davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I have a dilemma and I am hoping to have this figured out. I have a bankruptcy listed on my Equifax, XXXX, and XXXX report. It states that it is an account or record for me. After looking into the matter I contacted the courts about this and they advised that not only do I have no reference to this record but that it was never be shared with the credit reporting agencies. I request the bankruptcy and any accounts associated with it be removed immediately. Reporting incorrect or inaccurate information that is not true, or even given to the credit reporting agencies from some 3rd party without my permission is a violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am a business owner and applied for a PPP Loan in XXXX with my bank ( Bank of America ). After receiving a deposit for a little over XXXX I used every penny of it on my staff 's payroll. At the time the application was submitted I had XXXX employees. After I submitted my forgiveness application I was told I did not qualify for 100 % forgiveness. They were only going to forgive approx XXXX of it. This has left me a XXXX + payable that has all been legally spent on payroll. I was told by Bank of America that they overfunded me and did not realize that I had more 1099 's than W-2 employees. I put the entire staff on as w-2 employees the minute that I received the money. I have reports stating the use of funds. I had no idea that the 1099 payroll would be a problem, but as I stated, they all went immediately to W-2 which puts money in the state and federal government 's hands with the payroll taxes that I paid and the employee 's have paid along with other employee related expenses. I have asked my banker for almost 2 months to send me the loan documents that were submitted at the time of the loan and he has not been forthcoming with these documents at all. I was happy to receive the loan considering the immense uncertainty that took place at the onset of Covid-19. I did not know if we would be in business or shutting down. When the loans came out there was a strict deadline by which the money could be used, so I gave everyone raises to the point that the money would all be used by the deadline. Halfway through the higher payrates, the deadline was extended. I did not reduce the amount of payroll. I maintained a much higher pay rate for my employees and at the time that all loan money was used, I lowered all payrates back to their original amount. I have tried to work with the SBA and my bank to plea my case, but all they seem to care about is the payroll reports for XXXX. I need someone to forgive 100 % of my PPP loan based on what the money was used for. I was overfunded and that was the SBA/Bank of America 's fault for not actually looking at they payroll reports from XXXX. Now I'm in huge mess with this outrageous/unnecessary amount of loan money to pay back that my company simply can not afford. This loan was meant to help business stay in business and pay their employees ... .that 's exactly what happened and now they want me to pay it back. I have already started making payments. This is going to cause me to lay people off and cancel any plans for growth and possibly bankrupt a business I started in my garage in XXXX XXXX
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have a dilemma and I am hoping to have this figured out. I have a bankruptcy listed on my XXXX, XXXX, and Transunion report. It states that it is an account or record for me. After looking into the matter I contacted the courts about this and they advised that not only do I have no reference to this record but that it was never be shared with the credit reporting agencies. I request the bankruptcy and any accounts associated with it be removed immediately. Reporting incorrect or inaccurate information that is not true, or even given to the credit reporting agencies from some 3rd party without my permission is a violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-09-18
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)

ON AROUND XX/XX/2022 I DISPUTED INACCURACIES AND INCONSISTANT ACCOUNTS SHOWING ON MY CREDIT FILE BY THE CREDIT REPORTING AGENCIES, I ASKED THEM TO VERIFY THE ACCURACY OF INFORMATION AND SEND PHYSICAL PROOF OF VERIFICATION PROCESS. THEY HAVE FAILED TO PROVIDE ANY SUCH PROOF AS WELL THEY'RE CONTINUING TO REPORT INACCURATE INCONSISTANT INFORMATION. 
ACCORDING TO THE FCRA THEY MUST REPORT 100 % ACCURATE INFORMATION, OR UNVERIFIED AND INACCURATE REPORTING MUST BE DELETED. DUE TO THEIR NEGLEGANCE I'VE BEEN UNABLE TO OBTAIN ANY CREDIT, EMPLOYMENT, AND HOUSING.
Consumer complaint received 2023-05-10
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harris & Harris, Ltd. (MI)

On XX/XX/year>, I received an alert that a new collection account has been added to my credit report XX/XX/XXXX, XXXX by Harris & Harris. I have never had an account with this company, nor did this company ever send me any notice of this alleged debt, Pursuant to 15 U.S.C. 1692g Validation of debts. This entry has been made without permissible purpose and without prior notification of the alleged debt.

According to the Fair Credit Reporting Act ( FCRA ), debt collectors are required to have permissible purpose to report information to credit reporting agencies. In this case, I have not been notified of the alleged debt, nor have I received any communication or validation of the debt from [ Harris & Harris ] or any other par
ty. As such, this entry is not vali nor in compliance with the FCRA.

