXX of every month. If I go one day beyond the due date they will call my house from 20 to 50 times a week. I have even made a promise when they can expect to get the payment and the automated still continues to call me. 

I have asked the representative to not contact me at phone at all. I have asked to only be contacted by mail several times and they continue to call me. Today again the rep told me she would remove me from automatic calls but I will continue to get calls. 

I do not want any calls from this company to my cell phone, home phone or my kids phones. I will continue to make my payment until the car is paid. But they need to respect my request. 


XXXX XXXX
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

Nordstrom responded to XXXX  that the data information is accurate and it's not. I paid and settlers this account in XXXX of 2021, and Nordstrom is reporting a balance of {$2000.00}. I was advised by XXXX XXXX that if I settled this account it would be deleted and reported to Nordstrom as paid. I contacted Nordstrom XX/XX/XXXX 2021they said it also showed a {$0.00} balance on there account but yet they reported today that the information was correct. I am closing on my home and I need this account updated immediately because this information is inaccurately showing on my credit report.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a checking account and credit line with Bank of America. I was struggling financially and applied to multiple jobs. On XX/XX/XXXXXXXX XXXX XXXXXXXX  a person reached out via email and claimed to be an employer searching for a personal assistant. They described the position and said theyd send me a check and send further information on what their company does and distribution of funds to their clients. 

Once I received the check and attempted to deposit it on XX/XX/XXXXXXXX XXXX XXXXXXXX, I requested further information from this person. I hadnt gotten a response about information on the company and how I would be filing taxes on these funds. 

They responded saying theyd send me another check without any other information, I declined. My account was closed and I tried explaining everything to the bank. Im submitting this claim in hopes that I can recover my name and reputation to Bank of America and other branches that I do choose to try and open an account with, along with submitting a claim with XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-02-09
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. (WA)

I am writing this statement to expunge the following information off of my profile. The items that I need expunged are already listed in the report. I'm a victim of identity theft and did not make these charges. I'm asking that these items be expunged so that my credit report can be up-to-date and correct. I've already reported to the Federal Trade Commission and printed out copies of my affidavit I would really appreciate it if these items get deleted expeditiously. This issue has been taking a toll on my health and the health of my son. I'm trying to purchase a vehicle so my XXXX  son doesn't have to worry about catching XXXX. He also has a XXXX  XXXX XXXX which he has to carry with him at all times this is very overwhelming for a single mother of XXXX and all I ask is that I can be assisted in any way to help my situation.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

America first credit union is showing incorrect information on my credit report, It is showing a late payment for XX/XX/XXXX. The balance has been at XXXX since XX/XX/XXXX. I paid the full amount due of {$150.00} on XX/XX/XXXX.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (WI)

BMO Harris Advertised that if you open a Business Account and maintain a balance of {$10000.00} dollars for 90 days they would pay you a promotional fee of {$500.00} dollars. The Bank is now trying to renege on that Ad by saying they will look at it in XX/XX/2023 which is well beyond the 90 days advertised. To me this is Misleading and Deceptive. Here is the Ad : Open any BMO business checking account, have at least 10 electronic transactions post to the account within 90 days of opening and receive : {$500.00} cash bonus When you maintain a balance of {$10000.00} or more for 90 days
Consumer complaint received 2020-10-10
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. (NE)

Credit report is displaying payments of ; on time ( XX/XX/XXXX ), 30 delinquent ( XX/XX/XXXX ), 60 days delinquent ( XX/XX/XXXX ), 90 days delinquent ( XX/XX/XXXX ) and 120 days delinquent ( XX/XX/XXXX ). Then shows on time payments on XX/XX/XXXX and XX/XX/XXXX. Account was closed XX/XX/XXXX and last payment was made XX/XX/XXXX. A letter was submitted to the credit reporting agency when they " updated '' the account and added the on time payments of XX/XX/XXXX and XX/XX/XXXX. My last submitted dispute/documentation was sent to them XX/XX/XXXX but this was addressed three times in the past.
Consumer complaint received 2022-07-25
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: ERC (CO)