Please investigate this matter and have Harris & Harris remove the inaccurate debt collection entry from my consumer credit rep
ort.
Consumer complaint received 2021-10-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name is XXXX XXXX. I have been communicating with Capital one bank for months to withdraw the CDs money that I opened for my XXXX children but the bank claims that they can not find the record of these CDs. I have the original bank document for all CDs and bank is agree with it. 

Initially, the capital one bank stated that the money went to the sate then I claimed to state but the state could not find it and provided me a form to be filled out by the Capital one bank so they locate the fund but the bank refuse to fill it out. I opened 3 CDs accounts for my XXXX  children for their collage fund long time ago. These are custodian account which my name and my kids name are on the CDs. If requires I will provide a copy of these three CDs. Please let me know XXXX XXXX CD- the amount is {$10000.00} XXXX XXXX CD- the amount is {$15000.00} XXXX XXXX CD- the amount is {$10000.00} Thanks, XXXX XXXX
Consumer complaint received 2021-10-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (LA)

Hello, I have been receiving numerous calls from a phone number of XXXX and XXXX everyday stating they are calling from an arbritration firm that has an acct with my info assigned to it from XXXX parish court ruling, stating that I owe Ace Cash pay day loan from 2018 for a total of {$980.00}. They were very aggressive and wanted my debit card info to settle the debt. They gave the names of XXXX XXXX and XXXX XXXX XXXX XXXX. I tried to call the first number back but it automatically hangs up. I tried to call the 2nd number and they answered stating my full name. They claim that they are calling from XXXX XXXX but I XXXX  the numbers and they come up as a landline to a residence in XXXX, La which has a different area code. They offered to email me some info regarding the judgement that they have against me but I never received anything. They reported to me an old address that I used to have, the last 4 digits of my SSN and my date of birth.
Consumer complaint received 2022-09-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was in contact with a landlord for an apartment in XXXX because I was moving to the area. After signing a lease, they requested that I pay a security deposit of {$1000.00}. I paid this amount through XXXX to the " landlord '' on XX/XX/2022. The landlord insisted I pay an additional {$1200.00} for the first month 's rent. I refused to pay until the landlord provided further identification. They ghosted me and stopped responding to my messages. I later realized that the property listed was already occupied by a tenant and owned by another individual. I called my bank and filed a claim with them on XX/XX/XXXX. After following up on XX/XX/XXXX, they said there was no action they could take to return the funds to my account. They suggested I call XXXX. I called XXXX on XX/XX/XXXX. They too stated that they could not take action because their policy does not offer protection.
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (NJ)

Simons Agency was provided with the dates that I had coverage for my son which started XX/XX/2017. They were informed numerous times to resubmit claims to NJ XXXX as the services should have been covered. The hospital did not bill to the correct insurance company. Also, the debt belongs to my son and not me. I have sent all the information to Simons Agency hoping they will quickly remove the incorrect information from my credit reports.
Consumer complaint received 2022-01-19
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. (FL)

I XXXX the consumer, Continue to Be damaged by the injurious nature of XXXX XXXX US DEPARTMENT OF EDUCATION. This is in response to XXXX documentation and response thereof. XXXX XXXX has Documented evidence of my account in a forbearance status with no interest incurring. XXXX has also denied my claim which is being rejected. As I am a victim of identity theft due to the fact of XXXX XXXX AND ON BEHALF OF US DEPARTMENT OF EDUCATION ( technical third party with no standing ) TO BUY and securitized my information to EXPERIAN,. This is not authorized.. this is a data breach. It has been stated by XXXX That they must Furnish my account data proving they had no real reason only that must, XXXX claim is not valid only a violation as to having no absolute grounds to furnish and did so WITHOUT MY CONSENT. if a reason was so it would have been listed, WE MUST does not mean we are able to ignore the consumer and make decisions without them. WITHOUT THEIR CONSENT which is in fact identity theft. XXXX XXXX also claims they are lender but not have provided any 1099 A or C copies for my tax purposes, nor 1099 XXXX or any forms that are supposed to be filed with the IRS that have not been and have also been acknowledged on form XXXX. At this time it is being requested : The original transaction with US DEPARTMENT OF EDUCATION to clear up my name and to prove the theft of my Identity. As XXXX is REQUIRED TO PROVIDE THE ORIGINAL TRANSACTION DOCUMENTS pursuant to FCRA sec 609E. And attached. I XXXX the consumer know I am the lender and with the credit, XXXX has still not answered HOW YOU WERE ABLE TO OBTAIN MY INFORMATION. According to XXXX the consumer, you had no PERMISSIBLE PERMISSIBLE OR WRITTEN. CONSENT TO FURNISH A REPORT. In addition to the accuracy of the report pursuant to 15 USC 1681 AE you have not asked the consumer XXXX if the information is actually true. Instead violated my privacy rights, unalienable rights, and federal rights protected as a consumer.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Pacific Credit Exchange Corporation (CA)