Hello, I checked my XXXX credit report today and noticed a collection agency listed on my report for a transaction of {$2400.00} from AT & T on XXXX XXXX for an account that I did not open. I called the collection agency Enhanced Recovery in XXXX, FL to find out who opened this acct and spoke with a XXXX XXXX. He wanted my e mail address which I gave to him, and then wanted my date of birth, and asked me if XX/XX/1956 was my birthdate, and I said no, and I did not give him my birthdate. Also he said he was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX? a service to correct bad credit, which I dont need. Is this a SCAM to make your credit look bad, so you buy services from XXXX XXXX? thanks
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Please see below from my current mortgage broker for the actual payoff amount wired to Wells Fargo on XX/XX/2019 for my refinance. I was told per the email attached (second attachment) that my $XXXX   was included in the payoff balance. That is not correct. Wells Fargo still owes me my $XXXX which was mishandled and placed into suspense without my permission. $XXXX was wired to them, not the $XXXX  which they stated was paid that “included the $XXXX placed in suspense”. Wells Fargo still has my $XXXX and I would like this refunded ASAP as I have told them on several occasions now to which their response is "this case has been opened and is being worked/reviewed".  There is a $XXXX difference in the amount wired to Wells Fargo versus the payoff estimate they are stating was provided to my current lender for the refinance. To date, I have only received $XXXX   via check from Wells Fargo, refunded from the overage on my escrow. Being that the Wells Fargo payoff estimate was including everything through a XX/XX/19 payoff date, when in fact this was funded and $XXXX XXXX wired to them on XX/XX/19. At minimum, they owe me $XXXX for the discrepancy between what was refunded to date and the overage my current mortgage holder paid to them along with my $XXXX not included in the payoff balance. (From my current lender who I refinanced to)**Hi there XXXX,It was a wire that we sent to Wells Fargo on XX/XX/19.  I have a confirmation number of XXXX for the amount of $XXXX on XX/XX/2019.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-06
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. (GA)

EQUIFAX DOESN'T HAVE MY PERMISSION NOR HAVE I EVER GAVE CONSENT FOR THEM TO FURNISH OR CREATE MY REPORT. THEY DID NOT RESPECT MY RIGHT TO PRIVACY. THEY WERE UNFAIR AND PARTICLE. THEY DID NOT DO THEIR GRAVE RESPOSIBILITY. I NEVER CONSENTED TO THEIR REPORTING IN THE FIRST PLACE. THEY ASSUMED THE ROLL OF REPORTING.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I filed a dispute through XXXX XXXX regarding a debt that has been placed on my credit report that i do not recognize and that this collection account has been placed by 2 seperate collections within 7 days of each other and shows a simular amount but does not identify who originally submitted this alleged debt for collections my first dispute i made to transunion about having no knowledge of this debt and the response to my dispute stated that the information regarding this collections is accurate and the debt belongs to me and complies with the consumer fair credit reporting and that my dispute is closed and no changes to my credit report will be made and so i submitted another dispute regarding having 2 collections on my credit report for what appears to be the same debt and the lack of information regarding who sent this debt to 2 collection agency 's also these collection agency 's call me several times a day 7 days a week they will sometimes call right back from a simular numbers and call from numbers that come up as potential spam numbers or restricted number i have taken photos of a few of the calls in my call history to show an example of the frequency in which i am being harassed by these collections
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Due to Equifax data breach I have multiple fraudulent items in my consumer report, I have asked company to send me a purchase agreement, purchase assignment and signatures from me with XXXX XXXXXXXX XXXX XXXX proving I have done business with this company. I do not owe this company money nor do I know who this company is or have never done business with this company. They have failed to proved actual proof tiring me to this debt and A BILL IS NOT PROOF. According to 15 USC code 1681c-2 ( Section 605B of the FCRA ) unverified, an inaccurate information must be promptly deleted from consumer report. This is the fifth time I am disputing the same information the fact that XXXX XXXX XXXX XXXX XXXX XXXX, nor any of the three credit reporting agencies, XXXX, Equifax, or XXXX has provided any proof further demonstrates, the information is unverified and inaccurate. I have not given permission for this to be on my consumer report so this violates section 605B, which is illegal. XXXX assist letter has been sent to this company and they still continue to send a bills. furthermore this company isnt even licensed to collect, Which is also a violation!
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED BANKSHARES, INC. (VA)