On XX/XX/2021 I spoke to a representative from pacific credit exchange in regards of the account still appearing under collections. I informed her that the amount of {$2700.00} was paid in full and I needed this to be removed from my credit report because it wasnt allowing me to refinance the loan to my home. The employee stated that it appeared as closed on her end and that there was nothing she could do to help me remove this account from my credit report.
Consumer complaint received 2022-01-19
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-09-15
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc. (PA)

During COVID i had taken a break from studies to travel as I was affected by it. I set up auto payments to my XXXX XXXX account to pay for my loans as I would be responsible for them while I was out of the country. Upon returning I was met with delinquent charges on my credit account from a new lender, Firstmark who had bought XXXX XXXX student loans. In all my credit accounts I maintain a strong history of paying on time and I feel these delinquent charges are in error and is not my fault. When Firstmark took control of my account all auto payments went void, and within the first month of nonpayment my account went into delinquency. I received no correspondence while away. When I came back home I was able to get in contact with Firstmark after discovering delinquency on my credit report. I had to update the phone number, email, and mailing address they had on file. When I called a second time they said its been on file the correct way the entire time, which was a lie. I wanted to pay a large sum of money down and go into forbearance as I pay the remaining loan off but the terms of forbearance void any credit retraction plea on their end.
Consumer complaint received 2021-09-15
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. (MD)

All of the consumer reporting agencies are reporting inaccurate and unverifiable information from XXXX on my consumer report. Per attached correspondence from XXXX , XXXX XXXX dated XX/XX/2021, XXXX XXXX XXXX ( Regulatory Compliant Specialist at XXXX , XXXX XXXX ), in fact, states " A copy of your application is not available. '' and as such, XXXX is unable to produce a consumer credit transaction contract with my wet signature on it in connection to the alleged debt. Because a consumer credit transaction contract with my wet signature on it can not be produced, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''
Consumer complaint received 2022-01-19
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. (MI)

Hello, My name is XXXX XXXX. On XX/XX/2021 I sent out letters to transunion, XXXX XXXX XXXX to inform them of incorrect information on my credit report and asked them to validate the debt. They have yet to respond and the information has yet to be removed. the accounts in question are as follows : 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 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

Community Bank, I have close account and paid fees for month of XXXX, sent check they don't pay to accouny till after due date and charging more late fees, it going since XXXX, They holding payment after due date, hurting my credit, I have tried to deal them, they always a excuse that I don't pay in time
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I purchased my property in XXXX of XXXX i currently have XXXX on my mortgage of {$340.00} and my property value has increased significantly. My current mortgage company ( PHH Mortgage ), in addition to other mortgage companies constantly send me letters stating that i have equity on my house to borrow from or to refi. 
Based on the increase in value, i wanted to refi and remove the XXXX. But the interest rate currently is higher than my interest rate of 3 %. I was told by a banker at the time of purchase that if my property value reached 80 %, i could request removal of XXXX 
I reached out to my mortgage company to request removal. They let me now that they would need either 1 ) Appraisal OR 2 ) improvements to the property. I went for option 1. They asked me to fill out a form and send {$320.00} for appraisal. I filled out the documents and sent it in with a cheque. Within a few days, my cheque was cashed but i did not hear back. When i called back, they told me that i now needed to provide proof of significant improvements to the house. I told them that they need to escalate this as i was never told this and it should not be the case. Today i received a letter from them stating that they declined my request unless i provide proof of improvement. 
I was never told that i needed to both. Nor do i think in my opinion that both are required. Because the mortgage company is not benefiting from me removing XXXX they are giving me a hard time and holding that against me. They are unfairly denying me my right to remove XXXX based on property value. On my account dashboard, they are estimating my house value to have gone up by approx $ XXXX. and as i mentioned, another department keeps contacting me to refinance or borrow from equity. 
I am attaching a copy of my XXXX XXXX  where they posted estimate value and well as zillows estimate value.
Consumer complaint received 2021-09-15
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. (MD)

All of the consumer reporting agencies are reporting inaccurate and unverifiable information from XXXX on my consumer report. Per attached correspondence from XXXX XXXX XXXX . dated XX/XX/2021, XXXX XXXX XXXX ( Regulatory Compliant Specialist at XXXX XXXX XXXX . ), in fact, states " A copy of your application is not available. '' and as such, XXXX is unable to produce a consumer credit transaction contract with my wet signature on it in connection to the alleged debt. Because a consumer credit transaction contract with my wet signature on it can not be produced, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (VA)

I received a phone call from National Credit Systems , Inc. on XX/XX/2022. However, when I asked for the representative to verify the debt, they had hung up on me. The phone call lasted for 1-minute. See attachment.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.