I've been making additional principal payments since XX/XX/2020 ; however, these payments are not being applied to my principal balance in a timely manner. I have to call United Bank on a monthly basis to have them apply the payments to the principal balance. If I do not call the payments will not be applied even after the regular monthly payment has been satisfied. I've been told on numerous occasions that my account has been noted to apply all additional payments to the principal balance but this is not occurring.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (FL)

Skylight netspend sent me an email blocking me out of my account I sent them what they requested they refused to unblock my account kept lieng and hanging up on me and closed my account without my knowledge keeping my whole paycheck she lied stating she would mail check and stated my money was still on a card that they shut down and blocked me out of, they kept asking me for more personal information that I refused to give so I have my job tracking the check I need help suing them they put me in a position to have my lights disconnected in my home took food from my kids by keeping my check it may not be much go others but XXXX is everything to my family in these hard times this happened XXXX XXXX
Consumer complaint received 2021-02-09
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

I submitted a dispute to the credit report agency XXXX XXXX, XXXX and XXXX. I requested an extension deferral on my car loan with XXXX in XX/XX/XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED ME!
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (VA)

On XX/XX/year> I purchased a car from XXXX XXXX. I authorized them to ran my credit report. Loan was issued by XXXX who again ran a 2nd credit check which I did not authorize nor was is it needed resulting on a 2nd hard inquiry lowering my credit score. 

Please resolve this. I have spoken with Equifax to no avail. My credit score is extremely important to me. I have never had a drop of over XXXX pts and now I'm XXXX pts below due to the double inquiry in addition to a fraudulent inquiry made wit XXXX XXXX. 
Thank you.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX sets of fraudulent transactions involving my checking account both of which were reported to the Capital One. First set are unauthorized ATM withdrawals apparently completed while my card was not in my possession, dates and amounts as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. 
{$180.00}, {$240.00}, {$260.00}, {$330.00}, {$210.00}, {$300.00}. When I discovered these, I froze my ATM card and reported to the Capital One on XX/XX/XXXX. 
Second set for XXXX debit.transactions with the description XXXX XXXX XXXX all completed on XX/XX/XXXX for the amounts of {$50.00} {$40.00} {$75.00} {$120.00}. These were reported to Capital One as soon as I became aware of them on XX/XX/XXXX. No further information was requested by Capital One regarding any of these XXXX sets of unauthorized transactions. 
I received XXXX letters dated XX/XX/XXXX stating the investigation has been completed. Account records and transaction information available to us do not support a claim of unauthorized activity. Documentation used to decline your claim was based on/or includes the following : previous history with disputed merchants, account logins corresponding with timeline, and or location of disputed transactions, account activity, transactional history, phone calls and logins. As is my right, I requested copies of the documentation used to make the decision. I received a response to this request via email which consisted of a copy of my bank statement for the month of XX/XX/XXXX with no other accompanying documents or explanations. There was however a statement attached stating " We've thoroughly addressed your inquiries and won't be responding to future communications regarding this dispute '' Going forward Capital One has refused to engage in any further discussion or provide any additional information/documentations regarding these fraudulent transactions. I requested that all of my bank accounts with Capital One be closed, but they refused to close my checking account because they wanted to be able to reverse all the provisional credits that I was given for the unauthorized ATM transactions, which has now put my account into a negative balance for which they are attempting to collect interest charges.